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Page 1: Home
Photo with quote over it: “Forecasts may tell you a great deal about the forecaster; they tell you nothing about the future.” –Warren Buffett
Our Firm (photo_CEFEX_logo): Mariaca Wealth Management, LLC is an independent, SEC-Registered Investment Advisor based in Lake Worth, Florida. As a CEFEX-certified firm, we focus our efforts on serving our clients in a fiduciary capacity, conflict-free with full transparency. As a commitment to our standards of transparency and accountability, our firm has achieved the Investment Advisor Certification from the Centre for Fiduciary Excellence (CEFEX). CEFEX is an independent certification organization that works closely with industry experts to provide comprehensive assessment programs to improve the fiduciary practices of investment advisors. CEFEX-certified firms already demonstrate a culture of compliance, and we believe the CEFEX Certification is an indicator of integrity, trust and the high ethical standards that are at the heart of our business.
Three boxes or images with read more links: "Individuals and Families", "Company Retirement Plans", and "Institutions"
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Page 2: About Us
Photo with quote over it: Your Interests, First Always
Mariaca Wealth Management, LLC is an independent, SEC-Registered Investment Advisor based in Lake Worth, Florida. We provide holistic and comprehensive financial planning and utilize a passive, low-cost investment philosophy based on our clients’ unique goals and objectives. At Mariaca Wealth Management, we serve individuals and families as well as retirement plans and endowments.
Sergio Mariaca, AIF® (photo_1_Sergio)
Sergio graduated with honors from the University of North Carolina- Asheville earning a double degree in Economics and Financial Management. With a strong commitment to financial education, Sergio worked as an Adjunct Professor at Palm Beach State University where he taught "Retirement Planning Today" at three of the University's campuses for five years.
Sergio believes in giving back to the community and is a strong advocate for children, education, and for persons with special needs. He serves on the governing boards of the following nonprofit organizations:
Investment Management Consultants Association
Member (2016- Present)
Autism Society of America
Member of the Board of Directors since 2010
Treasurer (2011 – Present)
The United Way of Palm Beach County
Member of the Board of Directors since 2001
Chairman of the Board of Directors (2006 – 2008)
Campaign Chairman (2004 – 2005)
The Education Foundation of Palm Beach County
Member of the Board of Directors (2002 - 2008)
Chairman of the Board (2005 – 2006)
The Area Agency on Aging of the Palm Beaches and Treasure Coast
Member of the Board of Directors (2003 - 2012)
1st Vice President (2006 – 2010)
Chairman of the Board (2010 – 2012)
Member of the Board of Directors (2007 – 2013)
Girl Scouts of America
Co-Chair for the South Florida Executive Realignment (2007 – 2008).
Sergio is very active and enjoys biking, hiking, exercising, gardening, reading, being outdoors and spending time with family and friends. He is married to Andrea Mariaca and they have two children, Dean and Mia.
Audrey Cook (photo_2_Audrey)
Audrey is a very experienced member of our team. She is a graduate of Florida Atlantic University with a B.A. in Psychology and having attended Florida State University is a dedicated Seminoles fan. Her prior experience includes accounting with a top regional law firm and HR within an insurance company. Audrey is the primary liaison to clients and ensures a consistently positive client experience. She is responsible for operational and administrative functions and coordinates all scheduling, client review report preparation and addressing all non-investment related client needs. Audrey knows the importance of getting the details right and has an excellent rapport with all of our clients. When not taking care of clients, Audrey loves cooking, traveling with her husband and spending time with family, friends and her toy poodle Kayley.
Andrea Mariaca (photo_3_Andrea)
Andrea is a graduate of the University of North Carolina at Asheville with a B.A in Psychology. She has extensive background in Human Resources management, serving as Human Resources Director at several mid-size manufacturing companies and also within the banking industry. Andrea works closely with Audrey to ensure a consistent and positive client experience. Additionally, she helps plan and coordinate client communication, client events, manages our educational classes and handles administrative functions.
