Wealth Management for Pinecrest Families

Pinecrest is a village of about 19,000 people, and most of the wealth here was built years ago. The practice matured. The house off Red Road got paid down. The portfolio became the largest line on the balance sheet. The questions now are about structure, taxes, and the handoff. That is the work we do.

Look at who lives in 33156. Physicians. Attorneys. Practice owners. Families who have been in the village twenty years, whose kids came up through the Palmetto, Gulliver, and Ransom Everglades feeders. Income is not the problem. The problem is a balance sheet that got complicated — concentrated positions, embedded gains, a practice that may or may not sell, an estate plan drafted a decade ago.

What does that kind of household actually need? Not another product. It needs the whole picture laid out — accounts, entities, plan documents, titling — and the decisions put in order. Most of them have never been on one page.

We are close. Our office is at 16132 SW 74th Place in the 33157 corridor, a short drive south of the village on US-1 or Red Road. Many of the households we advise are within a few miles of Pinecrest Gardens.

What the work usually looks like

Portfolios built over twenty years

A portfolio assembled over two decades is a stack of old decisions, not a design. A position bought in 2009 that grew into a fifth of the account. Embedded gains that make selling expensive. Three custodians, five accounts, no single allocation. The first job is an inventory. What is actually owned, where it sits, and what it would cost in taxes to change. Only after that does allocation work mean anything. We quantify concentration and tax cost in dollars before we discuss changing a single position. The order matters.

Practice owners and qualified plans

Physicians and attorneys in Pinecrest often own the practice too. That raises a specific set of questions. Which plan — SEP, 401(k) with profit sharing, cash balance? How does the contribution structure treat owners versus staff? Is the practice itself saleable, and does the household plan depend on that answer? These decisions usually get made once, at formation, and then sit untouched for years. We review the plan documents, the entity structure, and the personal balance sheet as one system. Business finances and household finances are separable problems. The work treats them that way.

Estate documents and the handoff

Most established Pinecrest households have wills and maybe a revocable trust. Fewer have checked whether the documents still match the balance sheet. Beneficiary designations from a prior decade. Accounts titled outside the trust. A homestead question nobody has asked. Estate work here is sequencing — which assets move, when, to whom, and how prepared the recipients are. We coordinate with your estate attorney and CPA. We do not duplicate them. The target is a set of documents, titles, and designations that agree with each other.

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

Is Maredin Wealth Advisors a fiduciary?

Maredin Wealth Advisors 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. We are independent — founded in 2005, not affiliated with a broker-dealer, a bank, or a fund company, and we have no proprietary products to place. Specific fees, compensation arrangements, and conflicts of interest are described in our Form ADV Part 2A, which we provide before any engagement begins.

Do you work with physicians and practice owners?

Yes. A large share of the Pinecrest households we advise are physicians, attorneys, and practice owners. The recurring work is qualified plan design — SEP, 401(k), cash balance — plus keeping entity and personal finances separate and thinking through what eventually happens to the practice. We treat the practice as one asset on a larger balance sheet, because that is what it is.

Where is your office relative to Pinecrest?

Close. We are at 16132 SW 74th Place, Miami, FL 33157, a short drive south of the village on US-1 or Red Road. We serve households across 33156, 33143, and 33176, plus Palmetto Bay, Coral Gables, South Miami, and the surrounding South Miami-Dade communities. Meetings are by appointment.

How do I start a conversation?

Call 305-773-5308 or email marcelo@maredin.com. Meetings are at 16132 SW 74th Place, Miami, FL 33157, by appointment. The first conversation is an introduction, not a pitch. Bring your statements or bring nothing. Either works. The purpose is to establish whether the fit is right in both directions.