Individuals and families

Retirement is often considered the golden age of our lives, but without careful planning, it can be a period of financial hardship. To reduce the stress of uncertainty in retirement, we recommend that all individuals adopt a financial plan to better understand their personal situation, and establish a saving and investment plan to help guide them towards a comfortable and secure future.  

Discovery: We begin our comprehensive planning process by discussing your long-term needs, objectives and aspirations. Long-term goals might include retiring early, purchasing a new home, and achieving financial independence. These goals become the bedrock upon which your portfolio will be built, and we work with you to define them clearly and concisely.

Will your current portfolio help you reach your goals?

Portfolio Analysis:  Engineering a portfolio to meet your expectations and fits your risk preference is a delicate balancing act, yet it is one of the most critical steps to creating a successful financial plan.  Risk is a complicated topic, from both a mathematical and psychological perspective. To accurately define your unique risk preference, we utilize specialized technology to quantitatively pinpoint your risk.

Strategize & Implementation:  With this insight, we explain the tradeoffs between risk and return as it relates to your plan’s return requirements. We work together to establish your asset allocation, and build a portfolio that gets your financial plan into the confidence zone.   

Monitor, Review and Realign:  As markets change, we will monitor and rebalance your portfolio along the established risk and asset allocation policy.  Your financial plan can be monitored through our Client Planning Portal.  Your ‘Probability of Success Meter’ will help you know if your current plan is still on track. 

Collaborative Approach: We take a team-based approach at Mariaca Wealth Management, LLC. We work with you and your other advisors to ensure comprehensive planning, seamless implementation, continuous management, and excellent service for all aspects of your financial plan.  If you are not currently working with a legal or accounting professional you require, we will happily refer you to a professional we have had success working with.

Technology Partners:  We are very proud of the key technology partners that enhance the services we offer you. Here are some of our integration partners:

  • Riskalyze™ for risk tolerance assessment 
  • Black Diamond for performance reporting
  • Money Guide Pro for financial planning
  • eMoney for our client dashboard and vault
  • iRebal for rebalancing
  • Social Security Timing for Social Security optimization
  • Morningstar for security and market analysis
  • Fi360 for security due diligence and fiduciary best practices