Earnings Investment Co.

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Client assets under management

Clients

Advisors

of 3 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Very Low

Average account size

—

About

Earnings Investment Company provides non‑discretionary investment advice to individuals’ retirement accounts, employer‑sponsored plans, IRAs and trusts, offering portfolio management focused on dynamic asset allocation and sector rotation. The firm recommends no‑load mutual funds and also places client assets into indexed and immediate annuities and, for larger accounts, may refer clients to outside advisory models.

The firm emphasizes preservation of principal, modest income and liquidity through a low‑turnover “Sleep at Night” sector‑rotation strategy that typically makes infrequent moves and relies on macro/micro analysis, technical charting and available research. Clients retain trade approval authority, and the adviser may combine in‑house analysis with third‑party algorithmic or model managers for certain larger accounts.

What distinguishes the firm is its active role in selling other financial products and operating an affiliated insurance business: principals and associated representatives are licensed life and annuity agents and dedicate a meaningful portion of time to offering fixed and indexed annuities. The firm also provides occasional educational seminars in conjunction with a trust CPA/attorney and operates as a small practice managing under $5 million for roughly two dozen clients, with a client mix weighted toward retirement and trust accounts rather than a broad roster of non‑HNW or HNW individuals.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Annuities Wealth management Retirement income strategy Retirement withdrawal strategies

Fee options

Percentage

$0 - $2,000,000: 2.20% annually $2,000,000+: 1.90% annually

Other

Account minimum: $25,000

Main office location

Earnings Investment Co.

Fresno CA, United States

Number of offices

Most active in

California

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Is not active or affiliated with:

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

559-435-2525

Advisors at this firm

Darin M

Series 65

Fresno, CA

Earnings Investment Co.

Darin Marsella is a financial advisor at Earnings Investment Co. with 8 years at the firm and a total of 2 years in the industry, holding a Series 65 designation. He has prior experience at Custom Modular Consulting, Inc. and serves in the Navy Reserve. Earnings Investment Company provides non-discretionary investment advice focused on dynamic asset allocation and sector rotation for retirement accounts, employer-sponsored plans, IRAs, and trusts. The firm emphasizes principal preservation and modest income through a low-turnover sector-rotation strategy, combining in-house and third-party analysis while offering additional financial products, including fixed and indexed annuities.

Annuities Wealth management Retirement income strategy Retirement withdrawal strategies

Thomas M

Series 63

Fresno, CA

Earnings Investment Co.

Thomas Marsella is a financial advisor with Earnings Investment Co. in Fresno, CA, holding a Series 63 designation and over 54 years of industry experience. He has operated Marsella Financial & Co. since 1986 and has been involved with the Marsella Group, working with fixed and indexed annuities since 1967. Earnings Investment Company provides non-discretionary investment advice primarily to retirement accounts, employer-sponsored plans, IRAs, and trusts, focusing on dynamic asset allocation and sector rotation. The firm emphasizes principal preservation, modest income, and liquidity through a low-turnover strategy, combining in-house analysis with third-party models for larger accounts.

Annuities Wealth management Retirement income strategy Retirement withdrawal strategies

Cary M

Series 65

Fresno, CA

Earnings Investment Co.

Cary Marsella is a financial advisor at Earnings Investment Co. with five years of industry experience and holds a Series 65 designation. Prior to his advisory role, he has worked in various capacities including at Crumbl Cookies and several homebuilding companies. Outside of advising, he is an independent contractor real estate broker associate with Commercial Retail Associates, where he has been licensed since 1989. Earnings Investment Company provides non-discretionary investment advice focused on dynamic asset allocation and sector rotation for retirement accounts, IRAs, and trusts. The firm employs a low-turnover “Sleep at Night” strategy that combines in-house analysis with third-party models and also offers fixed and indexed annuities.

Annuities Wealth management Retirement income strategy Retirement withdrawal strategies

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