On The Mark Money
Investment Management, Tax Distribution & Retirement Planning
Financial Strategy to grow and protect your legacy.
"We often times uncover opportunity for clients to save tens of thousands of dollars on investment management fees as well as
several hundred thousand dollars on tax liability from qualified plan distribution."
Take 15 minutes today for a Discovery Call to see how we might serve you.
How You May Benefit:
On The Mark Money is an Independent Fee-Only Registered Investment Adviser (RIA) and Fiduciary specializing in Investment Management, Tax Distribution Strategy and Retirement Planning.
Mark Stoecker is CEO & President of On The Mark Money. Mark has been serving clients for more than 25 years.
Clients value the personalized connection to their lifestyle financial needs and Mark is highly recommended among peers, clients and their colleagues.
On The Mark Money is an unaffiliated Independent Investment Advisor firm working with TD Ameritrade Institutional, Fidelity Investments, Charles Schwab Institutional, as well as other Co-Advisor firms and Registered Investment Advisory companies.
Mark has successfully completed the FINRA sponsored Series 7, 6, 63, 65 examinations, as well as holds a General Agency Life and Health Insurance license.
Our Typical Clients:
We have been very blessed to benefit from the relationships built with our clients over the many years.
Each client is uniquely different but they do share some similar traits that fit very well with our investment planning philosophy.
There are a few common traits that stand out and maybe this would help you determine if we would be a good fit together.
We specialize by providing Independent Investment Management, Tax Distribution Strategy & Retirement Planning to executives, professionals, business owners and entrepreneurs.
Most of our clients are generally within 10 years of retirement or are retired.
Most clients are fairly conservative to moderate in their appetite for risk. They value safety as well as growth and appreciate the thoughtful navigation of a customized investment plan and tax strategy. They tend to put less emphasis on maximum possible returns and take a more balanced approach.
Our clients are patient and long term investors. They have long term views, are committed to customized plan management and understand the benefits of what this can reap for the rest of their lives.
Most clients are successful professionals and business owners who are very family oriented, community involved people who value the meaning of life beyond the accumulation of wealth and appreciate protecting their ideal lifestyle goals.
As a Fee-Only Registered Investment Advisor (RIA), We proudly serve as a Fiduciary to our clients. The word Fiduciary is indeed key, as we put our clients interests far before our own in all our processes and recommendations.
How We Work Together:
Each client receives a custom financial and investment management plan geared toward their unique financial goals and objectives.
Plans are customized around life events such as retirement, wealth transfer, business succession planning, tax distribution strategy and retirement income planning.
Each client has our team of unique experts (CFA's, CFP's & Tax Accountants) working for them on the very best in investment management, tax strategy and risk management.
We meet with clients one on one, and over the years, as time constraints and distance become and issue with schedules, as is often the case, whether it's across the city or across the country, we realize that clients prefer flexibility and we also use technology - web conferencing & phone to help us work together.
We prefer face to face meetings, but also recognize phone and web appointments, can be highly productive and always welcome, especially when we have a clear objective.
Exceptional Value Serves You Best:
Over the years, We've learned that we're most successful when we offer our clients exactly what they're looking for, a relationship.
We learn about each other. It's a working relationship and we value the fact that we are a steward to other peoples money.
We will be discussing all things financial.
As things change over time, whether it's planning retirement, planning efficient tax distribution, thinking about an expansion to your business or practice, succession planning or the ultimate sale of the business, we take those times to map out a strategy.
We map out the most tax efficient growth strategies that coordinate with our active tactical management - using Results In Advance Planning mapping the way.
We implement Active Tactical Asset Management Formulas on all accounts with active monitoring.
This is done through the use of a proprietary asset allocation algorithm that takes into account a client's risk profile, investment objectives and tax qualifications of their investments.
The result is a portfolio that allows investors to confidently enjoy life knowing their investments are always being monitored to provide a perfect balance of return, risk management and tax management.
When we manage client accounts, we use independent institutional level adviser firms and custodians like TD Ameritrade, Fidelity and Schwab.
