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ONE FINANCIAL LIFE. ONE COORDINATED PLAN.

Maranatha Wealth Management

About

Maranatha Wealth Management

A retirement plan should do more than manage investments.

Your income, investments, taxes, insurance, healthcare and legacy decisions affect one another. When those decisions are made separately, it can cause important gaps and unintended consequences that can be easy to miss.

Maranatha Wealth Management brings the pieces together through a comprehensive planning process built around your goals, resources, family and future. We identify what is working, uncover areas that deserve attention and coordinate strategies designed to support dependable income, long-term growth and protection for the people and priorities that matter most.

Our role is to help you make informed decisions and maintain one clear financial plan for your life, even as things around you change.

Empowering Your Retirement

Meet The Team

John Mashburn, FRC

Founder

John L. Mashburn has spent more than 20 years helping individuals and families make informed decisions about retirement, income, investments and financial . His approach begins with understanding how each decision may affect the others and bringing those decisions together into one comprehensive financial plan.

John founded Maranatha Wealth Management to provide a planning relationship that goes beyond managing investments. Working alongside experienced investment, planning, insurance, legal and compliance professionals, he helps clients identify potential gaps, address financial and retirement challenges and coordinate strategies around the lives they want to build.

For the past decade, John has also specialized in helping federal employees understand and coordinate their retirement benefits. He is a Federal Retirement Consultant (FRC℠), founder of Federal Benefit Experts and author of The Federal Benefits Blueprint.

John lives in Little River, South Carolina, with his wife, six children and their dog, Fenway.

PERSONAL ATTENTION. A TEAM OF PROFESSIONALS BEHIND YOU.

You receive personal guidance from Maranatha, supported by experienced investment, planning, compliance, legal and operational professionals through Simplicity Wealth. That means greater depth, oversight and specialized knowledge behind the work being done on your behalf.

Learn More About

Our Financial Solutions

Your investment strategy should begin with a clear understanding of your goals, resources and comfort level with risk. Our three-step approach combines disciplined research and implementation with ongoing communication to help keep your investments aligned as your life and priorities change. Click on a step below to learn more.

Our Approach

01

Start Smart

02

Apply Discipline

03

Communicate Progress

Our Financial Services

Income Planning

A dependable income strategy begins by determining how much you need, where that income will come from and how long each resource may need to last. We evaluate how pensions, Social Security, savings and investments can work together to support your lifestyle.

We also consider how taxes, inflation, market changes and the loss of a spouse could affect the income available to you over time.

Legacy & Estate Planning

What you have built should pass according to your wishes and provide for the people and causes that matter to you. We help coordinate beneficiary designations, account ownership, insurance and legacy goals with the rest of your financial plan.

When legal or tax guidance is needed, we work collaboratively with your qualified estate-planning attorney and tax professional.

Retirement Strategy Planning

Preparing for retirement requires more than reaching a savings target. We help you connect how much you save, how your assets are invested, when you retire and how those resources may eventually provide income. We also account for the specific challenges you will face.

The goal is one coordinated strategy that supports your life before and throughout retirement.

Social Security Benefit Planning

When you claim Social Security can affect more than the size of your monthly benefit. It may also influence taxes, investment withdrawals, spousal income and the amount your other resources must provide.

We evaluate your claiming options within the context of your complete retirement-income strategy.

Wealth Management

Your investments should have a specific purpose within your larger financial plan. We build and manage investment strategies based on your goals, time horizon, income needs, liquidity and comfort with risk.

Your portfolio is monitored closely, and we maintain frequent communication as markets and your circumstances change, so it can remain aligned with the plan it is intended to support.

Federal Employee Benefits

Federal employees face an additional layer of decisions involving FERS or CSRS, the TSP, FEHB, FEGLI, Social Security and survivor benefits.

If you came to us through Federal Benefit Experts, welcome. Maranatha Wealth Management is the financial advisory firm to which Federal Benefit Experts refers individuals seeking professional help applying that education to their own situation.

We help coordinate your federal benefits with your investments, taxes, income needs and the rest of your financial life—bringing the pieces together in one comprehensive plan.

Our Guides and Blog

Financial Educational Literature

Federal Employee’s Guide to Retirement
Your financial strategy is the foundation of your retirement life.

However, it can be difficult and complex to keep up with the changing financial landscapes, laws, and regulations, especially if you’ve been a federal employee and have worked for the government throughout your career. Creating your financial strategy is never a set-it-and-forget-it task—it requires maintenance and specific knowledge of how to best plan your retirement with the tools available to you as a current or former federal employee.

GET THE GUIDE

Browse Our Blog

Staying Active in Retirement: Supporting Your Health and Financial Plan

Retirement marks the beginning of an exciting new chapter, as leaving the workforce offers you the freedom to focus on what matters most to you. But to truly enjoy those years, maintaining a proactive focus on your physical well-being is just as important as managing your finances. That said, healthcare costs can be one of the largest and [...]

