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Marian Financial Services, Inc.

About Marian Financial Services, Inc.

The difference between those who are successful and those that are not is real simple - an indispensible Financial Plan.

Richard M. Allison, CASL®, CFP®, CMFC®, RFC®
We are a Registered Investment Adviser based in the State of Florida and also licensed in IN, KY and TX. More importantly, we are a fiduciary who acts in your best interests. Because we are an RIA, you can rest assured that we will not be trying to twist you into buying products or services that only benefit us, like Wall Street firms and their registered representatives do. We recommend solutions, not products.
Certified Financial Planner® - effective October 1, 2019, every CFP® will be subject to a new Code of Ethics that is stronger than any other financial designation. A CFP® is required to act as a fiduciary and in your best interests, no matter where they work. Our CFP®, Mr. Allison, licensed since December 1st, 1992, has the experience and knowledge to craft custom solutions to help you achieve the things that are most important to you.

Lookout!

This shady character is an expert at prying your hard earned money away from you. Where he gets you is by convincing you to invest in things that are not publicly traded or listed on a major stock exchange. Most of the time it is a Private Placement, a Non-Publicly Traded REIT, or a Promissory Note. If you invest with him, you can kiss your money goodbye. He is an expert thief!

Charles Ponzi
Ponzi Schemer

Its all about the Benjamins!

"Investing" (don't make me laugh) with this guy only benefits him, not you. He locks you into insurance products with high commissions and long surrender periods of usually 10 years or more! Typically, insurance agents are the most inexperienced people out there when it comes to Financial Planning. Most do not even have the proper licensing. Did you know that they cannot offer Financial Planning unless they are affiliated with a Registered Investment Adviser?

Eddie Agent
Insurance Agent

Supersalesman

Billy Banks will try and sell you everything under the sun. Mortgages, Home Equity Lines of Credits, Credit Cards, Mutual Funds, Variable Annuities, UIT's, and who knows what else. Billy has a revenue quota to hit and he is going to reach it because you are sitting in front of him. You'll end up with something that you didn't know you needed when you walked into that bank!

Billy Banks
Registered Representative

Where are you on your journey?

Subscription Based Financial Planning with Optional Portfolio Management

$100 per month
We have two options for younger single clients. We have a Subscription Based Financial Planning option with no need to open any accounts. The other option is the Subscription Based Financial Planning with portfolio management by Morningstar Investment Services, LLC at no added fee by our firm. Requires linking all asset and liability accounts through Right Capital® Financial Planning software and their account aggregation service.
Morningstar® has approximately forty (40) different portfolio options ranging from ETF's, Mutual Funds and Stocks. Their fee ranges from 0.30% - 0.65% per year. The account minimum to open an account is as low as $5,000 for some Morningstar® Managed Portfolios. ($25,000 and up for others.) There is no added fee by our firm if you add the optional Morningstar® Managed Portfolios.

Subscription Based Financial Planning with Optional Portfolio Management

$150 per month
Our option for younger married clients is based on a two income family and is priced at $150 per month. If not a two income family, then this plan reverts to the same fee as the younger single clients offer which is $100 per month. Requires linking all asset and liability accounts through Right Capital® Financial Planning software and their account aggregation service.
With this plan, there is also two options. The first is a Subscription Based Financial Planning option with no need to open any accounts. The second option is the Subscription Based Financial Planning with the optional Morningstar® Managed Portfolios with no added fee by our firm.

Portfolio Management with Financial Planning

AUM fee - 1.25% per year
We have been managing portfolios and protecting client assets for a long time. We moved our clients to cash on October 1, 2008 and stayed there until May 8, 2009 which saved our clients money back then. Today, we are an Exchange Traded Funds (ETF) Portfolio Manager. We have five (5) main ETF Portfolios that we manage. Typically, we refer clients to Morningstar Investment Services, LLC for those who desire a highly disciplined and professionally managed ETF, Mutual Funds, or Stock Portfolio.
Financial Planning is a critical area that should not be neglected, especially as you are well into your career. We use Right Capital® as our Financial Planning software vendor because of their enhanced level of security. They do not need or store your personal information. They do not need your account numbers or even your Social Security number in order to provide their services. See the "Data Security" link on our Main Menu.

Portfolio Management with Retirement Readiness

AUM fee - 1.25% per year
At this stage of life, it is time to start planning for retirement. You have been in the accumlation phase and you are close to the distribution phase. Information overload takes over and we have a solution to help. Our Right Capital® Financial Planning software can pull everything together. You link your assets and liability accounts, then you can see everything you own and owe in one place. You will know the best way to plan for future distributions, how and when to take your Social Security, how taxes will effect your decisions and we can help with your pension distributions.
At this level, we can continue to manage your portfolio or outsource it to Morningstar® who will take care of this process for you, so we can concentrate more on your retirement readiness. Our fee is normally lower than outsourcing to Morningstar®, but each case is different. We can run an Investment Proposal for comparison purposes.

Portfolio Management and Distribution Planning

AUM fee - 1.25% per year
Now, we need to look at how we can make the most tax-advantaged withdrawals in retirement. Should you take a lump-sum pension distribution? When should you take Social Security? What will my taxes look like in retirement? When might a Roth Conversion be appropriate? What does your retirement cash flow look like? Without a Financial Plan, you will never know the answers to these important questions.
At this level, we can continue to manage your portfolio or outsource it to Morningstar® who will take care of this process for you, so we can concentrate more on your distribution planning. Our fee is normally lower than outsourcing to Morningstar®, but each case is different. We can run an Investment Proposal for comparison purposes.

Why Choose Rick Allison as your CFP®?

Creativity

Creative and experienced. Mr. Allison has been a licensed CFP® since December 1st, 1992 and has seen a multitude of varying client scenarios giving him the creativity and experience needed to craft a Financial Plan that benefits you and yours.

Zoom® Meetings

You can schedule an online Zoom® Meeting with Mr. Allison in order to save time and learn about Right Capital®, Morningstar® and our Portfolio Management options. No wasted travel time necessary. Of course, we think we both would benefit by a more personal, face-to-face meeting at our office.

Right Capital® Mobile App

Right Capital® has a mobile app in addition to their web site. Once you link accounts through Right Capital®, then you will be able to see everything you own and owe right from your iPhone or Android device. The account aggregation feature will pull in all of your information. If you want us to review a private document, then the Right Capital® Client Portal will faciliate this for us. This app works with Face ID, too.

Rick's Book

Mr. Allison has written several books as Richard Allison Johnson. Meet Wally Street. The Reason You're Stupid, 2nd Edition is a sarcastic view of a fictional character he invented, Wally Street. Old Wally is out to make the most money he can from you! Mr. Allison's book will protect you from the likes of Wally Street. It is available at most major e-book retailers. Be sure and get the 2nd Edition!

One-to-One Relationship

Mr. Allison is your contact and you will work directly with him to build your Financial Planning relationship to help guide you on your glidepath and journey as you navigate life for you and yours.

Take Time Off

Mr. Allison believes that all work and no play is not good for anyone. He plays baseball in adult baseball tournaments each year for fun. Mr. Allison likes to help you figure out how you can do those things that are fun to you and make you happy. It is important to be happy. You need to plan for enjoying life!

Contact Rick Allison, CFP®

Call Rick at
nine zero four - four six zero - two seven zero zero
Address
12724 Gran Bay Parkway West, Suite 410 - Jacksonville, FL 32258
Email
rick at marianfs dot com