Reflections & Resilience: Fineberg Financial Management’s Wise Money Move for 2025
Dear Clients, Partners, and Friends,
As we step into mid-Q1 2025, I want to express my heartfelt gratitude for your trust in Fineberg Financial Management (FFM). Together, we’ve built a financial journey rooted in purpose, resilience, security and innovation. This past year has been filled with growth and reflection as we continue to tailor thoughtful investment strategies that align with your unique financial goals.
Leading an independent boutique firm like FFM requires unwavering dedication and a steadfast commitment to your success. My mission has always been deeply personal: to empower you to achieve financial independence and flexibility, whether for retirement, seizing opportunities, or building a legacy. Every step we take is driven by this shared vision.
2024: A Year of Growth and Innovation
This past year, FFM reached remarkable milestones, serving over 70 clientele with asset management for personal and business purposes and further establishing ourselves as a multi-million-dollar independent RIA. Here are some highlights:
Expanded Team: We proudly welcomed Rita Jones, our new paraplanner. Rita enhances our planning process by conducting in-depth research, preparing case analyses, and reviewing financial scenarios tailored to your specific needs. She works behind the scenes to ensure precision and efficiency, enabling me to focus more on building meaningful connections with you.
A paraplanner supports CFP® professionals by preparing financial plans, conducting research, and managing client data, allowing CFP® practitioners to focus on client relationships and strategic decision-making.
Cutting-Edge Technology: We introduced Right Capital Financial Planning software, offering interactive, real-time financial planning, retirement planning, and investment portfolio modeling. This intuitive tool empowers you to visualize your goals and track progress with confidence. We look forward to working with you on your personalized Right Capital account access (optional and added value).
Additionally, FFM is a leader in utilizing our secure client portal for sharing documents and providing custom performance reporting, making it seamless and easy to do business. We are happy to conduct client demos and navigations during our reviews to ensure you feel comfortable with these cutting-edge tools. We conduct due diligence on our vendors, partners, are fully covered by cyber insurance and review safeguarding data systems regularly. FFM Secure Client Portal Link:https://main.yhlsoft.com/auth/users/webportal/FFM
Innovative Investment Offerings: FFM became one of the select firms offering Direct Indexing along with Separate Managed Accounts (SMAs) "think of it as a sophisticated version of day trading with individual stocks and bonds” through Charles Schwab custodian, designed to be tax-efficient and highly personalized.
Additionally, we expanded our SMA offerings through partnerships with leading asset managers such as T. Rowe Price, BlackRock, and Zacks Investment Management, negotiating favorable fee structures to benefit you. These strategies align with our commitment to delivering tailored solutions for every client, whether you’re exploring SMAs or other approaches like mutual funds or ETFs.
What’s New for 2025: Innovating for a Stronger Future
In 2025, we aim to deliver even greater value with enhanced personalization and innovation:
Capital Group Direct Mutual Fund Contract: We’ve partnered with Capital Group, the parent company of American Funds, to provide tailored retirement solutions for small businesses, including SEP IRAs, SIMPLE IRAs, 401(k)s, and 529 plans.
More Enhanced Boutique SMA Partnerships: We’ve expanded access to high-quality, boutique equity and fixed-income managers like Wassermann Schroeder, and Multi-asset Strategy Managers like GeoWealth providing diversified, customized allocation strategies for your growth, income needs and risk preferences.
Adding Secure Communication Tools: In Q1, we’re introducing an industry-compliant texting platform, ensuring secure and convenient communication with our clientele and partners. Whether you have a quick question or need timely advice, this tool allows us to stay connected as seamlessly as a family text exchange.
Marah Money Move Line: A new client-friendly text line approved for business communications: Text Marah now at (562) 228-1988 for any business need. While we still want to maintain personal security, this will make it easier for you to communicate with us in the same way you communicate with family. The same rules apply as email data sharing, we will always voice verify with you prior to moving money in and out of your accounts.
Steadfast Investment Research: Through Morningstar’s independent research tools, we’ll continue evaluating external asset managers, ensuring every portfolio decision reflects thorough due diligence and forward-thinking insight.
By Referral Only- Trusted Connections Welcome: As a boutique firm, we’ve shifted to only taking referrals exclusively from those we know. This ensures we dedicate the time and resources required to deliver highly customized solutions for every client. If you’d like to refer someone, simply email Marah at marah@finebergfinancial.com, or share Marah’s Money Move Text Line: (562) 228-1988. Happy to be a resource to those you know and care about.
Market Insights for 2025
As we navigate this year, staying the course is essential for long term investors with strategic asset allocations and review tactical rebalances given this new Presidential cycle. Historical trends show that even during market downturns, recovery often follows. Here’s what we’re watching:
Inflation & Interest Rates: Inflation appears to be stabilizing, though employment data may influence potential rate hikes or cuts.
Valuations: Stocks are more expensive compared to last year, while declining bond yields present new diversification opportunities. We still think equities will hedge inflation best long term.
Value Stocks: Value stocks are becoming increasingly attractive, aligning with our evidence-based investment strategies. Markets are rethinking valuations and future investments.
Portfolio Sensitivity: We continue to monitor market shifts and economic data, ensuring your portfolio adapts with precision and care. It’s a reminder that staying adaptable is key in a fast-moving market.
Women’s Wealth Symposium- A Legacy of Empowerment
In 2015, I founded the Women’s Wealth Symposium (WWS, initially Women’s Symposium of Southern California), a 501(c)(3) nonprofit dedicated to financial literacy and empowering women. Its first annual symposium, open to the public without barriers, was hosted in honor of International Women’s Day on March 8, 2016. It has withstood the test of time through 100% volunteer and pro bono professional work and fundraising bringing together both public and private sectors.
This year, WWS transitions to new leadership under LeadHERship Global, a change that allows me to focus more deeply on FFM and my family. While bittersweet, I’m thrilled to see this legacy continue. As we approach International Women’s Day, we honor this year’s theme: #AccelerateAction. And That’s What I’m Doing Here—a call to empower, inspire, and lead with purpose.
At the Women’s Wealth Symposium, our legacy has always been about empowerment, not just for women but for everyone invested in shaping a brighter future. This transition is a reflection of that commitment: to pave the way forward, ensuring the conversations we started years ago continue to thrive under new leadership.
The 9th Annual Symposium will be broadcast live streamed from Dallas, Texas, on March 8, 2025, in honor of International Women’s Day. FFM remains a proud sponsor, and I will continue to serve on their advisory council. Learn more at LeadHERship Global’s event page: https://leadhershipglobal.com/wws-event
Looking Ahead to 2025- Your Success, Our Mission
As we move forward, I’m excited about the opportunities this year will bring and the chance to continue guiding you on your financial journey. Whether we connect first or you reach out to us, know that we are here ready to support, strategize, and navigate the evolving landscape together. If we haven’t spoken recently, I encourage you to schedule your account review so we can ensure your financial plan remains aligned with your goals. Thank you for your trust, your partnership, and the privilege of being part of your success. Here’s to a prosperous and fulfilling 2025!
Best wishes,
Marah Fineberg-Kuck, CFP®
President/CEO
Fineberg Financial Management LLC
No advice may be rendered by Fineberg Financial Management LLC unless a client service agreement is in place. Advisory services are only offered to clients or prospective clients where Fineberg Financial Management LLC and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. The opinions expressed herein are not necessarily that of Private Client Services LLC and should not be construed as investment advice.