Marc Lowe, CFP®
Helping Business Owners Retire like a 9 to 5'er | Fee-Only | Fiduciary
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Serving Clients Nationwide
Helping Business Owners Retire like a 9 to 5'er | Fee-Only | Fiduciary
Areas of Focus
- Business Owners
- Business Transitions
- Cash Flow
- Estate Planning
- Exit Planning
- Health Care Planning
- Investment Management
- Retirement Income Planning
- Social Security Optimization
- Tax-Efficient Planning
About Marc Lowe, CFP®
Hi, I’m Marc Lowe, CFP®, Founder of In The Money Retirement Planning.At 33, I decided to quit the mainstream finance world.
Early in my career, I lost a few businesses and decided to hone my skills in financial planning to create the business financial planner I needed back then. I was consistently approached by financial advisors who only wanted to manage a business retirement plan or extend me credit. They didn't have the ability to help with my biggest asset, my business. As time went on, the business I was in at 22, the restaurant business, had worn me down. The problem was that I needed someone in my corner to help me get out of this rut.
Someone to direct me on how much time I should be allocating to developing systems, reducing risk in key areas, and developing different cash flow scenarios so that I could see how to drive profitability to grow my business.
If only I had someone able to direct me before I ran into burnout, I would have kept the business going.
In The Money Retirement Planning was created to change that.
Today, I work with business owners and families who are within 15 years of retirement and want a comprehensive plan that helps drive value into their business and integrates it with their tax strategy & retirement investments.
As the Lead Advisor, I oversee all aspects of financial planning and investment management for my clients.
I help business owners:
▪️ Lower their lifetime tax burden
▪️ Reduce Risk within their business
▪️ Make informed decisions around cash flows for the business
▪️ Negotiate with lenders when their business hits hard times.
▪️ Build investment portfolios aligned with their retirement goals and risk tolerance.
My Philosophy
▪️ Planning is the foundation of a successful business.
▪️ Long-term success comes from small financial decisions made consistently over time.
▪️ Taxes are often the largest lifetime expense and should be managed proactively.
▪️ Investment management is only one piece of a successful retirement plan.
Before founding In The Money Retirement Planning, I was a financial advisor at Fisher Investments, where I managed relationships with more than 200 clients. Prior to Fisher, I worked with Charles Schwab's Advisory Services platform and in private wealth management at Spartan Capital. Those experiences shaped my planning-first approach and deepened my expertise in retirement planning and tax-efficient investing.
On a Personal Note
I'm a husband and father of three, active in youth sports mentorship and community involvement. In my free time, I enjoy boxing, basketball, golf, vinyl records, classic music, and Guyanese cuisine.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
Affiliations
-
CFP Board
- XY Planning Network
Primary Location
161 Boston Post Rd suite 4 office 5, Waterford, CT 06385, USA
Video
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Offers Advice-Only Services
- Percentage of Assets Managed
- Subscription
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a free introductory conversation. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.Offers Investment Management
Yes
About In The Money Retirement Planning
In The Money Retirement Planning is a fee-only, fiduciary Registered Investment Adviser based in Waterford, Connecticut, serving pre-retirees and small business owners throughout New England and beyond. As fiduciaries, we are legally and ethically bound to act in our clients' best interest, and our recommendations are objective, transparent, and free from commission-based conflicts.Who We Serve
We work primarily with pre-retirees who are within about 15 years of leaving the workforce and small business owners who have been established for at least three years. Many of our clients are transitioning from late-career demands or business ownership into a retirement funded by years of sacrifice, and we help them build a plan and put it into action.
Small Business Owners in Construction | Small Business Owners in Manufacturing | Digital Solopreneurs | Families of Pfizer | Families of General Dynamics Electric Boat | Families of Reworld Waste Solutions | Consultants in Tech | University Staff Members | Medical Directors
Our Services
Our services span financial planning and investment management, including retirement income planning, tax planning, business exit and succession planning, and business retirement plan design such as 401(k) and SEP IRA options. We take the time to understand each client's values, priorities, and life circumstances before making any recommendations, and we view investment management as part of a broader financial plan rather than a stand-alone service.
Transparent Pricing
We are a fee-only firm — we do not receive commissions, accept referral fees, or get paid to recommend one product over another. Pricing depends on the scope of the engagement, and clients only pay for the planning they actually need. If we manage your investments, we charge 0.75%–1.25% annually, billed quarterly, based on assets. For Financial Planning-Only clients: I bill a monthly subscription price ranging from $99-$1,000 based on the complexity of the plan.
Investment advisory services are offered through In The Money Retirement Planning LLC, a Registered Investment Adviser.
Education
Northeastern University, Bachelor of Science, Psychology
Hobbies and Interests
- Basketball
- Boxing
- Family
- Golf
- Music
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Business Owners
- Couples
- Entrepreneurs
- Families
- Gen X
- Intergenerational Families
- Living in Retirement
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