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by mcdonaldsmwa | Jun 22, 2022 | Uncategorized | 1 comment
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Todd is a Certified Public Accountant.
Todd has more than 12 years of experience in tax and accounting. As director of tax, he assists clients with tax preparation and filings, tax planning and consulting, as well as a variety of accounting functions.
Prior to joining Mariner Wealth Advisors, he operated his own tax and accounting practice in Cincinnati, Ohio. Prior to that, he was a senior tax manager with Keith & Associates, PLLC.
He has a bachelor’s degree in business administration from The College of Charleston in South Carolina, and an MBA with an accounting concentration from Xavier University’s Williams College of Business.
Kyle holds the Chartered Financial Analyst® designation.
Kyle is a portfolio manager working with the director of equity research and implementing investment strategies. He has more than nine years of experience in the financial services industry, including particular experience in equity valuation and fundamental analysis.
Prior to joining Mariner Wealth Advisors, Kyle was a senior analyst at Western & Southern Financial Group where he worked in corporate finance. He was responsible for providing valuation analysis of merger and acquisition candidates and supporting the firm’s Securities Lending and Funding Agreement programs. In addition, he worked on real estate financings, asset-liability management and conducted counterparty risk assessments.
Kyle earned a Bachelor of Business Administration degree with a concentration in finance from Morehead State University and an MBA from the University of Cincinnati. Kyle is a member of the CFA Institute and CFA Society of Cincinnati.
He is also a member of the Finance Department Advisory Board of Cincinnati’s Linder College of Business and the UC Student Fund Investment Committee.
Within the P&G Retirement Plan, there are many different options for where to allocate your investments. Once you turn 50, you have access to these options within your PST, and you always have access to these options if you are saving in your 401(k) Savings Plan. Listed below is a summary of the options available to you.
The first set of options that are available within the PST and Savings Plan are on the conservative side, and include money market funds and bond funds. These will move independently of the equity markets and are intended to act as a buffer to market volatility and help to provide buoyancy to your portfolio in times of market turmoil:
For those willing to tolerate the higher risk and volatility that comes from investing in the equity markets, there are funds within the PST and Savings Plan that allow you to invest in the equity space:
The last of the options available within the PST and Savings Plan are the pre-mixed investment options. These funds consist of a mixture of the funds listed above and have various equity targets placed on them, ranging from conservative to aggressive.
Typically when P&G employees turn 50, they are eager to begin diversifying away from their P&G concentration within their PST. With so many investment options to choose from, that process can be challenging. If you are in such a situation, please to reach out to your team at Mariner Wealth Advisors, or contact Brad Morgan or Nate Kunkel directly.
Disclosures
1Think Advisor, “Brigitte Madrian’s Power of Suggestion — and How It Improved Retirement” article originally published in “Research Magazine”
2 http://psychology.iresearchnet.com/social-psychology/decision-making/loss-aversion/
Mariner Wealth Advisors is not affiliated with Procter & Gamble. Any reference to them should not be construed as an endorsement by either party.
The views expressed are for commentary purposes only and do not take into account any individual personal, financial, or tax considerations. It is not intended to be personal legal or investment advice or a solicitation to buy or sell any security or engage in a particular investment strategy.
Investing in securities involves risk of loss, including loss of principal. Past performance is not indicative of future results.
Mariner Wealth Advisors (“MWA”), is an SEC registered investment adviser with its principal place of business in the State of Kansas. Registration of an investment adviser does not imply a certain level of skill or training.MWA is in compliance with the current notice filing requirements imposed upon registered investment advisers by those states in which MWA maintains clients. MWA may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. Any subsequent, direct communication by MWA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For additional information about MWA, including fees and services, please contact MWA or refer to the Investment Adviser Public Disclosure website. Please read the disclosure statement carefully before you invest or send money.
Stay up-to-date on the latest P&G retirement information.
Director & Senior Wealth Advisor
Brad is a CERTIFIED FINANCIAL PLANNER™ professional.
Brad provides financial planning and investment management to individuals, foundations and endowments. Brad leads our P&G advisor team and has specialized experience in Procter & Gamble employee benefits.
Following in the footsteps of three generations, Brad began his career at P&G. While there, he spent time around the world serving in roles in process design, package development and project management. His passion for investing and desire to work closely with individuals on their financial goals brought him to Mariner Wealth Advisors.
Brad has bachelor’s and master’s degrees in mechanical engineering, graduating magna cum laude from the University of Tennessee.
Brad enjoys golf, cycling, running, snow skiing and water skiing.
