THE HIDDEN FEE‑DRAG DETOX™ MISTAKE 89% OF CALIFORNIA PRE‑RETIREES MAKE — AND HOW TO STOP IT BEFORE IT COSTS YOU $280,000

This is the most common situation Darren works with — prospects who already have an advisor but are experiencing underperformance or high fees. Traditional advisors often focus on product allocation. They're not incentivized to minimize your total fee burden.

Darren frequently provides a second opinion alongside existing advisors rather than necessarily replacing them. The Retirement Hidden-Drag Detox™ analysis may reveal previously unrecognized optimization opportunities.

Some clients walk away having confirmed their current advisor is doing a great job. Others discover significant savings potential. Either outcome has value. Results vary by individual circumstances.

Darren personally reviews your current investment structure and total fee burden — including visible and hidden fees — using institutional-grade portfolio analysis tools.

You'll see a side-by-side comparison of your current approach versus Marathon Capital's active management system, based on your actual portfolio structure.

You receive a preliminary optimization strategy tailored to your goals, timeline, and risk tolerance. Bring recent account statements and a brief overview of your retirement goals. That's it.

The session is purely educational — it's not a sales consultation.

Darren's stated approach is: no high-pressure sales tactics, just education and honest assessment. If the review doesn't reveal meaningful opportunities, there's no obligation and no follow-up pitch.

If you want to explore working together after the session, Darren will walk you through what that looks like — on your timeline, not his.

Marathon Capital is an independent RIA — compensated only by client fees, never by product commissions or fund referral payments. Their interest is aligned with yours.

The complimentary session exists because Darren is confident the analysis will reveal real fee-drag opportunities — and the best way to demonstrate that is to show you first, before you commit to anything.

If the analysis doesn't find meaningful opportunities, you still walk away with valuable education about your portfolio. Either way, you benefit.

Marathon Capital's minimum is $100,000 in investable assets, though the firm focuses on clients with $250,000 or more who can benefit most from the comprehensive approach.

If you're approaching retirement age with $100K+, the optimization opportunities in the years ahead may be significant enough to justify a conversation.

The session will clarify exactly where you stand and what the best path forward looks like for your specific situation.

Large wirehouse firms assign junior relationship managers to most accounts and push standardized model portfolios — often with high internal fees and commission incentives.

At Marathon Capital, you get direct access to co-owners Darren and Kim — every call, every review, every recommendation comes from the principals. No hand-offs to separate departments.

Marathon's average all-in fee of 0.8% vs. the approximately 1.65% industry average means your money works harder from day one. Individual fee structures may vary.

Completely. As a registered investment adviser, Marathon Capital is legally bound to maintain strict confidentiality — it's not a policy, it's a regulatory requirement.

All information shared during the session is protected under fiduciary standards — the highest standard of care in financial services.

You can verify Marathon Capital's regulatory record and clean compliance history through FINRA BrokerCheck and the SEC's Investment Adviser Public Disclosure website.

If the analysis doesn't identify meaningful optimization potential, the session is completely free with no obligation of any kind.

Darren is confident the Retirement Hidden-Drag Detox™ methodology surfaces fee-drag opportunities that many conventional approaches overlook — which is why he offers this at no charge.

In the event your portfolio is already well-optimized, you walk away with independent validation and peace of mind. That alone has real value.