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

The 10 Best States for Retirement

School of Financial Wellness

Where you retire can make a major impact on your retirement plan. Some states are better for retirees than others, so here’s our top 10.

‘Retirement Guide’ written on a stack of papers with a human hand holding a pen – meant to represent a retirement planning resource guide
Retirement Planning Resource Guide

School of Financial Wellness

Preparing for retirement involves considering your vision for the future and setting aside funds to bring your dream to reality.

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

Key Financial Data for 2021 by Meld Financial - This image is a screenclip of the top of the 1st page of the pdf file
Key Financial Data for 2021

School of Financial Wellness

Our handy reference guide of 2021 financial data and information related to exemptions, deductions, tax brackets, Social Security, Medicare and more.

A fishing line that has hooked a credit card with a pile of other credit cards lying on a keyboard. This is meant to indicate phishing.
COVID-19 Scams and How to Protect Yourself

School of Financial Wellness

Scammers are looking to exploit the oddity of the current COVID-19 pandemic as they use old scams in new ways to target the most vulnerable.

2021 Social Security Cost of Living Allowance [COLA] Update. Meld University Logo on top of a pen, paper with budget figures, and a calculator
Social Security Cost of Living Adjustment [COLA] for 2021

School of Social Security & Medicare

The Social Security Administration announced the Cost of Living Adjustment for 2021. Learn how this change could impact your finances.

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

map of the united states with tags on the worst states to retire
The 10 Worst States for Retirement

School of Financial Wellness

Planning the location where you retire can be as impactful to your retirement plan as the amount of money that you have saved.

Social security card lying on top of a pay stub listing payroll taxes such as Medicare and Social Security – indicating changes to Social Security Benefits due to COVID-19
COVID-19 Pandemic: Impact on Social Security

School of Social Security & Medicare

The COVID-19 pandemic is changing everything, including Social Security. Patricia L. Burris, CFP® discusses these impacts, so you know what to expect.

The 10 Best States for Retirement

School of Financial Wellness

Where you retire can make a major impact on your retirement plan. Some states are better for retirees than others, so here’s our top 10.

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

Lightbulbs and a notebook with do and don’t written on it.
Financial Dos and Don’ts During a Pandemic

School of Financial Wellness

2020 has changed our lives dramatically, but it’s important to maintain financial discipline. These tips will help you stay on track.

Year End Financial Checklist provided by Meld University – series of checkboxes and a pen with Meld University Logo
Year-End Financial Checklist

School of Financial Wellness

With 2020 coming to an end, it is time to revisit your financial plan and evaluate your options to minimize your tax burden.

Paper cutout of a retired man and woman holding hands, standing on top of stacks of quarters, indicating they’ve taken steps to secure their retirement plan
5 Important Steps to Retirement Planning

School of Financial Wellness

Retirement planning is a complex process, but there are some basics. These 5 steps will get you on the right track to planning for your retirement goals.

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 - Chairman - Meld Financial

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

-Mark McGarvey, Chairman