Services
Our services
How Can We Help You
Pax Financial partners with Mariner Advisor Network, which gives our team access to experienced tax, trust, estate planning, investments, retirement planning and insurance professionals. We will include these teammates, as needed, to provide you and your family with a comprehensive wealth plan. Mariner Advisor Network also provides us with our technology needs, compliance, and operational support, which allows us up to spend less time on day-to-day operations and more time working with valued clients like you to help you reach your goals and aspirations.
We will talk with you to understand your personal situation, your investment goals, your tolerance for risk, and the time frame until retirement as well as any other important milestones. We will then take a proactive approach to diversify your portfolio across asset classes, which may include: cash, fixed income, and equities, whichever are appropriate for your portfolio. Periodically, we will review your portfolio, making adjustments as needed to align with your risk tolerance and overall objectives.
- Diversification among multiple asset classes
- Consideration of different styles and strategies within asset classes
- Implementation of active and passive strategies
- Tactical asset allocation adjustments
We will partner with you to develop a customized financial plan that meets your current needs and provides a road map to your long-term goals. Whether it is planning for retirement, saving for a child’s education, or making charitable contributions, we will work to understand you and your goals, then build a plan to help you achieve them.
- Deep assessment of your current situation
- Goal setting for achieving goals
- Tax strategy integrated into your financial plan
- Modifications to your financial plan, as goals change
Tax Planning
Including an effective tax strategy as part of your overall wealth and estate plan may help you maximize your savings and reach your financial goals. Your advisor will work with an experienced, in-house tax team that understands the latest regulatory issues and tax law changes to create tax efficient strategies for you designed to minimize your tax burden.
- Proactive, creative tax analysis and year-round planning
- Implementation of multi-state tax strategies including residency and domicile
- Representation and support for IRS and state tax audits
- Bookkeeping and family office services
Retirement Planning
Helping employees plan for retirement is vital for businesses and can be a strong retention tool. We have access to an CEFEX-certified team* that can help us by creating, managing, and expanding your employer-sponsored plan that meets the needs of your employees. Services that we offer include:
- Plan design
- Investment selection
- Asset allocation
- ERISA compliance & fiduciary services
- IPS preparation & maintenance
- Benchmarking & analysis
Risk Management and Insurance Analysis
Having income protection strategies in place can help you protect your family now and in the future. To build a sound financial plan, it’s a good idea to include insurance solutions such as life and property and casualty insurance. Our experienced insurance team and your advisor can help you evaluate solutions and recommend options to fit your family’s needs.
- Asset and income protection strategies
- Analysis of major insurance companies and product recommendations
- Life insurance audits and Long-term care expense mitigation
- Estate tax elimination strategies
Trust Services
As you think about providing for your family for generations to come, you may want to consider establishing a trust. Your advisor will work with you on strategies to help minimize taxes and maximize your potential wealth transfer and charitable contributions. Our goal is to help ensure your wishes are carried out.
- Review and advice on trust documents
- Charitable planning and gifting strategies
- Generation-skipping wealth transfer strategies
- Self-settled trusts for asset protection and efficient distribution
Business Consulting, Cash Management and Business Valuations
Many business owners do not know how much their companies are worth, making it difficult to establish a clear financial plan. This team provides clients with a better understanding of the value and risks associated with their business. Listed below are some of the services provided with respect to business valuation:
- M&A Transactions
- Financing
- Buy-Sell Agreements
- Gift & Estate Tax
- Charitable Donations
- Stock Options/409A
- Discount Studies
- ESOPs
- Derivatives
- Shareholder Disputes
- Marital Dissolution
- Purchase Price Allocation
- Goodwill Impairment
- Intellectual Property
- Portfolio Valuations
*Mariner Wealth Advisors is affiliated with Mariner Advisor Network and Mariner Platform Solutions and is certified by The Center for Fiduciary Excellence (CEFEX) as meeting the standards described in the handbook “Prudent Practices for Investment Advisors.” The standard describes how an investment adviser assumes the responsibility for managing a client’s overall investment management process, which includes the selection, monitoring, and de-selection of investment managers, as well as developing processes to implement investment strategies and fiduciary practices on an ongoing basis. These practices also include maintaining a fiduciary checklist for each client to ensure proper fiduciary governance and compliance with ERISA and implementing best practices as described by the Department of Labor.
Investment advisory services are offered through Mariner Platform Solutions; other services may be provided by affiliates and may be subject to additional fees. Some advisors are licensed insurance agents and are compensated for the sale of insurance-related products through an affiliated insurance agency.
Diversification and asset allocation are investment strategies designed to help manage risk, but they cannot ensure a profit or protect against loss in a declining market. Investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or planning strategy will be successful.