October 23rd, 2026|
Read More

Click Here To Browse All Our Blogs ⤍

What’s a Risk Score?

Your investments should reflect both the amount of risk you are comfortable taking and the amount of risk your financial plan may require. A Risk Score turns that conversation into a measurable range, allowing us to compare your preferences with the risk in your current portfolio and incorporate both into the planning process. This helps ensure that any investment strategy we recommend is appropriate for your goals and within a level of risk you are comfortable accepting.

Risk-Tolerance

Learn More About Value at Risk Analysis →

Asset Lock

Intelligent, Disciplined Investing with AssetLock®

AssetLock® is Simplicity Wealth’s proprietary portfolio-monitoring service. It monitors your portfolio in relation to the level of risk established through your household Risk Score and provides secure, personalized updates to you and your advisor.

This creates a clearer way to follow the risk in your investments, stay informed as market conditions change and identify when your portfolio may deserve attention.

Where the asset Lock button takes you, please make sure that CTA matches the same one described below.

START WITH A CONVERSATION

A strong financial plan begins with understanding what matters to you—your goals, concerns, family and the decisions ahead. Contact Maranatha Wealth Management to tell us where you are today and what you want your financial plan to accomplish.

We will answer your questions, explain how our planning process works and help you determine whether taking the next step together makes sense.

Office Location:

2408 Madison Drive,
Unit 201,
North Myrtle Beach, SC 29566

Our Email:

john@maranathawealth.com

Our Phone:

(843) 259-2522

Our Fax:

(855) 670-0911

READY TO BRING THE PIECES TOGETHER?

Your investments, income, taxes, insurance, retirement and legacy decisions should support the same financial plan.

Tell us what prompted your visit and what you want your plan to accomplish. We will answer your questions, explain our process and help you determine whether working together makes sense.

OUR E-NEWSLETTER



    OUR LOCATION

    2408 Madison Drive,
    Unit 201,
    North Myrtle Beach, SC 29566

    Privacy Policy | Terms of Use  | Disclosure | CCPA  | ADV 2A and Form CRS

    Six fundamental financial planning considerations include but are not limited to Longevity, Liquidity, Inflation, Market, Mortality, and Taxes.

    Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through Marantha Wealth Management. Maranatha Wealth Management is a separate and unaffiliated entity from Simplicity Wealth.

    SWG 5410592-0426 ©  Powered by: Simplicity

    Our Services

    Your investments should have a specific purpose within your larger financial plan. We build and manage investment strategies based on your goals, time horizon, income needs, liquidity and comfort with risk.

    Your portfolio is monitored closely, and we maintain frequent communication as markets and your circumstances change, so it can remain aligned with the plan it is intended to support.

    Preparing for retirement requires more than reaching a savings target. We help you connect how much you save, how your assets are invested, when you retire and how those resources may eventually provide income. We also account for the specific challenges you will face.

    The goal is one coordinated strategy that supports your life before and throughout retirement.

    Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

    Explore tax planning strategies today for potentisl tax efficiency and financial flexibility later in retirement.

    Help supplement your retirement income plan by exploring accumulation and potential tax-free distribution strategies.

    Learn about the potential benefits you may be eligible and explore strategies designed to seek an increase in your Social Security income.

    Work with us to design a strategy that seeks to provide potential income and strives for financial independence throughout your retirement years.

    Make the investment in your child or grandchild’s future with the gift of a college education through life insurance.

    Implement strategies designed to help lessen the overall risk to your assets from the effects of inflation.

    Plan for potential access to your assets to help address life’s unexpected needs.

    Schedule Your Time With Us








      Value at Risk Analysis

      Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.

      Within the initial review, we help you understand your risk threshold. We do this by deploying a Value at Risk (VaR) Analysis that helps us quantify attitudes toward financial uncertainty, specifically one’s emotional tolerance with respect to the magnitude and speed of potential investment loss.

      This analysis produces a VaR Score that is indexed on a scale from conservative to aggressive. The VaR Score can help us determine if the current portfolio aligns with your risk tolerance and provides insight as to whether changes to that portfolio are needed.

      Value at Risk Analysis

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        Our Approach

        Money is personal.
        We believe investors deserve a partner that will provide them with a bespoke investment experience tailored to their needs and objectives.

        01

        Start Smart

        02

        Apply Discipline

        03

        Communicate Progress

        01

        Start Smart

        Starting smart begins by getting a clear understanding of an investor’s current financial situation and how they would like it to progress to help meet their future lifestyle goals and objectives.

        During this process we get to know our prospective clients by gathering information pertaining to their personal values, financial goals, and existing financial accounts. We also evaluate their attitudes toward six universal financial planning considerations and conduct a Value at Risk (VaR) Analysis.

