Guided by

honesty and integrity.

Built on trust and expertise.

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We created

Martello
Retirement
& Wealth

to be the firm
we’d want to
handle our mothers’ retirements.

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We explain financial
concepts at your
level
of understanding.

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We will never
talk down to you.

Our goal is for you to understand.

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We offer an inclusive, judgment-free environment.

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We reject the sales and brokerage culture.

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We are trustworthy, highly educated, and experienced.

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No conflicts of interest.

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We guarantee strict confidentiality in all matters.

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No hidden charges.

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You maintain full control over your money and decisions.

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We don't sell insurance or mutual funds.

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We ensure all strategies comply with current tax laws.

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We do not engage in timeshare sales or use high-pressure tactics.

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We provide honest comparisons with other advisory firms to help you make the best decision.

Founded on

Four Key Principles

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Independent Ownership

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Certified Fiduciaries

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Fee-Only

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Highly Credentialed

Independent

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Independent

When wealth firms are
part of a bank or have been
bought out by private equity,
every metric feeds
into a financial statement,
which must show growth.

The pressure is on
to start treating clients as
inputs to the bottom line.

This client dynamic doesn't fit
with our morals,
and we will never sacrifice
our clients’ needs
in the furtherance of our
own financials.

Fiduciary

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Fiduciary

Unlike most financial
professionals, we have a
legal and ethical responsibility
to act solely
in your best interest.

As fiduciaries,
we are committed to
prioritizing your needs
above our own.

You can trust that every
recommendation we make
is designed to serve your goals,
ensuring that your interests
always come first.

Fee-Only

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Fee-Only

We are fee-only,
which means that we can
only sell advice.

We do not collect commissions,
sell mutual funds, or
collect referral fees.

Think of it as "no hidden
fees and no conflicts."
Confusingly,
the opposite of "fee-only"
is called “fee-based,”
which means they CAN collect
those kickbacks.

Those kickbacks always cost
you something -
wether it's
through higher prices and fees,
or compromised financial planning.

Credentialed

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Credentialed

The financial industry is full
of designations, but not
all are created equal.

The truth is that it's hard
to get the good
designations,

and many watered-down
substitutes became available
to solve this problem.

The truth is that it's hard to get the good designations,
and many watered-down substitutes
became available to solve this problem.

How can you be sure
your advisor didn’t just spend
a couple of hours online to earn
those letters after their name?

We understand that navigating
this complexity isn’t easy.

That’s why we’re committed
to genuine, rigorous advisor
education
—because we
believe that deep, meaningful
knowledge makes a real
difference in our clients' lives.

We approach every
financial decision

with care, respect,
and diligence.

With honesty and
transparency at the heart of

everything we do, we are
committed to guiding you
through a worry free
retirement and beyond.