CarePath Financial
Preparing for Long Term-Care. Protecting Your Retirement. Preserving Your Legacy.
Thoughtful financial planning for individuals, families, and business owners throughout South Florida.
With over two decades of experience, Marcelo Cardenal helps clients plan for long-term care costs, retirement income and asset protection - so you can move forward with clarity and confidence.
ABOUT
Marcelo Cardenal is a Financial Consultant focused on long-term care planning, retirement income strategies, and asset protection for individuals, families, and business owners throughout South Florida.
For more than twenty years, Marcelo has helped clients prepare for life's financial transitions with a focus on education, transparency, and long-term security. His approach is centered on understanding each client's priorities and designing strategies that align with their goals - not simply recommending products.
Strong financial planning begins with clarity. Whether you are preparing for retirement, concerned about rising long-term care costs, or seeking to preserve your legacy, Marcelo works closely with you to develop a thoughtful and personalized strategy.
Education & Professional Credentials
Marcelo Cardenal holds a Bachelor of Arts in Economics with a double major in Sociology from Florida International University and a Master's of Science in Financial Services (MSFS) from the Institute of Business and Finance. He has earned several professional designations, including:
​
• Certified Fund Specialist (CFS)
• Certified Annuity Specialist (CAS)
• Certified Income Specialist (CIS)
• Certified Tax Specialist (CTS)
• Certified Estate & Trust Specialist (CES)
​
These credentials reflect his ongoing commitment to professional development and excellence in financial services.​
SERVICES
LONG TERM CARE PLANNING
The cost of long-term care can significantly impact retirement savings and family stability if not addressed proactively.
​
We help clients evaluate potential care needs and explore planning options designed to protect assets and maintain financial independence.
​
Planning strategies may include:
​
• Traditional Long-Term Care Insurance
• Hybrid Life & Long-Term Care Solutions
• Asset-Based Care Planning
• Family Protection Strategies
​
Our focus is on preparation so - decisions are made thoughtfully, not during a crisis.​​
RETIREMENT INCOME PLANNING
A successful retirement requires more than asset accumulation - it requires sustainable income.
​
We help clients:
​
• Structure dependable retirement income streams
• Address longevity and healthcare risk
• Coordinate Social Security timing
• Manage market exposure
• Align income strategies with long-term care considerations
​
The objective is clarity, stability, and confidence throughout retirement.
ASSET PROTECTION STRATEGIES
Protecting what you have built is essential.
​
We develop strategies intended to:
​​
• Help shield retirement savings
• Prepare for healthcare and long-term care expenses
• Reduce unnecessary financial risk
• Support long-term financial resilience
​
Protection planning is integrated into every recommendation.
