As a successful business owner, your business presents challenges on a daily basis that require focus and dedication that most other individuals are not able to sustain. However, it’s this same focus and dedication to your business that can prevent you from allocating resources to fully realizing the financial opportunities available to you by integrating your personal and business planning.
That’s why many entrepreneurs turn to M3 Advisors. We focus all of our planning around your largest asset, your business, and we use strategies available to your business to help you achieve your personal financial goals. This distinction in our approach from the standard advisor can provide many benefits to you.
We provide comprehensive planning for business owners, with our typical clients being owners of privately-held enterprises in the $20 million – $500 million revenue category. These small- to mid-sized businesses may not realize it, but they have access to many beneficial tax and financial strategies that are typically thought to be reserved for bigger corporations. Our job is to help you understand what is available. The next step is to strategize, implement and integrate the most beneficial strategies for your particular situation.
HOW WE WORK
Our business model has evolved to provide a laser focus on services most needed by entrepreneurs. We’ve organized these services into two areas: a Consulting Arm (M3 Advisors) and a Wealth Management Arm (Martin Financial Group).
Our Consulting Arm develops and manages comprehensive financial strategies for business owners. These services generally include:
- Business Financial and Tax Planning
- Exit and Succession Planning
- Buy-Sell Arrangements
- Executive Compensation and Benefit Consulting
- Corporate Structuring
- And a variety of other issues entrepreneurs face
- Asset Management
- Retirement Planning
- Risk Management
- Wealth Transfer
WEALTH MANAGEMENT SOLUTIONS
Our Wealth Management Arm was established to provide independent and unbiased guidance and recommendations for selecting product solutions to implement business and personal financial plans. We offer a wide range of financial, investment and insurance products and employ unique analytical models to show how products can best be configured and integrated to meet your objectives at each phase in your financial life cycle. Our products and models include:
- Life Insurance
- Life Settlements
- Disability Insurance
- Long Term Care Insurance
- Asset Allocation
- The Optimized Portfolio System (TOPS®)
- Achieving Retirement Clarity (ARC™) (Wealth Accumulation)
- The Retirement Income Survival Kit (RISK™)
- Life Assurance 360™
OUR PEOPLE MAKE US WHO WE ARE
Our team is made up of some of the most highly skilled and experienced professionals in our industry. We have team members onsite at our main office in Savannah GA, as well as external support networks and strategic alliances from coast to coast. The team is led by the multi-generational trio of Gean, Tony and Todd Martin, who have over 70 years of combined experience in business, tax, financial, investment and insurance planning.
One of the members of the Martin family is hands-on with every client activity. Whether it’s business consulting, investment strategy or implementation of a comprehensive insurance design, there will never be a scenario in which one of the principles is not directly managing your strategy, planning, investments and policies.
TONY MARTIN, MBA, MTax, CFP®
TODD MARTIN, CLU®, ChFC®, AEP®
Please select a team member from above to read more about us.
Gean Martin, CLU®, AEP
Gean is the founder of Martin Financial Group and a Principal at M3 Advisors. He has been instrumental in the strategic growth of the Martin enterprises, guiding our path with a steady hand.
Gean specializes in helping clients preserve their wealth and transfer it to successive generations. In that role, he counsels individuals and families regarding federal, state, estate, gift and generation-skipping transfer tax issues, and the development of complex estate plans.
His 40+ years of experience include counseling families and businesses regarding a broad range of trust and estate areas as well as general corporate matters. These include sophisticated estate planning, the administration of estates and trusts, closely-held business counseling, business succession planning, and the structuring of business entities.
Tony Martin, MBA, MTax, CFP®
Tony is a Principal at M3 Advisors and Martin Financial Group. He is primarily responsible for the creation and implementation of our clients’ strategic plans for both firms. He is a frequent speaker and lecturer who enjoys sharing with a wide variety of audiences.
Tony specializes in helping business owners integrate the tax and financial aspects of their business with their personal financial needs. He accomplishes the integration by applying his background in taxation, finance, risk management and corporate structuring to assist business owners and their advisors with sophisticated estate planning, closely-held business counseling, business succession planning, structuring of business entities, and the acquisition and sale of business interests.
