Business Details
Trusted Financial Advisers in Folsom, CA
Miner Financial & Insurance has been dedicated to empowering clients with strategic financial solutions since our founding. Our team of seasoned professionals specializes in crafting personalized financial plans that address both immediate needs and long-term goals. With expertise in investment management, risk mitigation, and insurance services, we prioritize building enduring relationships founded on trust and transparency. Our commitment to ongoing client education ensures informed decision-making, while our focus on competitive pricing and flexible strategies accommodates diverse financial situations.Backed by decades of collective industry experience, we serve individuals and businesses across Northern California with tailored advisory services. Our affiliation with LPL Financial enhances our capabilities through access to comprehensive resources and innovative tools. By maintaining rigorous compliance standards and prioritizing client satisfaction, we strive to be the definitive partner for financial confidence and security.
Services
Employee Benefits
Individual Insurance
Commercial Insurance
Investment Planning
Business Planning
Highlights and features
- Certified Financial Planner with 25+ years of industry experience
- Personalized financial strategies tailored to individual client needs
- Comprehensive services spanning insurance, investments, and retirement planning
- Experienced team with specialized expertise in commercial and personal lines
- Commitment to ongoing client education and transparent communication
Associations and certifications
- FINRA
- SIPC
- LPL Financial
Services
Employee Benefits
We design comprehensive employee benefit packages that address healthcare, retirement, and risk management needs for businesses of all sizes. Our solutions balance employer affordability with competitive employee value propositions. By analyzing organizational structures and workforce demographics, we create customized plans that enhance talent retention while maintaining regulatory compliance.
Commercial Insurance
Our commercial insurance services protect businesses through tailored property, liability, and specialized coverage solutions. With expertise in risk assessment and claims advocacy, we develop strategies that minimize operational exposures. Our team works closely with clients to understand industry-specific vulnerabilities and implement cost-effective protection frameworks that support business continuity.
Investment Planning
We offer strategic investment planning services focused on wealth preservation and growth through diversified portfolio strategies. Utilizing LPL Financial's research resources, we create asset allocation models aligned with risk tolerance and financial objectives. Our ongoing monitoring ensures portfolios remain optimized amid changing market conditions and life circumstances.
Business Planning
Our business planning services address succession planning, buy-sell agreements, and executive compensation structures. We help owners develop transition strategies that ensure business continuity and equitable asset distribution. By coordinating with legal and tax professionals, we implement solutions that protect business interests and facilitate smooth ownership transfers.
Individual Insurance
We provide customized personal insurance solutions including life, health, and disability coverage to protect individual financial security. Our approach considers life stage requirements and long-term objectives when designing protection strategies. Through regular policy reviews, we ensure coverage amounts and terms evolve with clients' changing needs and family circumstances.
People
Marc Miner
Certified Financial Planner
Marc Miner, CFP, has provided financial guidance since 1995. A UC Davis graduate, he focuses on building client trust through personalized strategies. With expertise in investment planning and risk management, he helps clients pursue financial goals while maintaining competitive pricing structures.
Nicholas Melnik
Client Services Manager
Nicholas Melnik manages client account administration while pursuing a business-marketing degree. Known for meticulous service, he builds client relationships through organized support. His background in business administration and commitment to service excellence enhance client experience.
Ellen Protosovitskaya
Personal Lines Manager
Ellen Protosovitskaya oversees personal insurance needs with creative problem-solving. Since joining in 2018, she has specialized in home and auto coverage strategies. Her client-focused approach combines organizational skills with innovative insurance solutions tailored to individual requirements.
Joseph Ryan
Commercial Lines Specialist
Joseph Ryan brings 20 years of commercial insurance experience to client advisory services. A Navy veteran, he specializes in property and casualty coverage for Northern California businesses. His client-first philosophy prioritizes quality service and comprehensive risk protection strategies.
Irina Melnik
Health Benefits Manager
Irina Melnik manages health benefits administration with over a decade of client service experience. She provides efficient benefits coordination while volunteering in church hospitality programs. Her educational background supports effective management of complex employee benefit structures.
Questions
What financial services do you offer?
We provide investment planning, insurance solutions, business succession planning, employee benefits administration, and comprehensive financial advisory services for individuals and businesses.
How are your services different from other firms?
Our approach combines personalized service with access to LPL Financial's resources, certified professionals with decades of local experience, and a commitment to ongoing client education and transparent communication.
What insurance products do you specialize in?
We offer personal lines coverage, commercial property/casualty insurance, health benefits solutions, life/disability policies, and specialized business insurance products tailored to Northern California clients.
What investment strategies do you use?
We implement diversified portfolio strategies using LPL Financial's resources, focusing on asset allocation models that align with individual risk tolerance, time horizons, and financial objectives.
Are your advisors certified professionals?
Yes, our team includes a Certified Financial Planner (CFP) professional and licensed insurance specialists with FINRA/SIPC registered representatives through our LPL Financial affiliation.
