Ross Marino (CeFT®, CFP®)
Ross Marino focuses in the
following client markets or areas of practice:
- Financial Psychology/Coaching
- High Net Worth Client Needs
- Investment Advice with Ongoing Management
- Retirement Planning & Distribution Rules
- Tax Planning
- Financial Psychology/Coaching
- High Net Worth Client Needs
- Investment Advice with Ongoing Management
- Retirement Planning & Distribution Rules
- Tax Planning
Planning Specialties
Retirement planning and retirement-income planning; investment management; Social Security and pension decisions; Medicare and healthcare cost planning; tax-aware retirement decisions, including Roth conversions and charitable giving; retirement spending; long-term care considerations; estate and legacy coordination with attorneys; family financial support; and planning for life changes that affect retirement. I also help couples evaluate retirement decisions together, including situations in which one spouse has historically managed the household finances.Additional Information
Retirement decisions are connected. When you retire affects income. Income choices can affect taxes and Medicare costs. Investment decisions influence the flexibility available for spending, family support, future care, and other priorities. My work helps people see those connections and understand how one decision may change other parts of their financial lives. I begin with the question in front of them, learn why it matters and what they want their money to support, and then evaluate the choices and tradeoffs before recommending a path. I created Human-First Financial Guidance® to bring a person’s circumstances, relationships, responsibilities, and priorities into the financial decision-making process. Clients remain in charge of their decisions while receiving clear recommendations and ongoing help carrying them out.NAPFA Start Date
August 03, 2026
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