Tony is a board member of UGA Terry College of Business Alumni Board, Junior Achievement of Savannah and the Georgia Chapter of the Leukemia & Lymphoma Society. He graduated from Rhodes College with a degree in Business Administration before obtaining a MBA from the University of Georgia and a Masters of Taxation from the University of Tulsa. Tony and his wife, Holly, have two sons.
Todd Martin, CLU®, ChFC®, AEP®
Todd is a Principal at M3 Advisors and Martin Financial Group. He is primarily responsible for helping clients preserve their wealth and create income distribution strategies to meet their long term needs and goals.
As a specialist in product placement and evaluation, he has developed a unique process for managing, monitoring, and evaluating insurance policies after they have been put in place. Todd is a frequent author with published articles on a number of topics, including family business continuity, succession planning, life insurance selection and management, annuities and guaranteed income streams.
He is a graduate of Leadership Savannah and is a Board Member for The National Museum of the Mighty Eighth Air Force. Todd graduated from the University of Georgia with a degree in Risk Management and Insurance. He and his wife, Lauren, have two children.
Gretchen Speerstra joined the team in October 2012 and manages the corporate office for M3 Advisors and Martin Financial Group in Savannah. She brings many years of client relations experience to our team. Her dedication to the firm and in helping clients is apparent in everything she does. Ms. Speerstra has over 20 years of experience working in various roles as team leader, supervisor and manager. Gretchen was awarded as the National Call Center Manager in 2008 by the SCAMA (Society of Classified Advertising Managers of America). She is also a Georgia Notary Public.
Gretchen moved to Savannah in 1996 but is originally from Montana and tries to get back home to her roots at least once a year. In her spare time, she enjoys being surrounded by family, her sweet pets (Mella, Abby and Charlie) as well as many friends both near and far. Gretchen has one son, Dane, who attends Calvary Day School and is very active in various programs as well as JV and Varsity Football. She also enjoys traveling, going to music concerts and experiencing local restaurants and entertainment.
Gean Martin started his career with Prudential in the Group department assisting large employers (over 1,000 employees) in the design and administration of their health insurance plans. During his tenure with Prudential, he had the opportunity to work with a number of notable clients, including Holiday Inn and the North Carolina Automobile Dealers Association. His success led him up the corporate ladder until his next move was slated to be Newark, NJ. In a somewhat humorous moment, Gean recalls when his wife, Linda, who is from Virginia said “If you take this position, and want to move to Newark New Jersey, you’re going alone”. Wouldn’t you know, Gean decided it was time to make a career change.
In 1980, Gean and Linda moved to beautiful Savannah, GA, where they still reside, and started Martin Financial Group. With his expertise in corporate insurance and business financial strategies, Gean quickly established himself as a trusted and proven resource for business owners, accountants and attorneys in the areas of life insurance, disability insurance, annuities, and retirement plans.
As the business grew, his sons Tony and Todd joined the firm in 2001 and 2003 respectively. Their experience, expertise and interest allowed the firm to further expand its financial, investment, and insurance product offerings. In 2014, the Martin family launched M3 Advisors, solidifying and expanding their business consulting offerings. Soon after, Gean transferred both businesses to Tony and Todd, and they continue to run them to this day. In March of 2018, Gean Martin passed away after a battle with cancer. He will be forever remembered for his 40+ year career in the insurance industry.
GEAN MARTIN, CLU®, AEP®
315 Commercial Drive
Savannah, Georgia 31406
Fee-Based Planning offered through M3 Advisors, a State Registered Investment Advisor. Third Party Money Management offered through ValMark Advisers, Inc., a SEC Registered Investment Advisor. Securities offered through ValMark Securities, Inc., Member FINRA, SIPC. 130 Springside Drive, Akron, OH 44333. (800) 765-5201. Martin Financial Group, LLC and M3 Advisors are separate entities from ValMark Securities, Inc. and ValMark Advisers, Inc.