Andrea enjoys riding her horse, Beau Tie, spending time with family and friends and hosting parties. Andrea and Sergio have two children, Dean and Mia.
Dana Perez (photo_4_Dana)
Dana is a graduate of Florida Atlantic University with a B.A. in Finance. Her education includes training in the financial planning industry and extensive experience in management and customer service. Dana is very detail oriented and works closely with Audrey to ensure a consistent and positive client experience. In her time away from work, Dana enjoys boating with her husband, spending time with family and friends, and playing with Chi and Chetta, her two dogs.
Laura Klocinski (use placeholder image)
Laura Klocinski, our latest team member, joined us in 2015. She is originally from Ann Arbor, Michigan, where she graduated from Eastern Michigan University with a B.S. in Written Communication. In addition to supporting Audrey and Dana in day-to-day services, Laura is responsible for coordinating client communications, planning events, as well as other marketing functions. When she’s not at work, Laura loves spending time outdoors, whether it be exploring state parks or relaxing at the beach.
At Mariaca Wealth Management LLC, we are committed to helping clients preserve and grow their wealth through strategic investing and a long-term approach. To achieve this goal, we work with Dimensional Fund Advisors, a leading global investment firm that has been translating academic research into practical investment solutions since 1981. Through our association with Dimensional, we help investors pursue higher expected returns through advanced portfolio design and careful implementation. An enduring philosophy, strong client commitment, and a strong connection with the academic community underpin our approach.
Investment Philosophy and Process
Our investment philosophy has been shaped by decades of research. We believe that security prices reflect all publicly available information as intense competition among market participants drives prices toward fair value. We use the information in market prices, combined with fundamental data, to systematically identify differences in expected returns among securities.
We seek to add value by building portfolios that target higher expected returns in a cost-effective manner. By integrating a dynamic, market-driven process with a flexible trading strategy, we manage the tradeoffs that matter for performance—balancing competing premiums, diversification, and costs. This approach is applied consistently across a full suite of global and regional equity and fixed income strategies, allowing us to help meet the diverse needs of investors worldwide.
Dimensional’s portfolio management and trading desks are located across the US, Europe, and Asia Pacific, enabling us to cover global markets and manage strategies on a continual basis. Our global investment team applies the same philosophy, process, and systems across offices and regions.
Dimensional has forged deep working relationships with leading financial economists—including Eugene Fama, Kenneth French, and Robert Merton—who work closely with our Portfolio Management, Trading, and Research teams, in addition to serving on our Investment Policy Committee. The opportunity for vigorous exchange between our internal researchers and these lauded academics has allowed us to bring the ideas of financial science to life for investors. A strong belief in markets frees us to think and act differently about investing. The longevity of our client relationships—many dating back decades—demonstrates our commitment to client service and the stability of our organization. By evolving with advances in financial science, Dimensional has delivered long-term results for investors.
Seven Roles of a Financial Advisor
What is a financial advisor for? One view is that advisors have unique insights into market direction that give their clients an advantage. But of the many roles a professional advisor should play, soothsayer is not one of them.
The truth is that no one knows what will happen next in investment markets. And if anyone really did have a working crystal ball, it is unlikely they would be plying their trade as an advisor, broker, analyst, or financial journalist.
Some folks may still think an advisor’s role is to deliver market-beating returns year after year. Generally, those are the same people who believe good advice equates to making accurate forecasts. But in reality, the value a professional advisor brings is not dependent on the state of markets. Indeed, their value can be even more evident when volatility and emotions are running high.
The best of this new breed play multiple and nuanced roles with their clients, beginning with the needs, risk appetites, and circumstances of each individual and irrespective of what is going on in the world.
None of these roles involve making forecasts about markets or economies. Instead, the roles combine technical expertise with an understanding of how money issues intersect with the rest of people’s complex lives.
