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Wealth Management

Comprehensive Wealth Management Starts with your Financial FingerprintTM

We spend the majority of our lives on a mission to build wealth. We accumulate a pool of funds and investments that allows our children to go to college, enables our families to travel the world, and prepares us to finally retire with confidence while leaving a legacy for our loved ones.

But it’s not enough to save, socking money away and earning bare-minimum interest. Your family’s financial future is best served by managing your hard-earned dollars with a plan designed to minimize your tax exposure and ensure your financial goals become financial realities.

At Meld Financial, we employ a team of CERTIFIED FINANCIAL PLANNERSTM, investment managers, tax consultants and legal specialists that have the cumulative skills to manage any situation that you could encounter. Our process starts when you meet with our team to develop your Financial FingerprintTM. Your Financial Fingerprint™ is a personal plan that is quick to assemble, easy to understand, and simple to modify as circumstances change.

Wealth Management Articles

Wealth managers are key to your investment strategy.
5 Characteristics of a Quality Wealth Manager

School of Financial Wellness

Looking for a good wealth manager? We pulled together our list of the 5 most important qualities to look for as you start your search.

A guide to maintaining your financial health
Your 2-minute guide to a full financial checkup

School of Financial Wellness

Maintaining good financial health requires regular checkups to take stock of everything from retirement savings to the status of your emergency fund.

Managing your finances like the wealthy
10 Ways to Manage Your Finances Like the Wealthy

School of Financial Wellness

If you ask 100 wealthy people how they attained their fortune, you are likely to hear 100 different answers. But one point on which many of them will agree is that it’s much harder to get wealthy than it is to stay wealthy.

We Bring It All Together For You

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Comprehensive Wealth Management starts with a 90-minute meeting where you and a CFP® will develop your Financial Fingerprint™ together.

A Financial Plan Customized for Your Situation

To effectively manage your finances, you need a plan. Most people already know this. However, what you may not know is financial plans are not created equal. The quality of your financial plan depends greatly on the quality of your financial planner and the resources they have at their disposal.

Just like financial plans, not all financial planners are created equal. At Meld, our financial planners carry the CFP® designation (short for CERTIFIED FINANCIAL PLANNER™). While the CFP® designation is not a silver bullet, it does require applicants to have a minimum level of education, several years of experience and the competence to pass a rigorous exam. This means you can rest assured that your planner has the proper foundation of education and experience to assist you in developing a robust financial plan.

But having a CFP® is not enough for most situations. To give you the best chance at meeting your financial goals, you need a team of wealth management professionals that can counsel you on matters ranging from estate planning to tax issues and legal matters. This helps to ensure your savings are growing in the most effective fashion. That’s why, at Meld, we’ve developed a process to determine your Financial Fingerprint™.

At its core, your Financial Fingerprint™ analyzes interactions between the three key components to a successful retirement: income, spending, and savings – together defining the rate of return your savings need to generate. Your Financial Fingerprint™ helps us to understand your unique situation in detail, so we can deploy our team of financial and legal professionals to optimize your financial future.

Financial Planning Articles

Key Financial Data for 2020 by Meld Fiancial - This image is a screenclip of the top of the 1st page of the pdf file
Key Financial Data for 2020

School of Financial Wellness

Our handy reference guide of 2020 financial data and information related to exemptions, deductions, tax brackets, Social Security, Medicare and more.

Be prepared for the new year with our year-end financial checklist.
Year-End Financial Checklist

School of Financial Wellness

Be prepared with our year-end financial checklist. Inside, we review 5 of the most important financial items to consider before year end.

A checklist of qualities to look for in a good financial advisor
The 5 Most Important Qualities to Seek in a Financial Planner

School of Financial Wellness

Looking for a good financial planner? We’ve compiled a list of the top qualities to look for as you search for the right advisor for you.

A Meld Financial CFP® will help you:

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ORGANIZE your current financial situation, needs and concerns.

