Approaching retirement
The 401(k) is big, the pension choices are confusing, and the date is real.
You need an income plan, Social Security timing, a healthcare bridge and a tax-smart withdrawal order, not a brochure.
Retirement planningIndividuals & Families
A fiduciary financial advisor, leading a team of specialists.
Your advisor, our CPAs and estate planners at one table: investments, taxes and estate as one plan, matched to your family's situation.
One family, one table
Your entire team, at one table.
Your Senior Financial Advisor leads a service team built around your family: a Financial Advisor, an Investment Analyst, a CPA, an Estate Planning Advisor and a Client Service Associate, all working from one picture of your finances. When life changes, you make one call.
What do the wealthiest families do? They put a team around it. We think every family we serve deserves the same.
Our wealth management engagements are designed for households with $2,000,000+ in investable assets.
Talk With an Advisor
Thirty minutes with an advisor. No cost, no obligation.
Where are you?
Every family arrives with a version of the same questions.
Do I have enough?
Will it last?
Will it pass on well?
After a sale or windfall
Sudden money has sudden tax consequences.
The first year matters more than the next ten. Our CPAs model the tax picture before the decisions get made for you.
Tax planning & preparation
Wealth across generations
Parents, kids, trusts, gifting, and nobody coordinating.
Coordination is the difference between an estate plan and a pile of documents. Ours gets executed: retitled, funded, finished.
Estate & legacy planning
Advice in three places
An advisor here, a CPA there, an estate planner from years ago.
Nobody has the whole picture, and the gaps between them are where money leaks. We put the whole team at one table.
Wealth management01 / 04
The rhythm of the relationship
Planning is a loop, not a calendar.
The cadence is set to the client, not the calendar. Some families meet quarterly, some annually, and the work between conversations is continuous: each topic is reviewed, a recommendation is made, the decision is implemented, and the result is monitored until it comes around again.
Your plan
Reviewed on your cadence
Net Worth & Asset Management
- Full balance sheet and net worth review, with historical tracking
- Outside assets and liabilities, kept current
- Coordinate the MCF portfolio with everything you own
- Capital market outlook
Risk Management & Risk Budgeting
- Budget portfolio safety needs on a 7–10 year cash flow
- Social Security planning
- Stress-test growth rates, spending, mortality and gifting
- Insurance evaluations
Legacy & Estate Planning
- Estate documents review and trust work
- Beneficiary and titling review
- Business succession
- Income tax efficiency of transfers and estate tax planning
Income Tax Planning
- Harvest losses
- Asset placement, pre-tax vs. after-tax
- Plan future income for ideal marginal rates
- Roth conversions and charitable giving
Topics are illustrative and may vary based upon client circumstances and engagement.
Forward tax planning
Tax decisions happen while the year is still open.
MCF’s CPAs keep a working projection as life changes. For qualifying relationships, the same team also prepares and files the return, connecting year-round planning to April.
Explore tax planning & preparationFor qualifying relationships
Tax preparation and filing are offered within qualifying MCF client relationships. We’ll tell you plainly where you fit in the first conversation.
Tax planning, tax preparation, and accounting services may be provided through affiliated entities, independent professionals, or separate engagements. Such services are not included in investment advisory services unless specifically agreed upon in writing.
What we do
What your plan covers
Eight kinds of work, one accountable team. In the first conversation we map which of them your situation actually needs.
Social Security and Medicare timing
Beneficiary and account-titling audit
Insurance and risk review
Charitable and family gifting
How it runs together: wealth management
Services are tailored to each client’s circumstances and engagement.
Questions
Fair questions, straight answers
Do you have a minimum?
Our wealth management engagements are designed for households with $2,000,000+ in investable assets. If you're not sure where you fit, tell us where you are. We'll be straight about it in the first conversation.
What happens in the first meeting?
Thirty minutes with an advisor: your goals, your questions, your current setup. No cost, no obligation, no pitch.
How do you charge?
An advisory fee based on the assets we manage, with fixed fees for standalone planning work. We explain it plainly in the first conversation, and the full schedule is in our ADV.
Who prepares my taxes?
MCF's CPAs: in-house, within qualifying client relationships. Your return is prepared and filed by the same team that plans around it all year.
Will I receive every service listed here?
Services are tailored to each client's circumstances and engagement. In the first conversation we'll map which services fit your situation, and tell you plainly where you fit.
Do I have to move everything at once?
No. Many families start with one piece, and the plan tells us what order makes sense from there.
Your path forward.
Every first conversation starts with the same three questions.
What does an ideal financial partner look like for you?
What is one thing your current advisor isn't handling the way you'd like?
Is there a decision or transition on the horizon you haven't fully planned for?
Thirty minutes with an advisor: your goals, your questions, no cost, no obligation.