How May I Help You?
You lead at work. You lead at home.
At In The Money Retirement Planning, we specialize in helping pre-retirees and small business owners bring clarity, confidence, and control to their financial lives — so you can focus on what truly matters.
You’ve spent years building — your career, your business, your wealth. Now, the question becomes: How do you protect it, grow it, and make it last? Between managing cash flow, preparing for retirement, and navigating complex tax and investment decisions, it’s easy to feel like you’re carrying the weight alone.
That’s where I come in — to help you design a plan that brings structure to your success and peace of mind to your future. A plan built to protect what you’ve built, simplify your decisions, and align your money with your life’s next chapter.
Financial Planning That Reflects You
You’ve built something that goes beyond a paycheck — a business, a career, a legacy. You’ve worked hard to create freedom, but with success comes complexity: taxes, retirement timelines, cash flow, and the question of what’s next.
That’s why I design custom financial strategies for pre-retirees and business owners — not cookie-cutter plans. Whether you’re preparing to exit your business, optimizing income and benefits, planning your retirement income, or aligning your investments with your next chapter, I help you move from managing it all to mastering it with confidence and purpose.
What You Can Expect
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A judgment-free space where your goals, values, and vision for the next chapter drive every decision.
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Smart, personalized strategies built for the realities of business ownership, approaching retirement, and managing life’s moving parts — from taxes and income planning to investment and exit strategies.
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A long-term partnership with a guide who looks beyond your balance sheet — I see the years you’ve spent building something meaningful, and I’m here to help you protect it, grow it, and design the legacy you want to leave behind.
Comprehensive, Connected Advice
I integrate financial planning, investment management, and tax strategy — all under one roof. You’ll receive both forward-looking tax guidance to ensure your plan is proactive, precise, and built for the real world.
Founded by Marc Lowe, CFP®, In The Money Retirement Planning was created with one mission: to use financial planning as a tool for empowerment — helping pre-retirees and business owners make confident decisions about the wealth they’ve worked hard to build.
Here to inspire you to make a bigger impact in your life financially.
3 Simple Steps to Sharpen Your Strategy
Take control of your Wealth with confidence.
1. Get Your Financial Health Checkup
2. Set Your Financial Goals
3. Make Your Financial Game Plan
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Provide Basic Financial Data and work with me to uncover behavioral factors in your finances.
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Set goals for financial security, family harmony, career advancement, asset protection, early retirement, or all of the above.
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Make your game plan with your current financial status with assets, liabilities, cash flow, insurance coverage, and tax strategies.
What happens if you don’t have a solid Financial plan?
👉Feel anxious about your retirement finances.
👉Face uncertainties during economic downturns.
👉Overpay in unnecessary taxes.
👉Leave your future to luck instead of planning.
👉Experience regret over missed opportunities.
👉Risk losing wealth during a business sale.
👉Make costly mistakes that cannot be undone.
👉Struggle to replace your work income.
Services
Strategies to Lower Taxes
Investment Management
Cashflow Management
Charitable Giving
Estate Planning
Retirement Planning
Here to Help You Navigate This Journey
With my expertise, you’ll feel empowered to make informed decisions.
10+ Years of Expertise
Required to Act in Client's best interest.
Certified Financial Planner
The gold-standard certification in financial planning.
The Financial Journey feels less stressful with a trusted guide watching over your shoulder.
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Fee-Only & Fiduciary If you have spoken to a financial advisor before there is a strong chance that you have spoken with a Stockbroker and/or insurance representative who receives a hefty commission check for a product they are selling. The fees of commission-based agents and brokers are tied to specific products and transactions. This model misses completely much of what clients need. Although even commission-based agents can serve their clients in unique ways, product commissions seem a backhanded way to acquire comprehensive wealth management.
Fiduciary
No Commissions. No Surrender Fees. Unlike much of the Financial Industry, I do not sell commissioned products. No Surrender Fees Ever.
Transparency
Independently Owned Because I am not tied to any large Bank, Brokerage, Insurance Company I do not answer to anyone but you.