Ensuring your financial security for the future requires a customized approach honed and refined over the long-term. As experienced financial advisors, we know that effective financial planning is not a sprint, it’s a marathon. The Marathon Group places you first, pledging to be your partner throughout your lifetime. Our mission is to educate our clients, providing value and financial literacy to each individual, family and business we serve. We find ways to help you realize financial gains while mitigating risks to your hard-earned principal. Then we go a step further, implementing strategies that can allow you to pass on tax-advantaged wealth as your legacy to future generations.
Browse through some of the services below which we provide for businesses, individuals, families, and members of the military. Each of our clients is completely different, and we customize each plan we implement based on your unique life goals, family make-up, and financial objectives. Our list of services is ever-expanding as we find new strategies throughout the years to help you achieve your personal definition of financial success in life.
A key man policy is a type of life insurance policy that protects a company from the loss of a key employee—such as a CEO, top executive, or salesperson—who is critical to the success and profitability of the company. Owned and paid for by the business, the company is both the beneficiary and the policyholder. The key man policy provides a death benefit to the company if the key employee dies, which can help the company to manage the financial impact of losing a critical employee.
A buy-sell agreement is a legal arrangement for a business that establishes the terms and conditions for the orderly transfer of ownership in the event that one of the company’s owners, partners or co-owners dies, becomes disabled, retires, or decides to sell their interest in the business. Often life insurance is used to facilitate the transfer of business assets. Buy-sell agreements can be structured in several ways, depending on the needs and goals of the parties involved.
Too many people end up with much less money than they thought saved up for retirement due to income taxes which will be due on tax-deferred assets like traditional 401(k) or TSP accounts. Tax-free retirement structuring refers to the process of setting up retirement accounts and investments in a way that minimizes taxes on withdrawals during retirement. We focus on helping retirees maximize reliable retirement income while minimizing their tax burden.
As part of our estate planning services, we help strategize estate plans that can avoid probate and pass on tax-advantaged wealth to heirs with minimal delay. We often recommend the creation of documents by an estate attorney that outline how your property, assets, and liabilities will be transferred to heirs or beneficiaries after death. Wills, trusts, and powers of attorney help ensure that a person’s financial wishes are carried out in accordance with their intentions.
As part of our advanced planning services, we may recommend a trust. A trust is a legal entity which can be set up by an attorney as part of an estate plan and may help you reduce estate taxes, avoid probate, and provide for the ongoing management of assets for the benefit of beneficiaries. There are several types of trusts that can be used in estate planning, including revocable living trusts, irrevocable trusts, and testamentary trusts, and each type has its own unique features and advantages.
When you are first setting up a company or business entity, you may not understand all the ramifications that come along with the way you decide to structure it. But the legal structure of a business entity—i.e., partnership, corporation, sole proprietorship, etc.—is very important, because it will affect the way the business is taxed, how profits and losses are distributed, and the level of legal protection that the owners have. Did you know you can change your business structure? Let’s talk.
Investment strategies vary widely based on an individual’s financial goals, risk tolerance, age, and timeline to retirement. We can help you determine the most appropriate investment strategies for your specific situation. Our focus is on protecting your principal while finding strategies that offer the potential for growth through participation in stock market indexes based on contractual guarantees backed by the financial strength of insurance companies.
We provide this service because succession planning is important for businesses of all sizes and types, as it helps to ensure the continued viability and success of a business over the long term. A succession plan spells out the transfer of leadership and ownership of a business to the next generation of owners or managers, helping ensure that businesses continue to run smoothly and without interruption after important people move on to new opportunities, retire, or pass away.
The goal of family legacy planning is to create a lasting legacy that reflects your values and vision, while providing financial security for future generations. It’s a comprehensive process that involves both financial and non-financial considerations, and is best done in consultation with both a financial advisor and an estate planning attorney. It starts by identifying goals and wishes, and it includes plans for tax-advantaged distribution of assets. Trusts and other strategies may be advised.
Each person on our team shares a common vision to help clients thrive now and for future generations, keeping our clients’ best interests at the forefront of everything we do. Each of us is devoted to financial education, and we host podcasts designed to teach others about financial principles. We are dedicated to the lifelong success of our clients; we are their partner for the long-term. Financial success isn’t a sprint, it’s a marathon.
1055 Sperry Ave
Patterson, CA
Built in 2003
CA license #2906000
(210) 454-1801
info@themarathongroup.net
Contact us now; we want to hear from you. Send us a message to get your questions answered and get started on your secure financial future. We provide in-person or online complimentary consultations to discuss your goals.
Financial literacy and financial education are a huge part of our mission here at The Marathon Group. As part of our educational community outreach, we offer podcasts, videos, and our blog to help you learn more about retirement and financial principles that can help you achieve greater financial success in life.
