Our Services


Comprehensive Wealth Strategies


If you own a small or mid-sized business, you know that the pressures of the moment can often distract you from your long-term goals, specifically the priority of planning for the future. This is where an advisor who takes the time to understand you, your business and the unique challenges you face can play a critical role in helping you pursue important goals.

M Financial can help you align your objectives and needs with your future goals. Whether you are focused on preserving, creating, transferring or distributing wealth, M Financial can help you carefully craft and implement a plan to make the most of your accumulated assets and earnings.



Focusing on What’s Most Important to You


M Financial is committed to helping you meet your wealth management needs by incorporating strategies designed to protect and build your wealth. This helps ensure that you can maintain the lifestyle you have worked many years to achieve.



Doing The Right Things at the Right Time


At M Financial, we understand the time crunch self-employed professionals face. We offer the quality service and planning that can prove most valuable for your future:



  • Comprehensive wealth management encompassing retirement, investment and business planning
  • Distinctly personal and sustained service (our average client relationship exceeds 20 years).

     


We listen to you to learn what you want to accomplish, and after careful consideration, we present a strategy we feel will help you pursue your goals, and forecast the possible outcomes from different financial decisions.

 

That’s just the beginning. M Financial serves as your guardian, actively supervising your financial progress, the state of your portfolio, and your insurance and estate plans. So as you build your business and prepare for your desired outcome, you have advisors dedicated to managing your wealth for life.

We offer these and other important wealth planning services through LPL Financial:

Comprehensive Financial Planning

Financial planning is at the very core of the life planning services we provide to individuals and families seeking to build, preserve and manage wealth over time.

Retirement income planning, education planning, tax and estate planning, and risk management services are components of a larger, more comprehensive financial plan designed to achieve multiple financial and lifestyle goals. Your plan also helps provide for your heirs and define the legacy you choose to leave.



  • Succession plans
  • Company-sponsored retirement plans
  • Buy/sell agreements
  • College planning


As we create and maintain your financial plan, we often collaborate with your existing professional advisors (CPAs, legal experts and other specialists) to ensure that your short- and long-term goals are being addressed.

Retirement and Estate Planning

Whether you are in the accumulation phase or have already retired, a well-constructed strategy is crucial to:



  • Meeting your retirement income needs, desires and expenses
  • Maintaining lifestyle choices and priorities
  • Ensuring that long-term goals and aspirations are funded for travel, healthcare, estate planning, charitable giving and other goals


We can help you develop a comprehensive plan to:



  • Identify and pursue your lifetime income goals
  • Minimize taxes on income—now and during retirement
  • Evaluate the variables in your retirement plan to ensure alignment with your objectives


We understand that preserving wealth from one generation to the next can be complex and time-consuming. Guidance from a competent, experienced advisor can go a long way toward helping make sure your financial success is shared with your family, friends and the charitable organizations you designate, according to your wishes.

We will help you articulate your estate planning goals and we will work closely with your tax and legal advisors to ensure your financial plan reflects your estate planning needs. Or, if you prefer, we can provide our own team of professional advisors adept at the intricacies of estate and tax planning. Whether you use a trust or another method for accomplishing your long-term estate planning goals, we can assist you in navigating today’s complicated tax and estate laws.



  • ESTATE PLANNING
  • Wealth transfer strategies
  • IRA consolidations and rollovers
  • Retirement income distribution strategies
  • Annuity planning


Retirement Plans for Self-Employed Individuals and Businesses

M Financial provides a remarkable level of care and attention and can assist you in obtaining the most for your business dollar by advising you on employee benefits plans, deferred compensation plans, succession plans and other business-centered financial strategies. Of course, we can also address more specific concerns on a per-project or hourly fee basis.

Investments and Tax Planning

Our clients require sophisticated and attentive asset management to maximize their portfolios’ total returns in light of their risk tolerance. We construct your investment portfolio after an exhaustive analysis of your risk tolerance, investment objectives and time horizon.

After discovering these factors, we design an investment strategy based on your unique needs. The key to effective asset management is creating and maintaining a diversified investment portfolio that is designed to work for many years.

And because nearly all financial decisions have tax ramifications, our team of experienced professionals can help coordinate the various aspects of your financial plan to maximize tax-efficient strategies in line with pursuing your overall financial goals.



  • Asset allocation modeling and guidance
  • In-depth monitoring, research and due diligence
  • Tax-reduction strategies
  • Charitable planning


Insurance Planning

Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of financial planning. Closing the gap on potential risks can be tricky without a comprehensive plan and process that methodically evaluates all potential risk factors.

That’s why risk analysis is an integral part of our ongoing process. We continually identify and analyze all risk factors and make objective and unbiased recommendations to provide you with the peace of mind you seek.



  • Individual life insurance
  • Disability insurance planning
  • Long-term care insurance
  • Group insurance for businesses, including life and key person coverage



The WealthVisionSM Advantage


We provide a secure, customized website that allows you and designated family members to see a complete real-time snapshot of every financial balance you have across financial accounts and institutions. With your permission, the site can be accessed by your other trusted advisors, including attorneys and CPAs.

24/7 access to account information and activity

This complete aggregation of balances from your checking, savings, investment accounts, credit card companies and mortgage companies provides you with an accurate, daily net worth statement that then dynamically overlays your financial plan, enabling you to see if you are on track every step of the way.