Bring clarity and coordination to your personal and business finances.
Planning for business owners, from solo founders to enterprise leaders, through the years you run the company and the day you sell it.
Your business and your household, planned together.
Marine Street Financial is an independent, LPL-affiliated financial advisory firm headquartered in La Jolla, California, working with business owners locally and nationally. We coordinate the decisions that connect your company and your personal finances, so each one supports the other.
Built for Busy Professionals
Don't have the time to manage increasingly complex finances? We can help you simplify. With thoughtful, comprehensive coordination, we uncover opportunities and manage your risks to support you and your business.
Know Where You're Headed
When can you retire? How much do you need? We help you define your retirement timeline and ideal savings with flexible plans that track your progress and highlight critical steps so you can make personal and business decisions with confidence.
Choose the Right Plan for You
Guiding solo business owners to enterprise leaders, our wide range of retirement options offers tax and financial incentives that fit your goals and lifestyle today and down the road.
Planning for the Exit
Selling or transitioning a business is often the largest financial event of an owner's life. We help owners prepare well before a sale, think through what the proceeds need to do for their household, and coordinate with their CPA and attorney through the transaction. Many owners come to us for the exit alone, whether or not we work with their company in any other way.
Frequently asked questions
I am thinking about selling my business. When should we talk?
Earlier than you might expect. The decisions that shape an exit, from how the business is structured to what the proceeds need to do for your household, are easier to make with time. We work alongside your CPA and attorney, and many owners come to us for the exit alone, whether or not we work with their company in any other way.
Do you work with the company's retirement plan too?
We can. Our dedicated retirement plan team works with companies on 401(k), SIMPLE IRA, SEP IRA, cash balance, and other plans. Your personal planning and the company plan are handled as separate engagements, and you can work with us on either or both.
How is planning for a business owner different from planning for anyone else?
Most of your net worth may sit in the business, your income can vary year to year, and your personal and company finances affect each other. Planning for a business owner accounts for all three: building savings outside the business, choosing the right retirement plan for the company, and preparing for the day the business changes hands.
Start with a conversation.
Tell us about your business and your goals, and an advisor will follow up.