An independent fiduciary exposes the overlooked fee structure many advisors never discuss.
No obligation • 45-60 minutes • For qualified pre-retirees & retirees
Inside the Free Training
Darren Crume, co-owner of Marathon Capital Management, reveals three critical things every California retiree needs to know.
The fee structure quietly draining retirement accounts across California — and why many advisors rarely bring it up.
Three industry practices that may be working against your financial goals while you’re paying full fees.
Marathon Capital’s proprietary process designed to identify fee reduction opportunities and align your investment strategy with your retirement goals.
Why an independent fiduciary structure may offer meaningful advantages over big-brand alternatives.
The Hidden Threats to Your Retirement
These issues are often overlooked in traditional advisory relationships — and the financial impact compounds over time.
Most large firms use ”set it and forget it” strategies that can’t adapt to changing market conditions. Passive portfolios ride the waves up AND down with no active risk management — while you pay full fees.
At large wirehouses, your experienced advisor acquires assets while your money is managed by a separate department — or outsourced entirely. When markets shift rapidly, nobody who knows your situation is making adjustments.
Many firms incentivize managers to use high-fee funds and sell commission-generating products. This creates a fundamental conflict between what’s best for you and what’s most profitable for them.
A Forbes study reveals a seemingly small 1% additional fee on a $500,000 portfolio compounds to over $280,000 in lost wealth over 30 years. SmartAsset research shows the average all-in cost runs 1.65% annually — far more than most realize.
The Marathon Capital Difference
Four pillars of independent advantage that address every wealth destroyer simultaneously.
No conflicts of interest. No commission incentives. As a registered fiduciary, we’re legally bound to act in your best interest — every single decision.
Real-time portfolio adjustments based on market conditions. No passive “set it and forget it” approach that may not adapt to changing market conditions.
You work directly with our co-owners — Darren and Kim — not junior staff or separate departments. Over 60 years of collective experience guides every decision.
We quarterback your entire financial life: investments, tax planning, estate planning, insurance, and retirement income strategies — all coordinated as one system.
The Retirement Drag Detox™ Process
We analyze your current investment structure, calculate your total fee burden (visible and hidden), and show you exactly how much the current approach is costing you in lost compound growth.
We present a clear comparison of your current approach versus our active management system — real numbers, not projections based on hope.
We create a preliminary retirement income strategy tailored to your goals, timeline, and risk tolerance — identifying specific opportunities to reduce fees while improving outcomes.
Once you become a client, we actively monitor and adjust your portfolio as conditions change. Complete transparency at every step — you always know what we’re doing and why.
IS THIS RIGHT FOR YOU?
Common Questions
We’ll review your current investments, analyze your total fee structure (including hidden fees), and show you specific opportunities for improvement. It’s purely educational with no pressure to become a client.
Absolutely none. This is a complimentary, educational consultation. We provide valuable insights whether you become a client or not. Your information remains completely confidential.
The strategy session takes approximately 45-60 minutes. We can meet in person at our Huntington Beach office or via secure video conference — whichever is more convenient for you.
You’ll work directly with Darren and potentially Kim — our co-owners and senior advisors. We do not hand you off to junior staff for consultations.
Our average all-in fee is 0.8% — significantly below the industry average of 1.65%. We require a minimum of $250,000 in investable assets. All fees are clearly disclosed during your consultation.
We are an independent registered investment advisor with no conflicts of interest. We actively manage portfolios, you work directly with senior advisors, and we act as your “Personal CFO” coordinating investments, taxes, estate planning, insurance, and retirement income — all in one place.
Yes. As a registered investment advisor, we are legally required to act in your best interest at all times. No commission incentives, no conflicts of interest. Our regulatory history is available through FINRA BrokerCheck.
We primarily serve Orange and San Bernardino Counties in California, with clients across the western US. Licensed in CA, TX, AZ, and OR. Remote consultations are available.
Book your free “Live the Life You Planned” Strategy Session and discover exactly what you’re paying, what you’re getting, and how to protect the retirement you’ve worked your entire life to build.
For pre-retirees & retirees with $250,000+ in investable assets • Limited availability