Co-founder
Marc Clark
Before becoming a financial advisor, Marc served as an operating partner in several businesses with equity participation. He brings that perspective to planning for owners, families and life beyond the company.
Read Marc’s bioAs life changes, your plan should scale with it.
Practical guidance for your investments, retirement and the people who depend on you.
Our approach
Your priorities set the direction.
A growing business, a retirement date or a new family responsibility can change what you need from your money. The conversation starts with the decision you face. Marc provides financial planning and investment advice; insurance needs are addressed by appropriately licensed professionals.
Marc Clark and Jay Limas founded SCALE to combine practical business experience with a personal approach. You have direct access to the founders, with room to ask questions and understand the services available for your situation.
The people behind SCALE
Meet the founders.
Business experience. Personal commitment. Two founders who understand that important decisions deserve more than a transaction.
Co-founder
Jay Limas, MBA
A business owner and MBA, Jay has coached collegiate and Olympic athletes. His experience shapes how he listens, explains choices and stays involved as family and business priorities change.
Read Jay’s bioPlanning priorities
Plan around what your life requires.
The people who count on you.
Balance family insurance needs, education savings and everyday obligations. Revisit coverage and beneficiaries when responsibilities change.
The income you’ll need next.
Evaluate retirement timing, investments and potential income sources. Understand the trade-offs before deciding how to draw on what you’ve built.
A future beyond the business.
Consider personal wealth outside your company, the people it supports and how a future sale or succession could affect your family’s finances.
Our services
A broad offering.
A focus on your needs.
Begin with a specific concern or a broader planning conversation. Explore the areas below to see how the available services may fit your needs.
Planning & financial organization
Create a practical framework for saving, spending and important life decisions.
Financial planning · Cash flow and financial organization · Education funding
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Financial planning
Review goals, resources and competing priorities. Identify actions to consider now and decisions to revisit over time.
Cash flow and financial organization
Examine income, spending, savings and debt obligations to understand what is available for your priorities.
Education funding
Compare education savings needs with retirement and other commitments, including how changing family circumstances may affect your approach.
Investments & retirement income
Connect how you invest today with how you may use your money tomorrow.
Investment advice and brokerage · Retirement and income planning · Annuity strategies
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Investment advice and brokerage
Consider investment choices in light of your goals, time horizon, liquidity needs and tolerance for risk.
Retirement and income planning
Evaluate retirement timing, potential income sources and withdrawal choices. Consider existing retirement accounts when changing jobs or retiring.
Annuity strategies
Evaluate whether an annuity fits your income or insurance objectives, with attention to costs, liquidity, contract terms and trade-offs.
Insurance & tax-aware decisions
Review risks and the financial consequences of your choices.
Life insurance and coverage planning · Tax-aware planning
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Life insurance and coverage planning
Assess coverage needs for the people who rely on you and your family or business obligations. Review existing coverage as those needs change.
Tax-aware planning
Consider how financial decisions may affect taxes, including investment and retirement income choices. Coordinate with your tax professional, who provides tax advice.
Business owners & legacy
Plan for what your wealth needs to do beyond the company and beyond your lifetime.
Business-owner planning · Estate and legacy coordination
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Business-owner planning
Consider personal wealth outside the company, owner insurance needs and how a sale, succession or ownership change may affect future income.
Estate and legacy coordination
Review beneficiary choices and wealth transfer priorities. Coordinate financial decisions with your attorney’s estate documents and legal advice.
Services are provided only by professionals appropriately registered or licensed for the activity and your state. Recommendations depend on your circumstances; the responsible professional explains the scope, costs and relevant considerations before you proceed.
Working with SCALE
Understand the choices.
Know the next step.
A planning relationship should make the work easier to follow. Here is what you can expect from the conversation and the work that follows.
A conversation before a recommendation.
The first conversation focuses on what brought you here, what you want to accomplish and what feels unresolved. The next step is to determine which services and appropriately licensed professional fit your needs.
Clear scope and costs.
Before you proceed, the professional providing the service explains its scope, applicable fees or compensation, and what the engagement would involve.
Priorities you can act on.
For planning and investment advice, Marc discusses recommendations, alternatives and trade-offs with you before agreeing on next steps. Any documents needed are shared through the firm’s approved secure channels.
Attention as circumstances change.
The scope and frequency of ongoing reviews depend on the services agreed upon. Where included in your engagement, reviews provide an opportunity to revisit decisions as your needs evolve. With your permission, the professional responsible for your engagement can coordinate with your CPA or attorney.
The SCALE process
A clear way to move forward.
The SCALE process provides a framework for the services in your engagement. For financial planning and investment advice, Marc helps clarify priorities, coordinate decisions and identify next steps. Implementation and any ongoing reviews follow the scope of the services agreed upon.
- 01
Strategize
Clarify what matters and establish the direction.
- 02
Coordinate
Bring priorities, strategies and professionals together.
- 03
Align
Match recommendations and resources to goals.
- 04
Launch
Put the agreed plan into action.
- 05
Evaluate
Review priorities and agreed next steps within the scope of your engagement.
Before we talk
A few useful answers.
Do I need a complete financial plan to get started?
No. You can begin with a specific question about retirement, investments, insurance or your business. The professional providing the service discusses the scope of help that makes sense for you.
What should I bring to the first conversation?
Start with your questions and the decisions you are considering. You do not need to send account information in an initial email. If records are needed, the responsible professional will explain how to provide them securely.
Can we work together if I live elsewhere?
Contact us to discuss your situation and how we can meet. Services are available where the financial professional is appropriately registered or licensed.
Can you work with my existing CPA or attorney?
Yes, with your permission. Marc can coordinate financial planning and investment recommendations with their work. Your tax and legal professionals remain responsible for tax and legal advice.
Get in touch
What questions are on your mind?
Reach Marc or Jay directly to arrange a conversation. Tell us what you would like to discuss, and we’ll take it from there.