Mark O’Brien started his financial services career as an independent representative of a major broker-dealer in Larkspur, California. However, he quickly saw the value of affiliating with an independent broker-dealer where he had more independence in offering his clients objective financial advice without pressure to sell the company’s products. Mark earned his Certified Financial Planner® (CFP®) designation and joined an independent office of The Strategic Financial Alliance, which allows him to receive access to support, resources and investment service platforms.
After working with clients for several years, Mark identified a pressing need among clients nearing and entering retirement to create streams of income and to support their desired lifestyle in retirement. He wanted to fill the gap between focusing on asset accumulation and having a plan for distributing those assets in retirement. He pursued a Retirement Income Certified Professional® (RICP®) designation, making him an expert in this specialized planning area.
With his RICP, Mark became a sole practitioner, specializing in helping his clients create comprehensive retirement income plans. Mark specializes in creating custom retirement income plans that take into account all types of circumstances, including legal and tax issues that can greatly affect a plan if they are not addressed from the outset. His in-depth planning takes a close look at available sources of retirement income, Social Security issues, distribution options, and other available products, as well as health-care, health-insurance and long-term care costs.
Mark’s focus is on helping clients with their complete financial lives, not just their financial accounts, while addressing changes in their life situation and making sure they are prepared to meet the financial challenges of retirement.