Marianne Martini Nolte is a Certified Financial Planner™ practitioner and a fee-only, financial advisor. Imagine Financial Services (IFS) is located in Fallbrook, California. Clients are served both in-person and virtually. Client accounts are held at TD Ameritrade and Altruist.
Welcome to Imagine Financial Services!
I'm Marianne Martini Nolte, Certified Financial Planner™ (CFP®) professional and founder of Imagine Financial Services (IFS), located in Fallbrook, California, serving clients both in person and virtually, locally and across the country. IFS is a Registered Investment Advisor and fee-only fiduciary firm. At IFS, I believe in cost transparency, working with a client's best interests at heart, and providing a consistent process for all clients. I am a participating member of National Association of Personal Financial Advisors (NAPFA), Fee-Only Network, and XYPlanning Network.
Who I serve
Imagine Financial Services helps Women and Young Professionals to have a confident and empowered relationship with their money.
I assist women in all ages and stages of life. I want them to better understand their money and how it can be used as a tool to craft their best financial future. I enjoy educating women so they feel empowered to make good financial decisions. As a woman, I understand and sympathize with other women. I have witnessed women struggling with the inequality of pay and the stresses generated by the caretaking of parents while raising one's own children. It is a delicate balancing act to fulfill the role of motherhood, worker, and family financier. I understand and I help women who need the protection of assets before marriage, fair representation after divorce, and continued consultation after the death of a spouse.
Additionally, I work with young people who are beginning their financial journey. Personal finance is not taught in school and too often, families avoided the topic of finance altogether.
I am an educator, sounding board, and advisor for Women and future generations.
What is a Fee-only and Fiduciary?
As a Fee-only advisor, I am exclusively paid a fee for services by my clients. My firm is an independent Registered Investment Advisor; therefore, I am not beholding to an employer (broker-dealer) who incentivizes employees by paying commissions to sell financial products. The Securities and Exchange Commission (SEC) regulates broker-dealers, and they are required to abide by suitability standards, but they are not required to be fiduciaries. I charge a fee for financial planning and/or a fee based on the percentage of assets I manage for my clients. I must disclose how I am compensated and any potential conflicts of interest.
As a Fiduciary, I am legally obligated to make my clients' best interests my top priority. Again, I must disclose how I am compensated and any potential conflicts of interest. Additionally, to obtain and maintain my Certified Financial Planner ™ designation, I am dedicated to fulfilling the CFP Board's highest fiduciary standard requirements. I choose my clients' best interests above all else.
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Marianne M Nolte, CFP®