I’m Marc Lowe, CFP®, Founder of In The Money Retirement Planning.

 

At 33, I decided to quit the mainstream finance world.

 

Early in my career, I lost a few businesses and decided to hone my skills in financial planning to create the business financial planner I needed back then. I went on to win awards at some of the largest Registered Investment Advisors in the country but before all that, as a young entrepreneur, I was consistently approached by financial advisors who only wanted to manage a business retirement plan or extend me credit. They didn't have the ability to help with my biggest asset, my business. As time went on, the business I was in at 22, the restaurant business, had worn me down. The problem was that I needed someone in my corner to help me get out of this rut.

 

Someone to direct me on how much time I should be allocating to developing systems, reducing risk in key areas, and developing different cash flow scenarios so that I could see how to drive profitability to grow my business.

 

If only I had someone able to direct me before I ran into burnout, I would have kept the business going.

 

In The Money Retirement Planning was created to change that.

 

Today, I work with business owners (in business for 3+ years) who want a comprehensive plan that drives value in their business and integrates it with their cashflow management, taxes & retirement investments.

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Along the way, I have helped

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- business owners avoid liquidation during hard times

- business owners reduce debt levels, catch up on taxes & establish retirement plans

- pre-retirees (50-65) make work optional as early as possible

 

As the Lead Advisor, I oversee all aspects of financial planning and investment management for my clients.

 

I help you:

 

• Lower your lifetime tax burden.

• Reduce risk within your business.

• Make informed decisions around cash flows for your business

• Negotiate with lenders when your business hits hard times.

• Build investment portfolios aligned with your retirement goals and risk tolerance.

 

My Philosophy

 

• Planning is the foundation of a successful business.

• Long-term success comes from small financial decisions made consistently over time.

• Taxes are often the largest lifetime expense and should be managed proactively.

• Investment management is only one piece of a successful retirement plan.

 

Before founding In The Money Retirement Planning, I was a financial advisor at Fisher Investments, where I managed a book of 200 households and won their Platinum Investment Counselor award for finishing in the top 5% of all advisors in terms of client satisfaction & amount of times I was referred to friends and family. Prior to Fisher, I worked with Charles Schwab's Advisory Services platform and in private wealth management at Spartan Capital. Those experiences shaped my planning-first approach and deepened my expertise in retirement planning and tax-efficient investing.

 

Specialties

• Cashflow Planning for Seasonal Businesses

• Able to partner with an administrative trustee to manage trusts with specific provisions