A MariPau Wealth Management, LLC (“MariPau”) is an Indiana limited liability company founded
in 2020 by its principals, Caleb Collier, Benjamin Collier, and Jonah Collier. We are an
independent investment advisor firm registered with the SEC. Neither we, nor any of our associated
financial professionals, are affiliated with any broker-dealer firm or issuer of securities. We provide
tailored investment advice to our clients acting in a fiduciary capacity. Our principal offices are
located in Fort Wayne, Indiana.
The information contained in this brochure describes our investment advisory services, practices,
and fees. Please refer to the description of each investment advisory service listed below for
information on how we tailor our services to the needs of our clients. As used throughout this firm
brochure, the words “MariPau,” “firm,” “we,” “our,” and “us” refer to MariPau Wealth
Management, LLC and its investment advisor representatives (“IARs”), and the words “you,”
“your,” and “client” refer to you as either a client or prospective client of our firm.
Our investment advisory services are coordinated and delivered through a network of advisory
affiliates (“Advisory Affiliates”), some of whom may conduct investment advisory business under
their own independently owned business entity name or trade name. In these instances, the
Advisory Affiliate’s business entity name, trade name and/or logo will be used exclusively for
marketing purposes, and the investment advisory services you receive from the Advisory Affiliate
will be provided through MariPau. Specifically, the underlying financial advisors of each Advisory
Affiliate are registered as IARs of MariPau. The Advisory Affiliate’s underlying business entity is
independently owned and operated, not a registered investment advisor, and is not affiliated with
MariPau.
Prior to forming an investment advisor-client relationship with you, we may offer a complimentary
general consultation to discuss the nature of our service offerings and to determine the possibility
of a potential advisory relationship. Investment advisory services begin only after the client and
MariPau formalize their relationship in a written advisory agreement.
B C We offer a variety of investment advisory services to clients. Our investment advice is custom
tailored according to each client’s unique investor profile.
When you engage us for portfolio management services you will be required to deposit your assets
at an independent qualified custodian (“Custodian”), typically a licensed broker-dealer, banking or
savings institution, and grant us limited authority to buy and sell securities within your account on
a discretionary basis. This means that you will authorize MariPau and its IARs to implement our
investment recommendations (including the engagement and termination of third-party money
managers) directly within your account without obtaining your specific consent prior to each
transaction. On occasion, we may agree to manage client accounts on a non-discretionary basis.
Under a non-discretionary arrangement, we must obtain your approval for our investment
recommendations prior to implementing them within your account. However, we will have the
authority to periodically rebalance your account to maintain the initially agreed upon asset
allocation without your prior consent. Please see Item 16 of this brochure for more information on
our investment discretion policy.
Clients always have the ability to impose reasonable restrictions on our management of their
account(s), including the ability to instruct us not to purchase certain specific securities, types of
securities, industry sectors, and/or asset classes.
Our Advisory Affiliates may offer some or all of the following investment advisory services:
Portfolio Management Services. We offer ongoing and continuous portfolio management
services that are uniquely tailored to your financial circumstances and needs. We will consult with
you at inception and periodically thereafter, as necessary and appropriate, to gather information
regarding your financial goals, investment objectives, tolerance for risk, and time horizon for
investments. The information we typically request during this data gathering process will include,
among other items, your current and expected income level, tax information, investment
experience, current and expected cash needs, and your current portfolio construction and asset
allocation We will document your investment objectives and restrictions in our files, develop a
thorough understanding of your overall investor profile, and use it as the guide by which we will
manage your account(s). We will then recommend and present you with an initial investment
strategy and design, and upon your approval, implement and monitor a portfolio of investments
intended to align with your unique financial needs and goals.
Client portfolios are typically constructed utilizing some or all of the following instruments: mutual
funds, exchange traded funds (“ETFs”), structured notes, individual debt and equity securities,
insurance products (including fee-based annuities), cash and cash equivalents, but may include
other investments as appropriate for your investment profile.