Nate is a CERTIFIED FINANCIAL PLANNER™ professional.
Nate works with high-net-worth individuals, foundations and endowments to provide comprehensive wealth management solutions to help them meet their goals.
Prior to joining Mariner Wealth Advisors, he completed an internship at Deerfield Financial Advisors where he assisted senior wealth advisors with financial plans and investment research. Prior to that, he completed an internship at Johnson Investment Counsel where he gained exposure to investment strategies.
Nate has a Bachelor of Business Administration degree in finance from the University of Cincinnati.
Nate is involved with the Karen Wellington Foundation. He also enjoys playing golf and tennis and cheering on the Cincinnati Bengals and the Cincinnati Reds.
Keith is a CERTIFIED FINANCIAL PLANNER™ professional.
Keith provides financial planning and investment management to individuals, foundations and endowments. He works within our P&G advisory team and has experience in working with current, former and retired Procter & Gamble employees to walk through their benefits and develop a tax-efficient retirement paycheck. Prior to joining Mariner Wealth Advisors, Keith worked in various roles within the commercial banking world where he spent time working closely with individuals on their financial goals.
He has a bachelor’s degree in finance from the University of Dayton.
Keith is an active member of the community is a graduate of Cincy Next, Class 5. Outside of work, he enjoys spending time with his wife and can be found on the golf course on most weekends.
Director & Senior Wealth Advisor
BEST-IN-STATE
Patrick is a CERTIFIED FINANCIAL PLANNER™ professional.
With more than 15 years of investment and wealth planning experience, Patrick delivers broad-based wealth management services for high-net-worth individuals and families. He has experience working with the Procter & Gamble community and other Fortune 500 company executives and employees, where his knowledge of retirement plan distribution strategies, portfolio construction and stock option planning creates a tailored experience for his clients.
Prior to joining Mariner Wealth Advisors, he was a vice president and private banker with J.P. Morgan’s Private Bank high-net-worth office in Cincinnati serving on the executive wealth team. In this position, he worked alongside J.P. Morgan’s Retirement Plan Services Group. Patrick developed an understanding of various profit sharing plan distribution strategies, stock option awards, restricted stock grants and appropriate planning techniques to help minimize taxes and reduce concentration risk. Previously, he was a vice president and banker at J.P. Morgan Chase’s Private Client Group in Chicago where he was responsible for investment relationships, customizing asset allocations, and he worked comprehensively, advising clients on investments and retirement, estate and tax planning.
He has a bachelor’s degree in business administration from The University of Florida.
In 2022, Patrick was named to the Forbes’ Best-In-State Wealth Advisors list, ranking #113 in Ohio.
In his spare time, Patrick enjoys road biking, mountain biking, boating, waterskiing and watching his three kids’ sporting events.
Best-In-State: Advisors are selected for the Forbes rankings by SHOOK Research. Rankings for were published in April 2022, and were based on June 30th data, including 1- and 5-year periods. The ranking is based on an algorithm of qualitative and quantitative data, rating thousands of wealth advisors with a minimum of seven years of experience and weighing factors like revenue trends, assets under management, compliance records, industry experience, and best practices learned through telephone and in-person interviews. Portfolio performance is not a criterion due to varying client objectives and a lack of audited data. The ranking is not indicative of future performance, and there is no guarantee of future success. For additional information, visit www.forbes.com.
National Managing Director, Wealth Consulting
Keith is a CERTIFIED FINANCIAL PLANNER™ professional.
Keith focuses on the client experience and developing associate talent at several of our locations. He is responsible for strategy and operational execution in these locations, as well as identifying and opening new offices. He also specializes in helping corporate executives and business owners navigate the various complexities that impact their families and long-term financial goals.
Prior to joining Mariner Wealth Advisors, Keith spent six years as a lead financial advisor at Capstone Financial Advisors. In that role, he advised clients through the financial planning process, including tax planning, wealth transfer strategies, small-business planning and investment management. While at Capstone, he became a partner and served on the firm’s management committee, where he helped direct strategy related to growth initiatives and new client acquisitions. Before serving as a lead financial advisor, Keith was a financial analyst at Capstone. He also completed a two-year internship as a financial analyst in the Public Finance Department at Robert W. Baird & Co.
Keith has a bachelor’s degree in accounting and finance from North Central College.
In 2021, Keith was named to Forbes’ Best-In-State Wealth Advisors list, ranking #39 in Illinois. In addition, Keith was ranked #15 on the Forbes 2020 Top Next-Gen Wealth Advisors list.
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