Thinking Big Financial

**Background and Expertise:** Thinking Big Financial is a registered Investment Adviser founded in September 2016 by James J. Marrocco, Jr. The firm specializes in providing Holistic Financial Planning services, including comprehensive evaluations of clients' financial states and future cash flows. They offer services such as Cash Flow and Debt Management, Tax Planning Strategies, Insurance Needs Analysis, Investment Analysis, Life Goal Planning, Estate Planning, College/Education Planning, and Retirement Planning. Additionally, they provide Business Planning and Investment Management services tailored to individual client needs. **Consumer-Facing Terms:** - Minimum Annual Fee: $6,000 for individuals, $8,000 for couple households - Fee Structure: 1.00% of client's AGI + 0.35% of net worth - Fiduciary Status: Acting in the best interests of clients - Investment Discretion: Maintained over client accounts - Types of Clients: Individuals, high net-worth individuals, small businesses (no minimum account size requirement) - Investment Strategy: Primarily passive investment management using index mutual funds or ETFs - Risk of Loss: Market Risk, Strategy Risk, Small and Medium Cap Company Risk, Turnover Risk, Interest Rate Risk, Legal or Legislative Risk, Inflation, and Risks Associated with Specific Securities **Advisory Business Description:** Thinking Big Financial offers a client-centric approach to financial planning, focusing on long-term financial success through personalized strategies and continuous monitoring. The firm's investment philosophy revolves around passive investment management, asset allocation, and tactical investing to achieve clients' financial goals while minimizing risks. This summary provides insight into Thinking Big Financial's background, expertise, consumer-facing terms, investment strategies, and methods of analysis, helping potential clients understand the firm's commitment to holistic financial planning and client-centered services.