When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means.

Together with our affiliates, we offer a variety of services to clients beyond investment advisory services. As further disclosed in our Form ADV Part 2A, our affiliates charge fees in addition to our fees and we receive compensation for referring clients to affiliates. Certain of our associates who are wealth advisors are registered representatives of a broker dealer and/or licensed insurance agents and are compensated for the sale of securities and/or insurance related products. To the extent such insurance products have commissions payable to the advisor, this presents a conflict of interest for the advisor to recommend such products for additional compensation. When you purchase an investment product through MSEC, MSEC receives payment in the form of a commission. This incentivizes advisors registered with MSEC to recommend such investment products based on the commission to be received. In situations in which MSEC receives an up-front commission and/or trail commission for a product sold through it, such as a mutual fund, we will not also charge a fee on the assets associated with this product. In situations where we recommend clients invest in affiliated private funds, we have an incentive to make such recommendations as the affiliated private funds charge fees in addition to and separate from the fees charged by us. More detailed information about conflicts of interest can be found in our Form ADV, Part 2A brochure.

MARINER WEALTH

Senior Wealth Advisor

MANASQUAN, NJ 08736

Nicholas Hewston Raffetto

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