As part of designing your portfolio, we may also recommend that certain third-party money
managers (each an “Independent Manager”) be engaged to provide discretionary management to
all or a portion of the assets deposited to your investment account(s) via “Separately Managed
Account” or “SMA” arrangements or, where multiple SMAs are combined into a single account
structure, a “Unified Managed Account” or “UMA” arrangement. Independent Manager
relationships may be structured in any of the following ways:
Via a turn-key asset management program or other investment platform offered by an
independent custodian, broker-dealer, or third-party investment advisor;
Via a direct contractual relationship between you and a specific Independent Manager
recommended by us; or
Via a direct relationship we maintain with an Independent Manager (each such Independent
Manager a “Sub-Advisor”).
You will be provided with the Form ADV Part 2A (or equivalent disclosures) for any recommended
Independent Manager(s) at or prior to the time they begin to provide advisory services to your
account. For Independent Managers accessed via a turn-key asset management program or direct
contractual relationship, you will typically be required to enter into a separate advisory agreement,
platform agreement, and/or trading authorization granting them discretionary authority to manage
your account. In the case of Sub-Advisor based relationships, we will directly delegate
discretionary trading authority permitting the Sub-Advisor to execute trades for your account
without obtaining your consent prior to each transaction.
Irrespective of the specific structure of the arrangement, we will continue to serve as your primary
advisor with respect to your SMAs/UMAs, monitoring their performance and their continued
suitability based on your unique investment needs and goals. We will also be responsible to update
the Independent Manager(s) engaged for your account regarding any changes in your financial
circumstances and will implement or recommend re-allocations of your assets between and
amongst Independent Managers when we believe such changes are in your best interests.
Following implementation of your initial investment portfolio, we will monitor the performance of
your account(s) on an ongoing basis and implement and/or recommend changes as needed or
appropriate, in consideration of current economic conditions, our market opinions and assumptions,
and your individual financial circumstances and goals. It is your ongoing responsibility to advise
us in writing of any changes to your financial circumstances which may have a material impact on
the design of your investment portfolio.
As part of our comprehensive approach to managing your wealth, clients who engage us for
portfolio management services may receive certain financial planning and consulting advice (in
line with the services described below) on a complimentary basis. However, additional fees for
these discrete services may apply in instances where we determine that we will need to devote
significant additional resources or time to research, analyze, and/or prepare the requested financial
planning or consulting recommendations for the client. Any additional charges for these ancillary
services will be agreed upon with the client in writing in advance. Please see the description of our
financial planning and consulting services below for more information.
Use of Pontera to Manage Certain Held-Away Accounts
Where requested by the client, our portfolio management services may include ongoing
discretionary investment management and monitoring with respect to certain held-away accounts
(e.g., employer sponsored retirement accounts) designated by the client. In order to manage certain
types of held-away accounts, we will utilize a third-party platform provided to us by Pontera
Solutions (respectively, the “Pontera Platform” and “Pontera”). If the client wishes to have MariPau
provide these services, the client will be required to execute Pontera’s end client agreement and
acknowledge receipt of Pontera’s privacy policies. We are not affiliated with Pontera in any way
and receive no compensation from Pontera in connection with our use of the Pontera Platform.
The Pontera Platform allows us to avoid having custody of client funds and securities since we do
not have direct access to client log-in credentials to affect the disposition of funds or securities from
the client’s held-away accounts. Where these services are requested, a link will be provided to the
client allowing MariPau access to the designated held-away account(s) via the Pontera Platform.
Once allowed access to such accounts, we will review the current account allocation, recommend
adjustments and rebalancing of the assets, and provide ongoing monitoring of the assets in
consideration of the client’s unique investment goals, needs, and limitations. Solely for purposes
of maintaining the integrity of MariPau’s link to the client’s designated held-away accounts via the
Pontera Platform and without disclosing the client’s separate log-in credentials to MariPau, client
agrees to promptly notify us of any changes to client’s username(s) and password(s) for such
accounts so that we can promptly re-establish, if necessary, our link.
Clients are advised that our management of accounts via the Pontera Platform is subject to the
limitations and restrictions imposed by the underlying sponsor, issuer, and/or custodian of the
client’s held-away assets. For example, our instructions to rebalance holdings within your held-
away account through the Pontera Platform may not be implemented by the account sponsor, issuer,
or custodian for up to one (1) business day or more following entry. We may also not be able
to
view real-time account value and holdings data over the Pontera Platform. Clients understand that
our investment of the assets held within such accounts is limited to allocation of the client’s assets
among the various investment options made available by the account sponsor, issuer, or custodian.
