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Michael Marini

Personal Finance, Retirement, Investing
“Michael J. Marini is President of Orlando 401k Specialists and author of 401 CONFIDENTIAL, a consumer-empowerment book for people in 401(k), 403(b) & 457(b) plans.”

Orlando 401k Specialists

Job Title:

President / Financial Adviser


Michael J. Marini is President of Orlando 401k Specialists and author of two books; 401 CONFIDENTIAL: How 401(k) companies get FAT on your money...while you slave at your cubicle and FINISH STRONG: 21 Life and Money Lessons For Professional Athletes.  www.401confidential.com

Orlando 401k Specialists is a leader in providing low-cost 401(k) plans, Solo 401(k) plans, SIMPLE IRAs, SEP IRAs, 457(b) plans, 403(b) plans and defined benefit plans to companies and municipalities across the U.S..  Whether you are starting a new plan or going through vendor selection to replace your existing plan, we greatly appreciate the opportunity to meet you and show you the difference we can deliver.

Who We Serve…

We serve individual clients, small businesses, large corporations and local and state governments with retirement plans, investments, life insurance, disability insurance and ACA & ERISA compliance services.

Michael J. Marini is a 1989 graduate of the University of Central Florida and has been a practicing financial adviser since 1997. He hold Series 6, 26, 63, 65, Life & Health Insurance & Annuity licenses. He resides in Altamonte Springs, FL with his wife Donna.


BA, Advertising & Public Relations, University Of Central Florida

Assets Under Management:

$25 million

Fee Structure:


CRD Number:


Insurance License:



Michael J. Marini is registered with and securities are offered through Kovack Securities, Inc. Member FINRA/SIPC. 6451 North Federal Highway, Suite 1201, Ft. Lauderdale, FL 33308. (954) 782-4771. Advisory Services offered through Kovack Advisors, Inc. Orlando 401k Specialists is not affiliated with Kovack Securities Inc. / Kovack Advisors Inc.

Michael J. Marini is registered in CO, FL, GA, IL, MD, MO, NJ, NV, OH RI, SC, TX, VA.

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July 2018
    401(k), Retirement Plans, Retirement Savings
June 2017
November 2018

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    Debt, Social Security, Investing, Real Estate
Should I pay my house off with the money that I have or keep the money in my investment accounts?
100% of people found this answer helpful

The best way to answer this is to compare the monthly P & I payment to the monthly income you could generate with the $95,000.  If you keep the $95,000 in your investment portfolio, you could generate approximately $4,750 per year in income and maintain ownership of the $95k.  This translates to about $395 of monthly income.  I'm basing this on having the $95k in a moderate allocation investment portfolio and taking a 5% annual withdrawal, received in monthly installments.

So, ask yourself this.  Is it worth it to you to give away $95,000 and $395 of monthly income throughout your retirement in exchange for no longer having the monthly P & I payment.  Without knowing what the P & I payment is, I can't give you an opinion.  But I feel you have enough information now to answer the question yourself.

May 2018
    IRAs, Taxes, Income Tax
Is it advantageous to convert a traditional IRA to a Roth IRA during a 50 percent market downturn?
100% of people found this answer helpful
June 2018
How does an employer benefit from a 401(k) matching plan?
100% of people found this answer helpful
June 2017
    Banking, Debt, Investing, 401(k)
I am saving $50,000 a year and have $175,000 in a money market savings account; what should I be doing with this money?
75% of people found this answer helpful
August 2018
    Retirement, Retirement Savings, 401(k), IRAs
What else can I do to save for retirement without a 401(k)?
67% of people found this answer helpful
May 2018