Scott Marcoe is a financial planner and CRPC professional who helps people find clarity and direction during major life and career transitions. As the founder of Checkpoint Planning and creator of The Checkpoint Strategy, he brings structure and calm to moments that often feel chaotic, such as job loss, career change,
divorce, early retirement, and other major life shifts.
Scottʼs approach to planning is shaped by his background as a competitive endurance athlete. He is a state champion mountain bike racer and a national champion in 24-hour mountain bike racing. The long training hours, constantly changing terrain, and mental discipline required for endurance success influenced
the philosophy behind The Checkpoint Strategy.
Training to win meant having a clear goal, breaking the work into smaller checkpoints, and adjusting to real
conditions along the way. Financial transitions follow the same pattern. Progress happens through checkpoints, pacing, and smart decisions made under real circumstances.
Scottʼs planning process breaks big financial questions into clear, manageable steps so clients can stabilize quickly, build confidence, and move forward at a pace that feels right. His work is grounded in empathy, experience, and the belief that clarity creates confidence.
Scott lives in Orange County, California and supports clients across the United States.
One checkpoint at a time. That is the philosophy he learned from endurance racing and the foundation of how he helps people navigate financial transitions.
Scott Marcoe
Founder, Checkpoint Planning
(949)702-0139 (calls only)