Upon entering into an agreement for advisory services with us, clients authorize us to use unrelated
third-party service providers (including, without limitation, Pontera) to service their account,
including billing and the deduction of fees from client accounts. Clients agree to allow us to share
non-public, personal information with these unrelated third-party service providers for the purpose
of administering and managing their accounts. We require unrelated third-party service providers
to execute a confidentiality agreement and to agree in writing not to share client information with
any unauthorized person or entity. The use of unrelated third-party service providers will not cause
the client to incur any additional fees. We pay unrelated third-party service providers (including
Pontera) for services out of the total advisory fee charged to the client.
Asset Management Programs and Investment Overlay Managers
For certain client assets or accounts, Advisor utilizes a turnkey asset management program through
Signal Advisors Wealth, LLC (“Signal” or the “Signal Platform”). The Signal Platform utilizes the
services of Atria Investments LLC d/b/a Adhesion Wealth Advisor Solutions (“Adhesion”). The
Signal Platform consists of model portfolio strategies comprised of individual equity securities,
mutual funds, exchange traded funds, fixed income securities, and other investments that may be
made available, as well as access to third-party money managers. Clients will not have a direct
contractual relationship with Signal, Adhesion, or any other investment strategist or third-party
money manager. Clients work directly with Advisor and its investment adviser representatives
(“Financial Professional”). Prior to investing in the Signal Platform, clients will consult with their
Financial Professional and enter into an investment management agreement with Advisor (the
“IMA”). Together, clients and their Financial Professionals determine the Signal Platform
investments and services that are appropriate for them based on their personal financial
circumstances. By signing the IMA, clients grant Advisor and Signal limited discretionary authority
to engage in the following activities on the client’s behalf:
• selection of managers, asset managers, fund strategists, third-party turnkey strategists,
fixed income managers, and other account management providers (collectively, “Account
Managers”);
• selection of model allocations and investment strategies or portfolio strategies;
• management of client investment accounts on the Signal Platform pursuant to each client’s
stated risk tolerance and investment objectives;
By executing the IMA, client further authorize the custodian to follow instructions provided by
Advisor and Signal to effect transactions, deduct fees directly from the client’s account, and
perform other actions necessary to service the client’s Signal Platform account.
Clients may also elect to utilize a Tax Overlay Portfolio Management (“Tax OPM”) service for an
additional fee. If elected, Adhesion will develop a tax strategy for client’s Signal Platform
account(s) based on the information and instructions provided by Advisor on behalf of the client.
Neither Adhesion nor Signal provide general tax advice, prepare tax returns, or general tax-
planning services. The Tax OPM seeks to reduce the overall tax burden of the accounts on the
Signal Platform while aiming to maintain the risk and return characteristics of the model portfolios
managed by Adhesion Account Managers. Clients utilizing Tax OPM services are required to
provide accurate cost-basis information to Advisor who will relay that information to Signal. If
information provided by Client is incomplete or inaccurate, the tax strategy developed through Tax
OPM will be adversely affected and could be inaccurate. Additionally, if Clients elect the Tax OPM
service, it is assumed that those services will be provided for an entire tax year. Terminating or
removing the Tax OPM service before completing a tax year may result in adverse consequences
including, but not limited to, short-term capital gains. Advisor recommends that Clients consult
with their CPA, tax adviser, or tax attorney regarding whether the Tax OPM service is appropriate
based on each Client’s individual circumstances.
Financial Planning and Consulting Services. We also offer stand-alone financial planning and
consulting services that are tailored to assist our clients in the management of their overall financial
affairs or to address specific financial concerns, transactions, or events. These services may
encompass advice regarding, without limitation, some or all of the following financial topics:
financial, budgeting and cash
management;
risk management, insurance
planning, and analysis;
financial planning relating to
specific life events (child birth,
death, divorce, business
transactions, real estate
transactions, etc.);
estate planning;
taxation issues and tax planning;
retirement planning;
investment planning, asset allocation,
and portfolio design;
educational funding; and
investment goal setting
Our financial planning and consulting services are offered on an annual retainer basis or on a one-
time consulting basis.
