Wealth Management
Your advisor leads a coordinated team of specialists (planning, tax, investments, insurance and estate), helping simplify complexity and align every part of your financial life with your goals.
The MCF Advantage
We measure success by how well we show up in every financial decision and every life moment, from initial strategy through disciplined execution and ongoing guidance. As fiduciaries, each recommendation is guided by your best interests.
By your side in every financial decision and life moment, planned and unplanned.
In-house tax, accounting, planning and estate resources, all under one roof.
One advisor. One strategy. Every element of your financial life working together.
Our motto
Preparation, not prediction.
Nobody can tell you what markets, tax law or life will do next. What we can do is prepare: disciplined planning, broad diversification, and maintaining a long-term focus, so that when something changes, the plan already has a place for it.
The triangle is how we get there. Client experience sits at the point, and it only holds when the team and the firm underneath it are sound.
How we work together
Your advisor is the one call: the person who knows your family and the whole balance sheet. Behind them: planners, CPAs, investment analysts, insurance specialists and estate counsel. No handoffs. One strategy.
What the plan holds
Services are tailored to each client’s circumstances and engagement. Not all services described are provided to every client.
Legal services are provided by licensed attorneys through separate legal engagements where applicable. MCF Advisors, LLC is not a law firm and does not provide legal advice.
Your personal CFO
A Lead Advisor who knows your whole balance sheet, backed by planners, CPAs, investment analysts and estate advisors. Cash flow, taxes, investments, estate, insurance, business interests: one team accountable for the whole picture, the way a chief financial officer is accountable for a company’s.
Our wealth management engagements are designed for households with $2,000,000+ in investable assets.
Advisory fees are based on assets managed, explained plainly in the first conversation, and stated in your agreement. MCF does not receive commissions for its investment advice.
Thirty minutes with an advisor. No cost, no obligation.
“Life doesn’t happen in a straight line for many families, so why wouldn’t you want an experienced, caring, trustworthy, knowledgeable team working for you?”
Personal CFO services
A company has a finance function: someone who knows where the money is, where it is going, and what the statements say. For the families we serve, that is the Lead Advisor and the team behind them. The reporting, bookkeeping and preparation that a complex household generates can be handled here, so the picture your advisor plans from is complete and current.
Scope is agreed in writing at the start, and in the first conversation we’ll map which of these your situation calls for.
Personal CFO Services
Complex planning, one picture
Executive pay, company stock, deferred compensation and education funding each carry their own timing and tax decisions. Your Personal CFO team models them inside the whole plan, so one decision accounts for every other.
Services are tailored to each client’s circumstances and engagement. Not all services described are provided to every client. Services may be provided through affiliated or third-party professionals and may require separate engagement agreements.
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.
Planning examples
Three situations we plan around often, shown with hypothetical numbers so the mechanics are visible. Your plan is built on your numbers.
Concentrated stock position
HypotheticalA retiring executive holds $2.4 million of employer stock, 62% of the portfolio, with a low cost basis.
Staged sales
Three tax years, sized to each year’s projection
Gains checked
Against the bracket before each trade
Proceeds
Redeployed across the three buckets
Hypothetical, for illustrative purposes only. Not based on actual client results.
Reallocation scenario
Hypothetical$1.8 million across nine inherited accounts, 84% in equities, carrying $310,000 of embedded gains.
Transition
Staged over 18 months
Gains realized
Where harvested losses can offset them
Bonds and diversifying strategies
Built as positions are sold
Hypothetical, for illustrative purposes only. Not based on actual client results.
Tax scenario
HypotheticalIncome drops from $410,000 to $96,000 in the first year after retirement, before Social Security and required distributions begin.
Roth conversion
Sized to the top of the target bracket
Medicare premiums
Checked against IRMAA thresholds first
Future required distributions
Drawn from a smaller pre-tax base
Hypothetical, for illustrative purposes only. Not based on actual client results.
Hypothetical, for illustrative purposes only. Not based on actual client results. Services are tailored to each client’s circumstances and engagement. Not all services described are provided to every client.
Questions
Financial planning, investment management, forward tax planning, insurance and risk review, and estate coordination, delivered together by one team, led by your advisor. Services are tailored to each client's circumstances and engagement. Not all services described are provided to every client.
We can, and often do: your advisor will coordinate directly with the professionals you already trust. For qualifying relationships, much of that work also happens in-house, with tax preparation by MCF's CPAs and estate document work through estate planning counsel. Services are tailored to each client's circumstances and engagement. Not all services described are provided to every client.
Our wealth management engagements are designed for households with $2,000,000+ in investable assets. Relationships are matched in the first conversation: tell us where you are and what you're trying to accomplish, and we'll be straight about whether MCF is the right fit.
On a cadence set with you, not by a calendar. Some families meet quarterly, some annually; between conversations the work is continuous, and when life changes you make one call. Net worth, risk, estate and tax each come back around on the planning loop.
Yes. MCF Advisors is an independent, SEC-registered investment adviser. As fiduciaries, each recommendation is guided by your best interests.
Thirty minutes with an advisor: your goals, your questions, your whole picture. No cost, no obligation.