        Financial Planning Considerations

        The six universal financial planning considerations are potential barriers investors may face when working toward their goals. We believe that it’s important to evaluate investor sentiment towards each consideration through a succinct questionnaire. This allows us to examine the potential effects of these considerations on an investor’s assets today and in the future.

        Longevity

        Outliving financial assets as the result of a longer life.

        Liquidity

        Limited access to assets to meet life’s unexpected financial needs.

        Inflation

        Reduction in real purchasing power as the result of increasing cost of living.

        Market

        Unexpected reduction in the value of financial assets at the time of withdrawal.

        Mortality

        Loss of financial assets as the result of a partner’s or spouse’s death.

        Taxes

        Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

        Value at Risk Analysis

        Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.

        Your investments should reflect both the amount of risk you are comfortable taking and the amount of risk your financial plan may require. A Risk Score turns that conversation into a measurable range, allowing us to compare your preferences with the risk in your current portfolio and incorporate both into the planning process. This helps ensure that any investment strategy we recommend is appropriate for your goals and within a level of risk you are comfortable accepting.

        Value at Risk Analysis

        02

        Apply Discipline

        Research and Due Diligence

        Simplicity Wealth’s rigorous research process provides a comprehensive suite of reliable investment capabilities and model portfolios. We vet, select, and continuously monitor over 150 asset managers and 1,000 strategies, evaluating them for risk management, diversification, and performance consistency. This disciplined, fiduciary-driven approach is paired with our proprietary risk scoring model, which grounds our clients’ investment expectations in their personal comfort level with market volatility.

        Our Investment Planning Process

        Our investment planning process helps our clients set clear and achievable financial goals. It allows them to define their short-term and long-term objectives and provides direction in making prudent investment decisions based on universal financial planning considerations, risk tolerance, and time horizons. We strive to provide a planning process that is dynamic and flexible, allowing our clients to adapt their investment strategy as circumstances evolve.

        1. Discover:

        Gather key information pertaining to goals, objectives, financial planning considerations, and risk tolerance.

        2. Analyze

        Perform a comprehensive financial analysis of the information provided.

        3. Plan

        Create a custom strategy that aligns with the client’s provided goals and risk tolerance.

        4. Implement

        Execute the agreed-upon plan.

        5. Monitor

        Proactively manage the plan, evaluate its progress, and adjust it to meet shifting objectives and changing market dynamics.

        Institutional Solutions

        Direct Indexing and Tax-Loss Harvesting

        Gaining greater control of an index with added tax benefits so that clients may keep more of what they earn.

        Through Simplicity Wealth’s automated direct indexing and tax-loss harvesting capabilities, investors will have greater control and flexibility within their replicated index portfolios and will also benefit from offsetting capital gains tax through the strategic selling of securities at a loss.

        Tax-loss harvesting involves selling an investment at a loss in order to offset the taxes resulting form a capital gain. It is not considered tax advice and you are encouraged to consult with your personal tax advisor for such services

        Sophisticated transfer strategies for helping clients reduce or even eliminate tax-burdened legacy positions.

        Simplicity Wealth’s tax-optimized transition solution works to help investors alleviate tax liabilities of transferring existing non-qualified funds over to their businesses through a transfer-in-kind, multi-year strategy.

        Tax-loss harvesting involves selling an investment at a loss in order to offset the taxes resulting from a capital gain. It is not considered tax advice and you are encouraged to consult with your personal tax advisor for such services.

        Investment strategies for helping align clients’ money with their values.

        Simplicity Wealth offers an optional screening service designed for investors who wish to integrate environmental, social, governance, or value-based factors into their investments. The overlay screens can be applied to an existing account and has the ability to be customized to exclude investments within certain segments. We maintain discretion for this service in the selection of investments, timing, and execution of transactions.

        Stock screener provided by Sustainalytics, a Morningstar subsidiary.

        03

        Communicate Progress

        Our Commitment to You

        We strive to provide clarity regarding your income strategy through regular reporting, proactive outreach, and consistent availability of our team throughout our professional relationship.

        We A.C.T. to communicate progress on your portfolio.

        A

        Accessible

        Accessible

        We understand the importance of being available to you when questions or concerns arise. We will return your phone call or email within 1-2 business days and if the issue is still not resolved, we will schedule a meeting with you at the earliest time possible.

        C

        Consistent

        Consistent

        Together we will determine your communication preferences and frequency so that we can be sure to communicate progress on your investments, schedule reviews, as well as provide you with critical market updates throughout the year.

        T

        Transparent

        Transparent

        You will have a secure login to your client portal that will allow you to view your entire financial landscape in one location on any online device. Through this portal you will be able to view your accounts and access financial tools, performance reports, balance sheets, key documents and more.

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