Marc Lieberman, CFA^®
Shorepine Wealth Management

Financial Planning for Businesses

As a small company you want to ensure you are saving as much as possible for your retirement as well as that of your employees. Shorepine Wealth Management has helped small companies build and manage small defined benefit plans and 401(k)s. These plans can not only significantly increase the amount a typical small company owner saves versus traditional SEP or SIMPLE IRAs, the tax savings can also be significant. Oftentimes the result is 2 or 3 times what they were saving before in pre-tax dollars. We work with third party administrators to help establish the plan, maintain record keeping, file the appropriate documents and ensure your plan is on track and within all regulatory requirements. We also mange the investments where appropriate.

Financial Planning for Individuals

Upon initial consultation, we will collectively establish the best plan for you and your family's unique circumstances. This plan will be reviewed and adjusted at least annually and more often as circumstances dictate. Life planning, goal setting and wealth accumulation are constantly changing endeavors and we are there to advise you at every step along the way. We employ a well established financial planning tool that is web-based and interactive. Each client has their own personal portal for the life of their relationship with Shorepine Wealth Management.

Portfolio Management

Each client is different with differing needs, objectives and risk tolerances. So each account will vary by those factors. That being said, I employ a CORE Equity strategy (US large cap stocks) surrounded by low cost ETFs for most of my clients. Clients with fewer assets will likely receive an ETF-only portfolio, to save on costs. All of our strategies employ an opportunistic rebalancing strategy and have a focus on reducing costs and taxes wherever possible. We also employ tax loss harvesting to help reduce taxes when we can.

Financial Planning for Businesses

As a small company you want to ensure you are saving as much as possible for your retirement as well as that of your employees. Shorepine Wealth Management has helped small companies build and manage small defined benefit plans and 401(k)s. These plans can not only significantly increase the amount a typical small company owner saves versus traditional SEP or SIMPLE IRAs, the tax savings can also be significant. Oftentimes the result is 2 or 3 times what they were saving before in pre-tax dollars. We work with third party administrators to help establish the plan, maintain record keeping, file the appropriate documents and ensure your plan is on track and within all regulatory requirements. We also mange the investments where appropriate.

Financial Planning for Individuals

Upon initial consultation, we will collectively establish the best plan for you and your family's unique circumstances. This plan will be reviewed and adjusted at least annually and more often as circumstances dictate. Life planning, goal setting and wealth accumulation are constantly changing endeavors and we are there to advise you at every step along the way. We employ a well established financial planning tool that is web-based and interactive. Each client has their own personal portal for the life of their relationship with Shorepine Wealth Management.

Portfolio Management

Each client is different with differing needs, objectives and risk tolerances. So each account will vary by those factors. That being said, I employ a CORE Equity strategy (US large cap stocks) surrounded by low cost ETFs for most of my clients. Clients with fewer assets will likely receive an ETF-only portfolio, to save on costs. All of our strategies employ an opportunistic rebalancing strategy and have a focus on reducing costs and taxes wherever possible. We also employ tax loss harvesting to help reduce taxes when we can.

Estate Planning & Trusts

From estate planning to mortgage assistance, we are there to help with all aspects of your financial well-being. We dont just handle your investments, we help make sure you are making good choices with your money. It is all part of your relationship with us.

Investment Management & Advice

The two largest detriments to a successful investment outcome are fees and taxes. We strive to manage your portfolios in the most tax efficient manner possible relative to your unique circumstances. We look to reduce trading costs by investing for the long term while avoiding high cost investment vehicles. We employ a comprehensive and ongoing investment management process for all of our clients. We look to reduce costs and taxes wherever and whenever possible. We begin by building and managing a US based Large Cap Equity portfolio for all of our clients.This portfolio consists of 100% US equity holdings that exhibit characteristics that tend to outperform over time. We incorporate both fundamental and technical analysis tools in our work because evidence suggests that it is just as important to know WHY you own a stock as it is to know WHEN to buy (or sell) it. We then extensively profile you, the client, to help determine the right mix of assets to hold. This profile will help us determine your households risk tolerances which helps us dictate the right level of risk for you to take in your portfolio. We then surround the core portfolio with uncorrelated assets that are weighted according to your risk profile. Portfolios adhere to an Opportunistic Rebalancing approach that has been shown to positively impact long term returns.