Frequently asked questions

Is Marin Financial an independent RIA?

Yes. Marin Financial LLC is an independently owned, state-registered investment adviser (CRD 325239). It is not a bank, broker-dealer, or wirehouse affiliate.

Is Marin Financial a Registered Investment Adviser?

Yes. Marin Financial LLC is registered as an investment adviser with state securities regulators. It is not registered with the SEC. See IAPD CRD 325239: https://adviserinfo.sec.gov/firm/summary/325239

Is Marin Financial in Marin County, California?

No. The principal office is in Lancaster, Pennsylvania. We are not affiliated with Marin Financial Advisors, LLC of Larkspur, California (CRD 135872).

Is Marin Financial fee-only?

No. Advisory fees are paid by clients. Brian Tribbitt may also earn insurance commissions, so the correct term is fee-based, not fee-only.

Is Marin Financial a fiduciary?

When we provide investment advice as an RIA, yes — we have a fiduciary duty to clients. As a CFP® professional, Brian also commits to a fiduciary standard when providing financial advice and financial planning. Insurance sales, if any, are a separate capacity and a disclosed conflict.

Are you a broker or dual-registered?

No. Marin Financial LLC is not a broker-dealer, and Brian is not currently a registered representative of a broker-dealer.

Who do you serve?

Individuals, families, trusts, estates, charitable organizations, and retirement plan sponsors, in jurisdictions where we are registered or permitted.

How are you paid?

Asset management: no more than 1% per year on assets we manage, billed quarterly in arrears. Financial planning: $250 per hour. ERISA plan services: not more than 0.5% of included assets. Lower fees may be available elsewhere. Full detail is in Form ADV Item 5.

How do I verify the firm?

Search CRD 325239 at adviserinfo.sec.gov. Brian’s individual CRD is 7186144. Verify CFP® status at cfp.net.