Indeed, there are at least seven hats an advisor can wear to help clients without ever once having to look into a crystal ball:
1. The Expert: Now, more than ever, investors need advisors who can provide client-centered expertise in assessing the state of their finances and developing risk-aware strategies to help them meet their goals.
2. The Independent Voice: The global financial turmoil of recent years demonstrated the value of an independent and objective voice in a world full of product pushers and salespeople.
3. The Listener: The emotions triggered by financial uncertainty are real. A good advisor will listen to clients’ fears, tease out the issues driving those feelings, and provide practical, long-term answers.
4. The Teacher: Getting beyond the fear-and-flight phase often is just a matter of teaching investors about risk and return, diversification, the role of asset allocation, and the virtue of discipline.
5. The Architect: Once these lessons are understood, the advisor becomes an architect, building a long-term wealth management strategy that matches each person’s risk appetites and lifetime goals.
6. The Coach: Even when the strategy is in place, doubts and fears inevitably arise. At this point, the advisor becomes a coach, reinforcing first principles and keeping the client on track.
7. The Guardian: Beyond these experiences is a long-term role for the advisor as a kind of lighthouse keeper, scanning the horizon for issues that may affect the client and keeping them informed.
These are just seven valuable roles an advisor can play in understanding and responding to clients’ whole-of-life needs, which are a world away from the old notions of selling product off the shelf or making forecasts.
For instance, a person may first seek out an advisor purely because of their role as an expert. But once those credentials are established, the main value of the advisor, in the client’s eyes, may be as an independent voice. Knowing the advisor is independent—and not plugging product—can lead the client to trust the advisor as a listener or sounding board, someone to whom they can share their greatest hopes and fears.
From this point, the listener can become the teacher, architect, coach, and, ultimately, the guardian. Just as people’s needs and circumstances change over time, the nature of the advice service evolves.
These are all valuable roles in their own right and are not dependent on outside forces such as the state of the investment markets or the point of the economic cycle. However you characterize these various roles, good financial advice ultimately is defined by the patient building of a long-term relationship founded on the values of trust and independence and knowledge of each individual.
Now, how can you put a price on that?
Page 3: Our Services
Discovery: To begin our holistic planning process, we will discuss your long-term needs, objectives and aspirations. Long-term goals can consist of anything from retiring early to purchasing a new home to achieving financial independence. These goals become the bedrock upon which the portfolio will be built, and we work with you to define them clearly and concisely.
Risk Assessment: Together, we determine the level of risk that you’re willing to accept. Risk is a complicated topic, from both a mathematical and psychological perspective. We discuss this topic extensively with you to determine the amount of risk you’re willing to tolerate during the investment period. To accurately define your risk level, we utilize FinaMetrica, a technology integration which tests your risk tolerance.
Strategize: We discuss the expected investment period. The time horizon will depend on your retirement goals, risk tolerance, and will determine the type of investments that are suitable for your lifestyle.
Integration: We are very proud of the comprehensive services we offer our clients, which are enhanced by the best-in-class technology partners we use for operational and client-facing activities. Among these tools, we use FinaMetrica for client risk tolerance assessment, Black Diamond for Performance Reporting, Money Guide Pro for Financial Planning, eMoney for our Client Dashboard and Vault, iRebal for rebalancing and Social Security Timing for Social Security optimization.
Collaborative Approach: Here at Mariaca Wealth Management, we have a team-based approach. We work together to create comprehensive planning, seamless implementation, continuous management and excellent service for all areas of your financial portfolio.
Implementation: There are three basic investment methodologies: security selection, market timing and asset class investing. We clearly explain each one and state the reasons for the method we recommend.
Review and Realign: We establish the means for making periodic adjustments to the portfolio as needed and may adjust your portfolios on a defined basis. The investment plan creates a benchmark to measure investment portfolio performance.