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CLEARLY DEFINE where you stand regarding retirement.

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PROVIDE UNDERSTANDING of the MELD philosophy on retirement planning, managing investments and limiting risk.

Get your Financial FingerprintTM today.

Learn how your Financial FingerprintTM brings clarity to your Retirement Plan

For most, the largest and most important segment of financial planning pertains to their retirement. While many financial planners are shooting for a specific dollar amount in retirement savings, we take a slightly different approach.

In developing your Financial Fingerprint™, we work to understand your exact needs in retirement. From that knowledge, we project your investment income and spending so we can understand exactly how much savings you will need – and at what time you will need it. We firmly believe there is no “one size fits all” retirement savings plan. So, rather than aiming for a set retirement number and hoping that amount will keep you happy in retirement, we understand and adjust your plan based on your real-world situation. This allows us to pinpoint not only how much you will need, but exactly when you expect to need it.

While it’s great to know exactly what you will need to retire comfortably, you also need an effective plan to get there. At Meld, our team of financial planners and investment managers will optimize your holdings to make sure you’re saving and investing effectively – now, to help make sure you have what you will need in retirement. And when something changes with your situation, that impacts your Financial Fingerprint™. As your Financial Fingerprint™ evolves, we will move swiftly to adjust your investments to reflect your ever-changing goals.

Retirement Planning Articles

Mentally preparing for retirement
Mentally Preparing for Retirement

School of Financial Wellness

When planning for retirement you often think of the necessary financial resources. On the other hand, few have considered the mental challenges.

Retirement Planning Pitfalls
Retirement Planning Pitfalls

School of Financial Wellness

We’ve identified the 4 biggest mistakes people make when planning for retirement. Take 2 minutes to make sure you’re avoiding these retirement planning pitfalls.

Calculating medical costs in retirement can be difficult
How Much Will You Spend on Medical Expenses in Retirement?

School of Financial Wellness

Out of pocket medical expenses in retirement have been estimated by the EBRI to be in excess of $350,000 for many couples, a shocking figure for most.

Are You Ready?

financial fingerprint logo

In one meeting, you will learn if you are on track with your retirement.

A Meld Financial CFP® will help you clearly define your Financial FingerprintTM which will identify the path to your retirment goals.

Investments Selected for Your Unique Situation

It goes without saying: Investing is the backbone of every financial plan. At Meld, our in-house analysts and investment managers work with you to make sure your investments are a good fit for your situation. By consulting your Financial Fingerprint™, they match investments with your specific needs and goals. And as market conditions change, so will your investments.

We also believe that empowering you with knowledge is a win-win for everyone. So, we’ve created Meld University, a free offering to the public, which provides market updates and helpful online articles coupled with in-person and virtual events designed to help you meld our expertise with your unique situation.

Meld Financial’s clients understand that our relationship is not transactional. Our relationship operates as a partnership where our success is measured by your success. Our goal is to diminish your anxieties about your finances so that you can focus on what is most important to you – your job, your family, and reaching your goals.

Managing the costs of investing is critical. We have a variety of fee structures available and we work with you to determine the most cost effective means of delivering the services you need.

Investing Articles

How will coronavirus (covid-19) impact the markets?
Coronavirus (Covid-19) and Your Investments

School of Financial Wellness

The coronavirus outbreak is only about two months old, so it is premature to discuss how this potential pandemic will play out.

Sidewalk with Facts (left) and annuities (right) person deciding which way to go - Annuities - Myth vs Fact presented by Meld University
Annuities: The Basics, and the 2 Biggest Myths

School of Saving and Investing

Annuities have gotten a great deal of attention in the media lately. In this article we examine the basics and the 2 biggest myths surrounding investing in annuities.

family packing boxes
Situational Investing – The Concept

School of Saving and Investing

Situational Investing - the concept is simple at first glance. People know they should invest according to their specific situation, but it not that simple.