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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

Estate taxes illustrated by a house sitting on coins in front of a digital graph.
The Basics of Estate Tax

School of Saving and Investing

If you have a large estate, federal estate taxes – and in some cases state estate taxes – can reduce the inheritance you planned to leave.

What are Required Minimum Distributions (RMD’s)?
What are Required Minimum Distributions (RMD’s)?

School of Saving and Investing

Required Minimum Distributions are minimum withdrawals that must be taken from retirement accounts once you reach a certain age.

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

School of Financial Wellness

Looking for a quality wealth manager? We pulled together our list of the 5 most important qualities to consider during your search.

We Bring It All Together For You

financial fingerprint logo

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

A paper cutout of a family in front of someone signing life insurance documents.
What Type of Life Insurance Do You Need?

School of Financial Wellness

While the value of live insurance is clear, it can be challenging to choose the right type of policy for your family’s situation.

Estate taxes illustrated by a house sitting on coins in front of a digital graph.
The Basics of Estate Tax

School of Saving and Investing

If you have a large estate, federal estate taxes – and in some cases state estate taxes – can reduce the inheritance you planned to leave.

Choosing between saving for retirement and saving for college represented by parents walking with their high school graduate child around campus.
Should You Prioritize Saving for Retirement or Your Child’s Education?

School of Saving and Investing

You often must choose between saving for your own retirement or your child’s education. These factors can help you decide.

A Meld Financial CFP® will help you:

organize icon

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

A senior couple excited to learn about social security spousal benefits.
Do You Qualify for Social Security Spousal Benefits?

School of Social Security & Medicare

If you’ve ever been married, you could be eligible for Social Security spousal benefits. Learn whether you qualify for these benefits and how much income you could receive.

A wooden sign with the words “ready for tomorrow” printed on it.
How Medicare Impacts HSA Contributions

School of Social Security & Medicare

Health Savings Accounts are useful in many situations, but they have important limitations once you are covered by Medicare.

What are Required Minimum Distributions (RMD’s)?
What are Required Minimum Distributions (RMD’s)?

School of Saving and Investing

Required Minimum Distributions are minimum withdrawals that must be taken from retirement accounts once you reach a certain age.

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

Banking turmoil depicted by a bank sinking in water.
Banking Turmoil – Is Your Cash Safe?

School of Saving and Investing

Bank failures can be frightening for investors, but there are protections in place to prevent you from losing your funds.

A financial chart is overlaying two business people shaking hands.
What is SmartScreen™?

School of Saving and Investing

SmartScreen™ ensures that funds included in our clients’ portfolios meet our high standards.

“IRA” and “2023” on wooden signs placed on a desk with various office related items.
IRA Contribution Limits in 2023

School of Saving and Investing

Individual Retirement Accounts [IRAs] – referred to as retirement ‘arrangements’ by the IRS – can be an easy, flexible way to increase retirement savings and lower your tax bill. This year, you can contribute more to these types of plans. Incorporate the new, higher limits into your financial plan as soon as possible to make... Read more »

Why Meld Financial?

Meld Financial, Inc. is an independent wealth management firm located in Birmingham, AL.

We specialize in financial planning, investment management, employee benefits and executive benefits for individuals, families, trusts, foundations and institutions.

We provide independent and objective services melded with customer-driven financial goals.

Mark McGarvey - Founder - Meld Financial

“We will always recommend the same course of action we would choose for ourselves, given the same circumstances.”

-Mark McGarvey, Founder