Frequently Asked Questions

Direct answers about how this firm is structured, how it is paid, what it does, and how to check any of it yourself. If your question is not here, call 305-773-5308.

What is Maredin Wealth Advisors?

Maredin Wealth Advisors is an independent wealth management firm in Miami, Florida. Founded in 2005. We advise families, professionals, and business owners on investments, retirement and qualified plans, estate coordination, and business transitions. The firm is an investment adviser registered with the Florida Office of Financial Regulation.

Where is Maredin Wealth Advisors located?

16132 SW 74th Place, Miami, FL 33157 — the corridor between Palmetto Bay and Cutler Bay. Meetings are by appointment. Call 305-773-5308 to set one up.

What areas does Maredin serve?

South Miami-Dade. Pinecrest, Palmetto Bay, Cutler Bay, South Kendall, South Miami, and Coral Gables, plus the rest of greater Miami-Dade. We work with households and business owners across the county.

Who runs Maredin Wealth Advisors?

Marcelo Zinn, President and Founder. His full public record is filed under CRD number 3168985 — look it up at adviserinfo.sec.gov or on FINRA BrokerCheck. The team behind him includes advisers and analysts covering research, planning, and portfolio management.

Is Maredin Wealth Advisors independent?

Yes. No bank parent. No broker-dealer parent. No fund company parent. We don't sell proprietary products, so there is no house product to push. Note that independence and fiduciary status are two different questions — one is about who owns the firm, the other is about the firm's legal duty to you. The next answer covers the second.

Is Maredin Wealth Advisors a fiduciary?

Yes, with respect to our advisory clients. Maredin is a registered investment adviser. That means we are obligated to act in the client's interest and to disclose material conflicts of interest. Registration does not imply a certain level of skill or training.

How does Maredin get paid?

Fees, not commissions. Maredin runs a planning-first, fee-based model. The specifics — fee schedules, billing, compensation, and conflicts of interest — are spelled out in Form ADV Part 2A, and Item 5 of that document covers fees directly. You receive it before any engagement begins.

What is the minimum to become a client of Maredin?

There is no single published minimum. Fit depends on complexity as well as assets. A household with a closely held business, a qualified plan, and an open estate question can be a better fit than a larger account with none of those. Any minimums and conditions are disclosed in Form ADV Part 2A and covered in the first conversation.

What is Form ADV and why should I read it?

Form ADV is the disclosure document every registered investment adviser must file and deliver to clients. Part 2A — the brochure — describes services, fees, conflicts of interest, and disciplinary history in plain language. It is the most useful document you can read when evaluating an advisory firm. Read it before you hire anyone, including us.

What services does Maredin provide?

Five things. Investment and portfolio management. Financial planning and modeling. Retirement and qualified plan design, including plans for small employers. Estate and legacy planning, coordinated with your attorney and CPA. And business owner planning — preparing for a sale, an internal transfer, or a wind-down.

Does Maredin work with business owners?

Yes. The firm was founded by a family of entrepreneurs, and a large share of the work involves closely held businesses. Qualified plan design. Separating the personal balance sheet from the business balance sheet. Preparing for a transition — sale, internal transfer, or wind-down — well before it happens.

Does Maredin set up retirement plans for small businesses?

Yes. We advise small employers on retirement and qualified plans. That covers plan type selection — SEP, 401(k), cash balance — contribution structure, and the fiduciary responsibilities that come with sponsoring a plan.

Will Maredin work with my CPA and estate attorney?

Yes. We coordinate with them. We don't replace them. Maredin does not give tax or legal advice. The point is that your adviser, your CPA, and your attorney work from one set of facts instead of three.

What is Maredin's investment approach?

Research-driven and value-oriented. We analyze securities and macroeconomic cycles, then build the portfolio around a household's specific circumstances, not a model allocation. No approach eliminates the risk of loss, and past results do not indicate future outcomes.

Does Maredin use AI?

Yes, as a tool. We use technology, including AI-assisted tooling, in research, planning, and portfolio analysis. It is an input to adviser judgment, not a substitute for it. The fiduciary responsibility stays with the adviser, not the software.

What is the difference between an investment adviser and a broker?

An investment adviser gives advice and is held to a fiduciary standard by regulation. A broker-dealer representative facilitates transactions under a different standard. Some people are registered as both. In that case the standard depends on which capacity they are acting in at the time. Form ADV and FINRA BrokerCheck show exactly which registrations a person holds. Check.

How do I verify Maredin's registration?

Two places. The SEC's Investment Adviser Public Disclosure site at adviserinfo.sec.gov, or FINRA BrokerCheck. Search the firm name or CRD number 3168985 for Marcelo Zinn. Do this with any firm you are considering, not just this one.

What happens in a first meeting with Maredin?

A conversation, not a pitch. We ask about your situation. You ask about the firm. The point is to find out whether the fit works in both directions. No recommendations get made before we understand the circumstances and you have received the required disclosures, including Form ADV Part 2A.

How do I contact Maredin Wealth Advisors?

Call 305-773-5308 or email marcelo@maredin.com. The office is at 16132 SW 74th Place, Miami, FL 33157. Meetings are by appointment.