Jason Craine CFP®, AWMA®, AAMS®

I am a Senior Financial Planner and Certified Financial Planner with a career in the financial industry that began in 2010. My experience spans banking, investments, accounting, and insurance firms, which laid the foundation for my holistic wealth planning practice at Mariner Wealth Advisors. In 2019, I relocated from Kansas City to Wichita to establish a new office, and I have thoroughly enjoyed becoming an active member of this community.

My passion for financial planning started in childhood. I vividly recall overhearing conversations between my mother and grandfather about financial strategies. He dedicated his career to helping families manage risks through insurance. Additionally, I remember our family engaging an advisor to navigate the college selection process. These experiences left a lasting impression on me and significantly influenced my desire to assist families in addressing complex financial challenges.

Holistic planning encompasses several key areas, including Retirement Planning, Investments, Alternative Investing, Tax Planning Strategies, Risk Mitigation and Insurance Planning, Estate Planning, Education Planning, and Cash Flow Analysis. Additionally, I have received training in the collaborative divorce process, helping those going through divorce. 

I work with multi-generational families and corporations, including business owners, medical providers, and executives. My client base spans the country, from coast to coast. Typically, my clients are approaching retirement or have substantial income that requires careful planning. However, the nature of multi-generational planning allows me to serve a diverse range of clients. There are numerous opportunities to enhance a family's financial landscape both leading up to and during retirement. While the next generation may have different financial needs, effective planning among these various family units is crucial for building multi-generational wealth.

Each of my client portfolios is tailored to target returns relative to the level of risk they are looking for with their portfolio. I also consider unique investments that are not commonly found in standard portfolios. 

I believe Roth conversion strategies can positively influence a client's net worth over time, affect their lifetime tax payments, and dictate how assets are transferred to the next generation. I can help families ensure proper estate documents are in place, and emphasize the importance of reviewing asset titles and beneficiary designations to honor their wishes. 

Early preparation is crucial in education planning. We can assess which types of accounts are most suitable, and discuss their intentions for covering educational expenses.

Many executives and upper management professionals accumulate substantial holdings of company stock within their retirement plans. Claiming net unrealized appreciation (NUA) on these assets can add significant value and reduce tax liabilities. 

We have various strategies to address concentrated positions that have built up over time. Goals may include gradually reducing this position to mitigate risk, maintaining the position while generating additional income, or implementing measures for downside protection.

I always assess a client's situation through a fiduciary lens, ensuring a client won’t feel “sold” anything. I believe that a detailed cash-flow-based approach to financial planning provides a clearer and more accurate picture. This method enables us to explore the finer details of tax planning.

I pay close attention to investments from an asset location perspective, analyzing the growth and tax implications of various investments and determining the most suitable accounts for holding them, based on the tax treatments applicable to those accounts.

Tax planning is intricately woven into every aspect of financial planning, as both current and future tax implications play a crucial role in shaping our strategies.

Each family or situation is unique and comes with its own nuances. As such, each financial plan is unique. I am given the opportunity to get to know my clients on a very intimate level and show real value that can have major impacts on their legacy. 

Savvy has developed a platform that is transforming the wealth management industry. By leveraging their technology, I can focus more on what truly matters—addressing my clients' needs. My clients value the enhanced, user-friendly experience!