Our Services

Ocean Heights Advisors is powered by Mariner, allowing us to leverage the expertise of seasoned professionals in tax, trust, estate planning, investments, retirement planning, and insurance. Additionally, Mariner’s support in technology, compliance, and operations allows us to focus more on what truly matters—building strong, lasting relationships with you.

Financial Planning

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We will partner with you to develop a customized financial plan that works for you now and over the long term. Whether it’s planning for retirement, saving for a child’s education or making charitable contributions, we will get to know you and your goals, then build a plan to help you reach them. A brief overview of our planning process can be found below.

Data gathering and a deep assessment of your current situation
Address immediate concerns – focus on risk areas
Collaborate to set goals and outline plans for achieving them
Thoughtful execution of strategic priorities – including tax strategy
Ongoing monitoring and modifications to your financial plan

Investment Management

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We will get to know you, your investment goals, tolerance for risk and time frame until retirement. Then our investment management team will take a proactive approach to diversifying your portfolio across asset classes including cash, fixed income and equities and periodically review your portfolio, making adjustments as needed to align with your risk tolerance and overall objectives.

Diversification among multiple asset classes
Consideration of different styles and strategies within asset classes
Implementation of active and passive strategies
Tactical asset allocation adjustments

Tax Planning

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Including an effective tax strategy as part of your overall wealth and estate plan may help you maximize your savings and reach your financial goals. We will work with an experienced, in-house tax team that understands the latest regulatory issues and tax law changes to create tax efficient strategies for you designed to minimize your tax burden.

Proactive, creative tax analysis and year-round planning
Implementation of multi-state tax strategies including residency and domicile
Representation and support for IRS and state tax audits
Bookkeeping and family office services

Risk Management/Insurance Analysis

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Having income protection strategies in place can help you protect your family now and in the future. To build a sound financial plan, it’s a good idea to include insurance solutions such as life and property and casualty insurance. We can help you evaluate solutions and recommend options to fit your family’s needs.

Asset and income protection strategies
Analysis of major insurance companies and product recommendations
Life insurance audits and long-term care expense mitigation
Estate tax elimination strategies

Trust Services

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As you think about providing for your family for generations to come, you may want to consider establishing a trust. We will work with you on strategies to help minimize taxes and maximize your potential wealth transfer and charitable contributions with the goal of helping to ensure your wishes are carried out.

Review and advice on trust documents
Charitable planning and gifting strategies
Generation-skipping wealth transfer strategies
Self-settled trusts for asset protection and efficient distribution
Professional, experienced and knowledgeable trust management

401(k)/Retirement Plan Services

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Helping employers create and maintain an effective corporate sponsored retirement plan is vital for employee retention as well as maintaining the wealth relationship with the business owner. We have access to a CEFEX-certified team* that can help you by creating, managing and expanding your employer-sponsored plan to fully meet the needs of your employees.

Plan design
Investment selection
Asset allocation
ERISA compliance & fiduciary services
IPS preparation & maintenance
Benchmarking & analysis
Employee education and financial wellness

*Mariner is certified by The Center for Fiduciary Excellence (CEFEX) as meeting the standards described in the handbook “Prudent Practices for Investment Advisors.” The standard describes how an investment adviser assumes the responsibility for managing a client’s overall investment management process, which includes the selection, monitoring, and de-selection of investment managers, as well as developing processes to implement investment strategies and fiduciary practices on an ongoing basis. These practices also include maintaining a fiduciary checklist for each client to ensure proper fiduciary governance and compliance with ERISA and implementing best practices as described by the Department of Labor.

Investment advisory services are offered through Mariner Platform Solutions (MPS); affiliates of MPS may provide other services listed and they may be subject to additional fees. Some advisors are licensed insurance agents and may be compensated for selling insurance-related products through an affiliated or unaffiliated insurance agency.

Asset allocation, diversification and other investment strategies cannot ensure a profit or protect against loss in a declining market. Investing involves risk, including the potential loss of principal. There is no guarantee that any investment or planning strategy will be successful.