Every investment comes with some risk. However, not investing your money can be even more dangerous. Over time, inflation can diminish the value of your assets, and your money today will likely buy less tomorrow. In order to ensure long-term growth, we implement a disciplined investment strategy.
*past performance is not indicative of future results.
At Mariaca Wealth Management, our investment strategy is based on the following principles:
1. We implement research-proven strategies based on work of renowned Nobel Laureate economists including Eugene Fama and Robert Merton.
2. We believe that markets are efficient. What this means that instead of speculating on the future, we embrace the market pricing as accurate, which enables us minimize fees and mitigate unnecessary risk.
3. We believe in long-term investing with low turnover in order to minimize trading fees and maximize the potential for returns.
4. We stay true to a disciplined philosophy that understands behavioral risks and reflects reasonable market expectations.
The motivation for choosing socially responsible investments is both ethical and monetary. By choosing sustainable investments, we enable the potential for stronger financial performance. For interested investors, we offer sustainable, responsible and impact investing (SRI). These options consider environmental, social and corporate governance (ESG) factors while maintaining impressive long-term performance.
Family Wealth Transfer
There is a natural concern among many clients that their loved ones will always be cared for. To give our clients peace of mind, we implement a family-focused strategy to address concerns about financial legacy.
Unlike tax preparation, tax planning is not something that occurs every April right before your returns are due. With tax planning, we offer advice pertaining to the tax consequences of financial events such as buying and selling equities, retirement contributions or wealth transfer.*
*Please note that Mariaca Wealth Management is not a tax advisor. However, we will be happy to coordinate with your accountant and/or lawyer to help you meet your financial goals.
Retirement is often thought the golden age of our lives, but without careful planning, it can be a period of financial hardships. To avoid the stressful situation of income uncertainty, it is recommended that all individuals have a plan in place. We can assist you in creating a plan tailored to your financial situation and expected income needs.
Even with the best intentions, many employers are offering retirement plans that do not meet the Department of Labor (DOL) standards. In fact, 75% of the companies audited last year were found not compliant, and had to pay significant penalties or reimbursement (SOURCE). Our company has long history of working with charitable organizations and businesses to create compliant retirement plans.
(Page 4) Resources and Insights
Photo with quote over it: Educate and Inspire
The Dimensional Experience-
(Separate side textbox: We are among a select group of fee-based financial advisory firms with exclusive access to low-cost, institutional mutual funds offered by Dimensional Fund Advisors. )
To provide our clients with access to groundbreaking financial solutions, we work with Dimensional Fund Advisors (DFA), a leading global investment firm distinguished by their research-based approach and low-cost structure. With offices positioned around the world, Dimensional manages $338 billion for investors worldwide.
Putting Financial Science to Work
What truly sets Dimensional funds apart is their investment strategy. Many of the greatest advancements in finance have come from the academic community. Dimensional works closely with leading financial academics to identify new ideas and research that may benefit investors. Advancements in research and technology inform their investment strategies and keep DFA responsive to evolving markets and client needs.
Dimensions of Expected Returns
The foundation of DFA’s philosophy is centered on the dimensions of expected return. A dimension is a factor that explains differences in returns, demonstrates persistence through time and pervasiveness across markets, and is cost-effective to capture in diversified portfolios.
A Different Way to Invest
Dimensional’s integrated, flexible approach to investing considers the interactions among premiums, market frictions, costs and diversification. Above all, Dimensional is guided by the belief that markets work.
Instead of speculating on the market, Dimensional follows a low-cost structure that emphasizes a long-term strategy for investing with minimal holdings turnover. The research behind the structure suggests that excessive trading rarely justifies the fees that it incurs. Therefore, DFA fees are generally lower than other types of funds.
These benefits, combined with Mariaca Wealth Management’s commitment to service excellence, create the Dimensional Experience.
2016 in Review
Quarter 1, 2016
Looking at broad market indices, emerging markets outperformed developed markets, including the US. Developed markets REITs recorded the highest returns. The value effect was positive in the US and emerging markets but negative in developed markets outside the US. Small caps outperformed large caps in the non-US markets but underperformed in the US and emerging markets.
