Business Details
Your Trusted Financial Advisers in Pinehurst, NC
Golden Pine Advisory was founded on the principle of transforming financial planning into a smarter, more personalized experience. As a fee-only firm, we prioritize transparency, eliminating commissions and product sales to focus solely on your best interests. Our approach combines cutting-edge technology with a commitment to simplicity, ensuring clients understand their financial plans without unnecessary jargon. With decades of combined experience, our team brings a unique blend of entrepreneurial spirit and technical expertise to every client relationship.We operate as a fiduciary, legally bound to act in your best interest, and maintain independence in our research and recommendations. Our process emphasizes efficiency, using world-class tools to streamline planning and give clients more time for what matters most. We believe financial clarity leads to confidence, empowering clients to achieve long-term security and peace of mind.
Services
Financial Planning
Investment Management
Retirement Planning
Estate Planning
Tax Optimization
Insurance Review
Education Planning
Employee Benefits Analysis
Highlights and features
- We operate as a fee-only firm with no product sales or commissions
- Legally bound fiduciaries committed to your best interests
- Independent research and custom-tailored financial recommendations
- Transparent fee structure with no hidden agendas
- Leverage world-class technology to streamline financial planning
Associations and certifications
- CERTIFIED FINANCIAL PLANNER
- Chartered Retirement Planning Counselor
Services
Financial Planning
Our comprehensive financial planning service creates customized strategies aligned with your unique goals and life circumstances. We analyze cash flow, retirement readiness, estate considerations, and risk management needs to develop holistic solutions. Using award-winning software, we quantify your financial situation and create actionable plans that evolve with your changing needs. Our process emphasizes education, ensuring clients understand their financial landscape while making informed decisions.
Investment Management
We construct globally diversified portfolios using low-cost ETFs and index funds tailored to individual risk profiles and financial objectives. Our disciplined investment approach automatically rebalances portfolios and adjusts strategies as client circumstances change. With fee-based management starting at 1.5% for smaller accounts, we provide ongoing monitoring and tax-efficient strategies while maintaining custody through independent third-party custodians like Schwab Alliance.
Retirement Planning
Our retirement planning service evaluates current savings, income sources, and lifestyle goals to determine retirement readiness. For pre-retirees, we assess transition timelines and resource optimization. For retirees, we maximize income efficiency across multiple sources while minimizing tax implications. The process includes scenario analysis and contingency planning to ensure financial security throughout retirement years.
Estate Planning
We analyze existing estate documents, account structures, and beneficiary designations to ensure proper wealth transfer. Our approach focuses on minimizing tax burdens while protecting assets for intended beneficiaries. We coordinate with legal professionals to implement strategies that align with overall financial plans and family objectives.
Tax Optimization
Our tax efficiency analysis identifies opportunities to reduce current and future tax liabilities through strategic planning. We evaluate income sources, deductions, and retirement account distributions to optimize tax positions. The service includes coordination with accounting professionals to implement comprehensive tax-saving strategies aligned with overall financial goals.
People
Mark Bare
Founder
Mark Bare, CFP and CRPC, founded Golden Pine Advisory after 15+ years in financial services. He previously worked at a major brokerage firm and holds a business degree from NC State University. A community leader, he serves on local education committees and the Baxter Foundation board. His entrepreneurial background includes running a successful computer repair business before college.
Jordan Bare
Director of Client Experience
Jordan Bare leads client services with a focus on problem-solving and personalized attention. She holds a business degree from NC State University and brings six years of inventory management experience from the orthopedic device industry. Active in community education initiatives, she balances client service excellence with family life as mother to three children.
Questions
What does 'fee-only' mean for your services?
We receive compensation exclusively through client-paid fees with no commissions, product sales, or third-party payments.
Are you legally required to act in my best interest?
Yes, we operate as fiduciaries, legally bound to prioritize your best interests in all recommendations.
What qualifications do your advisors hold?
Our advisors hold prestigious designations including CERTIFIED FINANCIAL PLANNER and Chartered Retirement Planning Counselor.
How are my assets protected?
Client assets are held by independent third-party custodians like Schwab Alliance with full security protections.
Do you require minimum investments?
We have no minimum investment requirements and serve clients with various asset levels.
Can I work with you remotely?
Yes, we serve clients nationwide through virtual meetings and phone consultations using secure technology.
