Business Details
Your Trusted Financial Partner in Folsom, CA
Miner Financial & Insurance partners with businesses and individuals to implement customized financial strategies that mitigate risk and prepare clients for the future. With decades of combined experience, our team delivers personalized solutions in insurance, investment planning, and business strategy. We prioritize long-term relationships built on trust, offering flexible strategies at competitive prices while maintaining a strong reputation in the industry. Our services span employee benefits, individual and commercial insurance, retirement planning, and asset management.We are committed to transparency, client education, and adapting to evolving financial needs. Backed by certifications like CFP and partnerships with institutions like LPL Financial, we ensure compliance and expertise in every recommendation. Our local focus in Folsom, CA, combined with national service capabilities, allows us to address both individual and corporate financial goals effectively.
Services
Employee Benefits
Individual Insurance
Commercial Insurance
Investment Planning
Business Planning
Asset Management
Retirement Solutions
Group Health Insurance
Disability Coverage
Estate Planning
Highlights and features
- We offer over 25 years of experience in financial services with certified professionals.
- Our team provides personalized strategies tailored to individual and business needs.
- We maintain partnerships with leading financial institutions for comprehensive solutions.
- Our local expertise in Folsom, CA ensures personalized client support.
- We guarantee transparent communication and no hidden fees in all services.
Associations and certifications
- FINRA
- SIPC
- LPL Financial
Services
Investment Planning
We develop customized investment strategies to grow and protect client assets. Our approach combines risk assessment, diversification, and market analysis to align with financial goals. Clients benefit from ongoing portfolio reviews and adjustments to adapt to changing market conditions.
Commercial Insurance
Our commercial insurance solutions protect businesses from liability, property damage, and operational risks. We offer policies tailored to industries including construction, healthcare, and professional services. Coverage includes general liability, workers' compensation, and business interruption insurance.
Retirement Solutions
We help clients prepare for retirement through 401(k)s, IRAs, and annuities. Our strategies focus on tax efficiency, income generation, and asset preservation. We also assist with rollovers and estate planning to ensure long-term financial security.
Group Health Insurance
We design group health plans that balance cost and coverage for employers. Services include plan selection, cost analysis, and compliance support. Our goal is to help businesses attract talent while managing healthcare expenses effectively.
Asset Management
Our asset management services optimize financial portfolios through strategic allocation and risk management. We provide regular reporting and performance tracking to ensure alignment with client objectives. Services cater to both individual and institutional investors.
People
Marc Miner
Certified Financial Planner
Marc Miner, CFP, has over 25 years in financial services. He specializes in retirement planning and business insurance, holding a CA insurance license. He earned a BS from UC Davis and focuses on long-term client relationships.
Nicholas Melnik
Client Services Manager
Nicholas Melnik manages client accounts and satisfaction. He holds an associate degree in business administration and pursues a bachelor's in marketing. He emphasizes meticulous service and client engagement for MFI clientele.
Ellen Protosovitskaya
Personal Lines Manager
Ellen Protosovitskaya oversees personal insurance needs with expertise in home and auto policies. She joined MFI in 2018, combining organizational skills with creative problem-solving to meet client insurance requirements.
Joseph Ryan
Commercial Lines Specialist
Joseph Ryan, a Navy veteran, brings 20 years of commercial insurance experience. He specializes in property and casualty coverage, prioritizing client service and advising on risk management solutions for businesses.
Miriam Gershenson
Benefits Consultant
Miriam Gershenson, with 18 years in HR, focuses on health benefits consulting. She holds a Master of Science from Golden Gate University and advocates for employee-centric benefits packages tailored to organizational needs.
Questions
What services does Miner Financial & Insurance offer?
We provide financial planning, insurance solutions, retirement accounts, business insurance, and asset management tailored to individual and corporate needs.
Are your financial advisors certified?
Yes, our team includes Certified Financial Planners and professionals with partnerships like LPL Financial for expert guidance.
Do you serve clients outside California?
Yes, we serve clients across the United States while maintaining our local Folsom, CA office.
What types of insurance do you handle?
We offer life, health, disability, commercial, and group insurance policies for individuals and businesses.
How do you approach retirement planning?
We analyze your goals and risk tolerance to create customized retirement strategies using 401(k)s, IRAs, and annuities.
Can you help with business succession planning?
Yes, we specialize in buy-sell agreements, key person insurance, and executive compensation plans for business continuity.
