What many people don’t expect when they work with me — I am human too. We’ve all made our fair share of mistakes in this world; many of these mistakes helped us become the competent advisor I am today. Without these lessons, I would be left referencing textbook material and subjective news commentary, and that’s no way to run a business.
My hope for every one of my clients is that after each meeting, you will feel more confident and rest assured that your money is here to be an engine of opportunity.
At Marmer Financial Services, I've created a culture and atmosphere that eliminates any potential negative feelings you have about money by showing you that there’s really nothing to be afraid of. I strive to develop a relationship of trust with my clients to build a long lasting relationship that goes beyond numbers and financial statements.
We not only manage your investments and insurance but your emotions during volatile times.
We STRIVE on building personal relationships to educate and guide you.
No one is perfect, and we don’t expect you to be either. We strive to create an open, nonjudgmental space where you can share your concerns and worries without feeling embarrassed or less than you’re worth. Every one of us understands that managing your money is a huge responsibility, and we value having the opportunity to take some of the responsibility off your shoulders.
While our efforts will be focused on helping you achieve your objectives, our ultimate goal is for you to surpass them. After all, you’re investing time, money and energy into working with us, and we want to make sure you’re getting maximum value out of our relationship. Throughout our time together, we’ll be constantly looking for new ways to get you closer to where you want to be.
As an independent fee-based financial advisor, I always put the needs of my clients first. Without commission incentives and conflicts of interests in the picture, we’re able to deliver recommendations that solely serve your best interests. There’s a lot of technical jargon in this industry, and we want to make sure the solutions we create are easy-to-understand so you can apply our insights throughout your day-to-day life.
We are firm believers that anything is possible, and whatever challenges that come up along the way simply exist to guide us in the right direction. When it comes to financial planning, you can only be so proactive. However, by putting strategic measures into place, you’re able to overcome any issues and obstacles with ease and confidence. Explore the different scenarios you might find yourself in — and the solutions we would recommend.
Situation | Solution |
| You need some hands-on guidance on which investment strategies are right for you. | Investment Management Accomplish your short- and long-term objectives with an investment portfolio tailored according to your unique risk profile. LEARN MORE |
| You’re in the middle of your career, just started a family and have assets all over the place that need some organization. | Retirement Planning Social Security, pension, stocks and more. We’ll identify all potential sources of income so you can look forward to your life past. LEARN MORE |
| You’ve recently started your own business and want to make sure you’re staying ahead of any future tax liabilities. | Tax Planning Feel confident once filing season comes around with a strategic tax planning approach that keeps your numbers in order so no detail falls through the cracks. LEARN MORE |
| You've recently had a significant life event: a marriage; a baby; a divorce; or a health scare. | Insurance Planning Significant life events can make us reconsider our needs for insurance. When these events happen, we will work together to review your goals and needs to identify potential solutions moving forward. LEARN MORE |
My knowledge and insight into the stock market and my process of understanding your risk tolerance and what keeps you up at night enables me to craft an investment portfolio uniquely tailored to you. Through ongoing collaboration and monitoring, our team is able to discover new avenues for you to invest your wealth and accomplish your goals. In addition to managing your investments, we’ll educate you on the rationale behind each investment decision so you’re well-versed in the logic of our approach.
Identify Your Short- and Long-Term Objectives
As these objectives change, we’ll strategically adjust our approach according to the current state of the market so you continue to generate returns.
Determine Your Optimal Risk Tolerance
Through a series of questions, we’ll pinpoint the exact amount of risk needed for you to achieve your goals and remain confident in our services.
Follow a Timeline That’s Right For You
After outlining your objectives, we’ll design a strategy that aligns with your optimal timeline for achieving your returns.
Whether you’re five years away from retirement or 20 years away from retirement, we’ll help guide you through the steps necessary to secure enough assets for your optimal retirement lifestyle. After evaluating your current financial situation, we’ll identify the income sources and opportunities that are most advantageous for you as you prepare for your life past employment.
Reviewing
Your investment strategy and ensuring you’re investing your wealth in the stocks that best align with your objectives.
Optimizing
Your spending habits so you continuously make decisions that benefit your broader financial picture.
Identifying
Potential income streams and ways you can continue to contribute to your nest egg while still securing the basic necessities.
You don’t have a choice about paying taxes, but you can avoid making the mistake of overpaying them. While it’s hard to imagine anyone intentionally paying too much in taxes, the IRS estimates that more than one billion dollars is overpaid in taxes each year. That’s no surprise when tax laws change every year—even in years when no major tax legislation is enacted.
How much of that money is yours? Wouldn’t you rather see those funds in your bank account or put aside for your retirement or other financial goals?
We specialize in personal income tax preparation and planning and will identify the tax-saving approaches that apply to your situation. We work with you throughout the year, not just when it’s time to prepare your return.
You might be able to save on taxes by:
If you’re like most people, your taxes represent one of your largest annual expenses, yet often little or no planning is done to minimize your tax bill. Careful tax preparation and planning can free up money that you can use to achieve your goals. As personal income tax specialists, we will help you aggressively pursue every deduction you are lawfully entitled to.
Would you worry less if you had more money to save toward your goals? Discover how much more money you could be keeping for yourself and your future. Contact us today for a no-cost review of your prior three years’ tax returns.
Would you worry less if you had more money to save toward your goals? Discover how much more money you could be keeping for yourself and your future. Contact us today for a no-cost review of your prior three years’ tax returns.
While every conversation is different, you should expect to cover some general information and get a sense of what it’s like to collaborate with us.
To help prepare for this meeting, you should have a basic idea of your current financial picture and financial goals. How are things now? Do you have any concerns? What do you hope to accomplish in the next few years and longer term?
