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What We Do


Everything we do starts with developing a comprehensive financial plan that details your projected income, expenses, and investments from now throughout retirement. Vital Components of this plan are:

Investing with a Purpose: We take the time to get to know you and all the specifics of your situation so we can make certain that every dollar invested is invested with a specific purpose in mind.

Discipline: Over any extended period, the markets will experience both euphoric highs and distressing lows. These experiences can invoke an investor’s fear or greed, tempting them to abandon a well thought out investment plan. Our experience has taught us to remove emotions from the process, so together we maintain a disciplined and defined approach to managing your financial plan.

Appropriate Risk: It is widely accepted that asset allocation is the most important determination of the long-term performance of a portfolio. Therefore, the percentage of your portfolio invested in various asset classes will be in accordance with your financial plan, risk tolerance, and time horizon.

Cost-Effectiveness: Our structured mutual fund selection process compares thousands of mutual funds against each other net of fees. This way we can gain a true picture of the performance of the funds and ensure that our selections are cost-effective.

Rebalancing: Given the importance of selecting an appropriate asset allocation, it is also vital to maintain that allocation over time. Since investments produce different returns over time, a portfolio can drift from its target allocation, creating new risk and return characteristics which may be inconsistent with the original plan. At Meld, we examine each client’s portfolio on a regular schedule and recommend changes as needed.

Tax-Awareness: Proper tax minimizing strategies are a key component to success.

Withdrawals: Withdrawal strategies involve managing your cash flow needs while taking into consideration your portfolio, pension benefits, social security benefits, and taxes. Our goal is to implement tax-efficient withdrawal strategies to minimize your tax burden.

Create an Investment Plan to Achieve Your Goals

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.

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.

Our Financial Planning process 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. This Plan 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.