Our Services

A lock system works because each gate opens and closes in the right sequence–one move sets up the next. Financial planning works the same way. A tax decision affects your estate strategy. A liquidity event reshapes your retirement timeline. We take an integrated approach, making sure each move is sequenced with the full picture in mind:

• Deep data gathering
• Triage risk areas first
• Set goals collaboratively
• Execute priorities strategically
• Monitor and adjust

Your financial plan isn’t a document that sits on a shelf. It’s a living system we manage alongside you.

Adjusting one gate affects the whole canal. Same with taxes. We work year-round with an in-house tax team so every move is considered within the context of your full wealth ecosystem.

• Multi-state planning and domicile strategies
• Gift, estate and charitable planning
• Proactive tax strategy, not reactive cleanup

Taxes are inevitable. Overpaying shouldn’t be – that’s what year-round tax planning is for.

For businesses, a well-run corporate retirement plan retains talent and deepens relationships. We offer access to a CEFEX-certified team* to handle:

• Plan design and investment selection
• Asset allocation and benchmarking
• Fiduciary services and ERISA compliance
• Employee education and financial wellness

*Mariner 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.

Protecting what you‘ve built requires planning for what you can‘t predict. We take a proactive approach to protecting your income and assets.

• Income and asset protection strategies
• Life insurance audits and long-term care planning
• Estate tax mitigation through smart structuring

We don’t lead with policies. We analyze and recommend what fits.

Wealth transfer isn’t a transaction – it’s navigation. We help guide the ship.

• Trust review and setup
• Generational transfer and asset protection strategies
• Charitable giving aligned with your legacy
• Experienced, professional trust management

It’s not about passing money. It’s about passing intention.

Buying or selling a business? We bring experienced guides to the table to help:

• Define strategic and financial objectives
• Navigate the full transaction lifecycle
• Minimize friction, maximize outcomes

Because guesswork can be expensive in M&A.

Many business owners think they know their value, but many are wrong. A business valuation informs planning, strategy and dealmaking.

• Transactions (financial planning, mergers & acquisitions, buy-sell agreements, financing and ESOPs)
• Tax reporting (gift and estate tax, charitable contributions, IRC section 409A and discount studies)
• Financial reporting (purchase price allocations and goodwill impairment)
• Litigation (marital dissolution and shareholder disputes)