Your Secure Future Advisor Team

Phone: 937-853-7529
Email: mark@securefutureadvisor.com 

My Passion:

I believe that facts beat opinions 100% of the time! Studies show that most people spend more time planning a two-week vacation, rather than the next 20-30 years! Mark founded Secure Future Advisors and Secure Future Tax Advisors to help small business owners, successful professionals, pre-retirees, and retirees build a more secure future.

My Expertise:

We implement unique planning processes to address the three (3) phases of life: (1) Accumulation (2) Distribution (3) Legacy These processes begin with a candid conversation, so we can “get acquainted”, and incorporate your ideas and desires. This results in a personalized “Blueprint”, which is easy to understand with practical, tax-efficient investment and insurance solutions.

My Role:

Proper planning should address your personal, family, career, spiritual and financial objectives.  My unique ability is to understand and implement a plan which brings more confidence and clarity to these areas of your life.

My Personal Interests:

Mark graduated from The Ohio State University, and started his financial services career with Northwestern Mutual, before deciding to become an independent financial advisor in 2005.  He is actively involved with the Million Dollar Round Table(MDRT), where he has been a qualifying member for 23 consecutive years (1996-2018). He has earned 8 Top of the Table(TOT) qualifications and 7 Court of the Table(COT)qualifications (top 6%).

For the past 12 years, Mark has been a participant in the Strategic Coach program, designed for entrepreneurs.  Mark enjoys the insights from Warren Buffett and incorporates his wisdom in both his personal and professional life.

Mark was born in Dayton, Ohio and currently resides on a small family farm of 10 acres in Waynesville, Ohio. He and his wife, Kelly, have been married for 27 years, and have 9 children, 3 of which are siblings adopted from Ethiopia. Together, the family raises miniature donkeys, chickens, horses, and bees.  Mark is a Board Member of a Child’s Hope International, a ministry focused on orphans and children around the world.

Check the background of this investment professional on FINRA's BrokerCheck.

John K. Tarwater,  CPA, PhD

Phone: 956-800-3822
Email: john@securefutureadvisor.com

My Passion: 

Retirement should be a time of freedom, not financial stress. Unfortunately, many people enter retirement unsure about taxes, pensions, and income strategies — and uncertainty steals joy. I’m passionate about helping retirees and near-retirees bring clarity to these issues so they can enjoy retirement with confidence. My work is especially focused on the many government employees and professionals near Wright-Patterson AFB who face unique and often confusing benefit structures.

My Expertise:

With a CPA background, a PhD in Finance, years of tax-practice experience, and time spent as a university professor, I bring an uncommon mix of academic rigor and real-world practicality. I specialize in integrating tax planning with investment planning — because retirement decisions should never be made in a vacuum. My work centers on tax-efficient withdrawal strategies, pension and TSP optimization, Social Security and Medicare coordination, and building reliable lifetime income plans. I also teach retirement-focused education courses in Social Security, Medicare, and tax planning, which keeps me closely connected to the challenges retirees face today.

My Role:

I help clients navigate the complexities of retirement by creating a personalized plan that reduces taxes, aligns investments with goals, and turns savings into dependable income. I strive to make financial decisions clear and understandable, empowering clients to feel confident and supported throughout their retirement journey.