This insures all transparency all the time to the client. we never take custody of a clients assets. (ever)
For the Active Tactical Asset Management, We strive to keep costs extremely low and as a result, our demand is very high.
Our investment management fee is extremely competitive and even comparable to some passive investments.
Often times, we're saving our clients tens of thousands per year compared to our competition.
Investment management accounts have an Annual Investment Management fee based on total assets under management, billed monthly through the custodian, very transparent.
There is a tiered fee schedule based on asset size.
Think about it...
For example... Let's say you're newly retiring from the healthcare profession and you rollover your $500,000 401(k) to an IRA Rollover …
...and you use one of the other guys…
... i.e. Edward Jones or some broker type advisor. The Edward Jones broker places your rollover IRA in a bucket of traditional (high cost) mutual funds or variable annuities.
I say high cost because you really can't see all the internal fees.
If you look, the funds may carry redundant stock positions. There may be a star rating but you have to look deeper to truly see the internal results. (This is why we review the independent Morningstar stats on all holdings).
Often times there's no real direction or monitoring of the funds...
...and the broker makes a big commission.
This may work for the broker, does it work for you?
How big a broker commission?
...Here's the quick math on that $500,000 example... Your Broker may be seeing...
up to 5% or up to $25,000 commission...and not just one time....
but every time the broker moves those buckets of funds around, the company would be benefiting.
Who does this serve again?
What difference did this broker / advisor bring to the table?
What if you use an Investment Advisor?
... i.e. Ameriprise, Fidelity, Merrill Lynch, Morgan Stanley, UBS, LPL Financial, Schwab, JP Morgan Chase, Wells Fargo
and the like…Someone Maybe Not So Independent?
You'll probably see placement in the same funds or similar funds and variable annuities, with fees in the range of up to 2.00% before internal expenses or other fees!
Buy and hold funds?
Exchange Traded Funds? (ETF's)
Outdated approaches, with no monitoring?
Things have changed over the last ten years.
* What if there was a better way?
* One where your path was known in advance…
* One more tax efficient…
* One more fee efficient...at a fraction of the above…
* One with immediate $$$$ savings to you…
* Where the value offered was clear…
* A path that targets all your financial goals…
That is available to you today.
Find Out the (7) Answers Listed Above
Are you ready for some better financial advice?
Good financial planning takes time to navigate and it's a process. We feel the adviser and client work best together as a team. It's well worth your time.
For new clients, We have a Two Step Process Planning Process.
Step One is a Strategy Session.
We set a one hour One on One - In Person Meeting.
It's a big picture discovery session to review all financial documents and topics.
We review your Confidential Personal & Financial Profile, a thorough interview to clarify your goals and needs.
At this meeting, we determine what value we might provide moving forward. We discuss next steps, our services breakdown and if we agree to work together, we move forward.
Step Two is Financial Planning & Investment Analysis.
Again, well worth the time to complete.
This is what we call Results in Advance Planning.
This is where you'll find answers to make and save you money.
We break things down, We review the facts with no pre-judgement.
We uncover the fine detail... maybe the detail you've never been shown before.
We review 33 key areas on every plan...
Through this process we almost always find 2 or 3 areas of concern that need immediate attention.
We often times, uncover opportunity for clients to save tens of thousands of dollars on investment management fees as well as several hundred thousand dollars on tax liability from qualified plan distributions.
Of the 33 key areas, any one of these left unresolved could be troublesome, some may leave you seriously exposed.
A couple of these key areas together, left untouched, could destroy $100,000 or more each.
It just makes sense to be prudent to take an extra step and protect what you have already worked years to build so you know with confidence, you've protected yourself, especially the freedom and lifestyle you expect throughout your life.
Could We Work Together?
We have great resources to provide a personal meeting locally or web-based virtual meeting as a starter to better get to know you.
To start, If you would like to have a conversation about our services to see if there's a fit, we would be happy to invest in a brief 15 minute Discovery Call to get to know you better. Just click on the link below to set a convenient time.
Thanks for learning more about who I serve and how we work together.