Annual Retainer Engagements: If you elect this service, we will consult with you and review your
pertinent financial documents and information (e.g., bank and brokerage statements, insurance
documents, estate and trust documents, tax documents, etc.) with the goal of identifying areas of
financial concern and determining an appropriate set of financial goals and objectives over various
time horizons. We will analyze the data and information you share with us and present you with a
written financial plan. The financial plan will include a summary of your financial situation, our
general observations regarding the same, and a set of specific actions and investment
recommendations designed and intended to assist you in achieving your short term and long term
financial goals. For example, recommendations may be made that you begin or revise certain
investment programs or accounts; create or revise wills or trusts; obtain or revise insurance
coverage; commence or alter retirement savings; or establish education savings or charitable giving
programs, among others.
Following our initial delivery of your written financial plan, we will meet with you at least annually
(in person, via telephone, tele-video conference, and/or similar means) to review your plan and
track your progress towards your stated financial goals. Your plan will be updated at least annually
and otherwise, as necessary, and appropriate based on your investment needs and objectives.
Additional periodic reviews and updates to your financial plan may be provided upon your
reasonable request. As an annual retainer client, you will also receive ad-hoc financial consulting
advice and support regarding the topics addressed within your financial plan and other common
financial matters. In rare instances, additional fees may apply where we determine that the ad-hoc
financial consulting advice you request falls outside the scope of our financial planning engagement
and/or will require substantial additional work on the part of our firm. Annual financial planning
engagements last for a period of one year from the date we enter an advisory agreement and
typically will renew automatically upon their anniversary date, unless terminated earlier.
One-time Financial Planning/Topical Consulting Engagements: If you elect this service, you may
select a discrete number of financial topics, events, or transactions upon which you would like to
receive our financial advice. One-time financial planning and consulting services are narrower in
scope than annual retainer services, and do not include comprehensive financial planning. We will
deliver our recommendations orally or in the form of a written financial report or checklist at the
conclusion of the engagement, after which time, no further update or review of our
recommendations is provided (unless specifically requested by the client and agreed to in writing
by MariPau) and the engagement is deemed to be concluded.
Irrespective of the nature of our engagement, you always maintain the sole and absolute discretion
to accept or reject any of our financial planning and consulting recommendations, in whole or in
part, and shall be responsible for the implementation of all investment decisions and the ongoing
monitoring of your investments. While you are never obligated to utilize us for any further services,
upon request, we may assist you with implementation of our financial recommendations -
additional fees may apply. Where you choose to engage us for implementation services following
delivery of our financial planning and consulting recommendations, we may, in our sole discretion,
offer to reduce or offset the agreed upon financial planning and consulting fees that would
otherwise be charged upon the completion of our services.
As part of this service, we may recommend the use of certain third-party professionals (e.g.,
attorneys, tax advisors, accountants) to assist you in implementing the advice and recommendations
we provide. We do not receive compensation or referral fees of any kind in connection with these
recommendations. You are never obligated to engage any recommended third party professionals,
and elect to do so at your sole discretion and risk. You will independently contract with such service
providers and their fees are not included within the advisory fees paid to MariPau. We do not
provide legal or tax advice of any kind.
Seminars and Workshops. MariPau holds seminars and workshops to educate the public on
different types of investments and the different services they offer. The seminars are educational
in nature and no specific investment or tax advice is given.
D Wrap Fee Programs. We do not currently sponsor, serve as a portfolio manager to, or recommend
any wrap fee programs to our clients. We may change this policy in the future.
Types of Investments Recommended. The types of investments we typically recommend to clients
are described above in this Item 4. We may also advice clients on any assets held in their portfolio
at the time of our engagement and other investments not listed above at the client’s specific request.
Please see Item 8 of this brochure or a description of the investment strategies we typically
implement within client accounts.
E Assets Under Management. As of February 14, 2024, we managed $230,626,850 in client assets
on a discretionary basis and $4,381,620 in client assets on a non-discretionary basis.