Business Details
19 Years
experience
Your Trusted Partner for Retirement Planning & Wealth Management
Mariaca Wealth is a fee-only fiduciary firm dedicated to helping clients achieve highly satisfying retirements through personalized financial planning and investment management. Since 2007, we have specialized in retirement planning, wealth protection, and transfer strategies, prioritizing transparency and client-centric service. Our team of certified professionals adheres to the highest industry standards, including CEFEX certification, and utilizes evidence-based investment approaches.We work closely with individuals, retirees, and non-profits to align financial strategies with personal values, ensuring tax-efficient income streams and long-term security. Our commitment to eliminating hidden fees and commissions has established us as trusted advisors in the financial planning sector.
Services
Investment Consulting
Retirement Planning
Wealth Protection
Wealth Transfer
Non-Profit Planning
Details
- Year established: 2007
Highlights and features
- We are fee-only fiduciaries with 100% transparent fees
- We specialize in retirement planning with 15+ years of experience
- We offer exclusive access to low-cost DFA mutual funds
- We align financial plans with personal values and priorities
- We provide sustainable investment strategies for socially conscious clients
Associations and certifications
- CEFEX-certified
- Dimensional Fund Advisors (DFA) partner
Services
Investment Consulting
Our disciplined, evidence-based approach preserves and grows wealth through diversified portfolios aligned with client values. We analyze performance, risk, and tax implications while offering exclusive access to DFA's low-cost mutual funds. Sustainability-focused options are available for environmentally conscious investors.
Retirement Planning
We create dynamic retirement plans that coordinate tax-efficient income streams and address market volatility. Using advanced software, we develop living documents that adapt to life changes while clarifying financial goals and optimizing investment strategies for long-term security.
Wealth Protection
We conduct comprehensive insurance analyses covering life, health, and disability coverage to identify protection gaps. Our team connects clients with qualified partners to secure optimal policies at competitive rates while minimizing annual costs through strategic planning.
Wealth Transfer
We develop customized wealth transfer strategies that align with personal values and legacy goals. Collaborating with legal and tax professionals, we implement plans that ensure smooth asset distribution while minimizing tax liabilities and preserving family financial heritage.
Non-Profit Planning
We provide fiduciary support for non-profits and organizations, optimizing retirement plans through IPS development, investment monitoring, and fee benchmarking. Our services include committee support, QDIA recommendations, and participant financial wellness education programs.
People
Sergio Mariaca
President & Founder
Certified financial planner with 15+ years of experience, previously practicing law before transitioning to finance. Holds CFP, AIFA, and CEPA certifications. Developed Mariaca Wealth's fiduciary model after personal family financial challenges, prioritizing transparent fee structures and client-first advisory services.
Dana Perez
Financial Advisor
Certified financial planner specializing in retirement strategies. Focuses on tax-efficient income planning and investment strategy development for pre-retirees and retirees, ensuring alignment with long-term financial goals and risk tolerance levels.
Audrey Cook
Client Planning Director
Manages comprehensive financial planning processes, including risk evaluation and asset allocation strategies. Coordinates with advisors to implement customized plans that address both immediate needs and long-term wealth preservation objectives.
Questions
What makes Mariaca Wealth different from other financial advisors?
We operate as fee-only fiduciaries with zero commissions, providing transparent pricing and exclusive access to DFA's low-cost investment funds while prioritizing personalized retirement planning.
Do you work with non-retired clients?
Yes, we specialize in pre-retirement planning for clients 5-10 years from retirement, helping optimize savings strategies and develop comprehensive transition plans.
How do you handle tax considerations in retirement planning?
We implement strategies to minimize tax liabilities through coordinated income stream planning, tax-efficient withdrawals, and strategic asset allocation approaches.
Can you help with non-profit retirement plans?
Yes, we provide ERISA-compliant fiduciary services for non-profits, including plan design optimization, investment policy development, and participant education programs.
What investment approach do you use?
We employ a disciplined, diversified approach using DFA's evidence-based funds, focusing on long-term growth while mitigating risk through strategic asset allocation strategies.
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