Wealth Management for South Kendall Business Owners

South Kendall runs on closely held businesses. Contractors in 33186. Distributors off Kendall Drive. Medical and dental groups around Baptist Hospital. Each one has real revenue, real employees, and an owner whose net worth is mostly locked inside the company. Maredin was founded by a family of entrepreneurs. We know that balance sheet. We were raised on it.

Here is the problem, stated plainly. One asset — illiquid, undiversified, operationally demanding — is most of your balance sheet. Everything else sits downstream of it. The retirement date. The estate plan. How much risk the portfolio can carry. None of those questions gets a real answer until the question about the business gets one.

Why start years early? Because the two problems buyers discount hardest — key-person risk and books a buyer has to take on faith — take years to fix, not months. A letter of intent is not the beginning of exit planning. It is close to the end. So we organize the work in three stages, each with its own window.

Maredin was founded in 2005. Independent. Fee-based. No broker-dealer behind us and no product waiting at the end of the conversation. The firm is registered with the Florida Office of Financial Regulation, and the work described below is what we do, week after week, for owners across 33176, 33186, and 33183.

What the work usually looks like

Stage 1: Wealth outside the company (5+ years out)

The goal is simple to state. Build wealth the company does not control. For a profitable closely held business, the retirement plan is the main lever. A SEP works for some owners. A 401(k) with profit sharing works for more. A cash balance plan stacked on top can raise the annual contribution limit substantially, depending on age and payroll. Which design fits depends on the employee census, the margin, and how much profit the owner can commit each year. That is engineering, not product selection. It starts with the census and the tax return.

Stage 2: A business that runs without you (1–3 years out)

Buyers pay for a company that runs without its owner. Most closely held businesses in Kendall do not, yet. That is key-person risk, and it takes years to reduce — managers hired, customer relationships handed off, processes written down. The books need the same lead time. Personal expenses running through the company become adjustments to EBITDA, and every adjustment a buyer must take on faith weakens the number. Two or three years of clean financials answer those questions before they are asked. We coordinate this work with your CPA. None of it is a closing-week project.

Stage 3: The letter of intent (the final year)

A letter of intent changes the tempo. Diligence starts. Exclusivity starts. And the personal questions get concrete: what the household needs from the proceeds, how an installment sale or an earnout changes the tax picture, where the estate plan holds what comes out. Our job in this window is the personal balance sheet. We model the household's needs against the range of possible terms, so the decision to sign — or to walk — rests on numbers, not nerve. The attorney negotiates the deal. Our work is knowing what the deal has to do.

How we are set up

Maredin is independent. Founded in 2005, based in Miami. No broker-dealer parent, no bank, no fund company, no proprietary product to place. We advise a limited number of relationships. That is a constraint on the business and the reason the work can be built around one household instead of assembled from a template.

Common questions

Do I need to be ready to sell my business before talking to Maredin?

No. Most of the owners we work with are years from any transaction, and some never sell — they transfer to family or hold the company for income. The three-stage work described above starts well before any decision is made. Starting early is the point. Stage 1 and Stage 2 only exist if there is time to do them.

Is Maredin Wealth Advisors a fiduciary?

Maredin is an investment adviser registered with the Florida Office of Financial Regulation and acts in a fiduciary capacity for its advisory clients. Registration does not imply a certain level of skill or training. The principal is Marcelo Zinn, CRD 3168985. Our Form ADV Part 2A brochure is available on request.

How is Maredin paid?

We are fee-based and independent. No fund company or broker-dealer stands behind the firm, and we have no proprietary product to place. Fees, compensation arrangements, and conflicts of interest are described in our Form ADV Part 2A, which we deliver before any engagement begins. If a fee is not in that document, we do not charge it.

Where is Maredin's office relative to Kendall?

The office is at 16132 SW 74th Place, Miami, FL 33157 — south of the Kendall area, off US-1 past Dadeland. Meetings are by appointment. Call 305-773-5308 or email marcelo@maredin.com to schedule one.

How do I start a conversation?

Call 305-773-5308 or email marcelo@maredin.com. The office is at 16132 SW 74th Place, Miami, FL 33157, and the first meeting is by appointment. Expect questions, not a pitch: how the business earns, who depends on whom, what the timeline looks like. That first conversation commits you to nothing.