Please click here to view the full report (link)
2015 in Review
Quarter 4, 2015
Looking at broad market indices, the US equity market again outperformed both developed ex US and emerging markets during the quarter. In a repeat from the third quarter, US REITs recorded the highest returns, outperforming equity markets. The value effect was negative in the US, developed ex US, and emerging markets. Small caps outperformed large caps in both developed ex US and emerging markets but underperformed in the US.
Please click here to view the full report (link)
(There will need to be room for a long list of these, similar to our current resource center page: http://www.mariacawealth.com/resource-center)
(These images can be small, as they will be linked to their own pages)
Videos- (3 video placeholders)
Rich Dad Poor Dad: What the Rich Teach Their Kids about Money that the Poor and Middle Class Do Not: Rich Dad Poor Dad, the #1 Personal Finance book of all time, tells the story of Robert Kiyosaki and his two dads—his real father and the father of his best friend, his rich dad—and the ways in which both men shaped his thoughts about money and investing. The book explodes the myth that you need to earn a high income to be rich and explains the difference between working for money and having your money work for you.
The Essays of Warren Buffett: Lessons for Corporate America, Third Edition: Cunningham's new book, Berkshire Beyond Buffett: The Enduring Value of Values, takes deep dives with Berkshire executives inside their businesses to glimpse the future by a study of the past. By arranging Buffett's lengthy writings thematically, Cunningham's classic clarifies all the principles of Buffett's philosophy of business and investing.
Beating the Street: Legendary money manager Peter Lynch explains his own strategies for investing and offers advice for how to pick stocks and mutual funds to assemble a successful investment portfolio.
The Intelligent Investor: The Definitive Book on Value Investing. A Book of Practical Counsel: The greatest investment advisor of the twentieth century, Benjamin Graham, taught and inspired people worldwide. Graham's philosophy of "value investing" -- which shields investors from substantial error and teaches them to develop long-term strategies -- has made The Intelligent Investor the stock market bible ever since its original publication in 1949.
Think and Grow Rich: Think and Grow rich has been used by millions of business leaders around the world to create a concrete plan for success that, when followed, never fails. About the author: As a young special investigator for a national business magazine, Napoleon Hill was sent to interview Andrew Carnegie. During that interview, Carnegie slyly dropped a hint of a certain master power he used; a magic law of the human mind-a little known psychological principle that was amazing in its power. Carnegie suggested to Hill that on that principle he could build the philosophy of all personal success-whether it be measured in terms of Money, Power, Position, Prestige, Influence, or Accumulation of Wealth
After School Explained: Credit cards, HMOs, leases, business dinners... this witty book explains all of the "life skills" that no one bothers to teach in the classroom. The book was written by a team of young professionals, and is full of funny first-hand experiences from their first few years in the real world. This book is the definitive reference guide for life after school. It is full of helpful and humorous hints for anyone who eats, spends money, works, or pays taxes. The book draws on tips from the popular Cap & Compass campus seminars, and includes a lot of feedback from graduating seniors and recent grads. It's the perfect gift for recent graduates (college or high school). A few of the topics covered include: mutual funds, 401k's, work dinner etiquette, buying vs. leasing a car, engagement rings, student loans, auto insurance, dressing for the job, taxes, and more.
Get a Financial Life: Personal Finance In Your Twenties and Thirties: If you've been meaning to get your finances in shape but have no idea where to start, this is your playbook: The all-new edition of the New York Times bestseller Get a Financial Life busts open the system, teaching tricks for becoming master of your own money universe. No matter what's happening in the economy, all the guidance you need is right here.
Page 5: Contact Us
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-Address (8401 Lake Worth Rd Suite 217, Lake Worth FL 33467)
-Phone Number: 561-650-8061
-Fax Number: 561-828-2335
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