Financial Planning

A plan that connects every financial decision.

Your goals deserve more than a collection of accounts. MRA brings cash flow, investing, taxes, insurance, estate planning, and risk into one practical plan.

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The Planning Process

A plan is a living conversation.

Start at any point. Each stage informs the next, keeping the decisions in your financial life connected as it evolves.

Ongoing PartnershipLasting impact.

Select a stage to explore the process.

Stage 01

Discover & Listen

We start with the decisions, values, goals, and people that matter to you, then learn what they may affect.

Research Spotlight

The value of a financial advisor.

Advice is more than selecting investments. It can help connect decisions around spending, taxes, risk, investments, and the financial choices that shape retirement.

13,400+

Investors surveyed by Vanguard in its 2025 advice-value research.

The study found that investors value advice across four areas: financial planning, portfolio management, peace of mind, and time savings. Peace of mind was the most frequently selected single reason for seeking advice.

Read the research

Your First Conversation

What to expect from a meeting with an MRA Advisor.

Come with the questions that matter most. Leave with a clearer sense of the conversations that may deserve attention next.

Meet an Advisor

What happens in the first meeting?

Your conversation begins with the questions most important to you. An MRA advisor will listen to your goals, concerns, and priorities, then explain how planning, investing, taxes, insurance, and estate decisions may connect.

Do I need to bring financial documents?

No. You can start with a conversation about what is on your mind. If a deeper review would be helpful, your advisor can explain which information may make the next conversation more useful.

Will I receive a financial plan during the meeting?

The first meeting is an opportunity to understand your situation and discuss whether MRA may be able to help. It is not a financial plan, investment recommendation, tax opinion, or commitment to work together.

Am I required to become a client?

No. Scheduling a conversation does not create an advisory relationship or obligate you to become a client. Any advisory relationship begins only after the appropriate review and a written agreement.

Year One

A disciplined process. A year-round partnership.

Your first year moves from discovery to implementation, with regular check-ins that keep your plan connected to real life.

Ready to turn your questions into a coordinated plan? Schedule a complimentary conversation with an MRA advisor and see what your next step could look like.

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Comprehensive Financial PlanningSample Meeting Cycle - Plus Service.First year

Select a meeting to explore the first year.

Start

Initial Meeting

We learn about your goals and objectives, then define the initial scope of work.

WealthBuilder Planning

See how your financial decisions connect.

WealthBuilder Planning is an advisor-guided experience for individuals, families, retirees, and business owners. The technology helps MRA organize your financial life, explain tradeoffs in plain English, and keep the conversation current as your life changes.

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Planning for retirement

Move from retirement uncertainty to a more connected view.

WealthBuilder Planning helps you and your MRA advisor bring income, spending, investments, taxes, health care, and family protection into one retirement-planning conversation.

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Questions you may be asking

Will my savings support the retirement I want?
When might I be financially prepared to retire?
How much could I reasonably spend in retirement?
When should I claim Social Security?
How should Medicare, health care, and taxes be reflected?
What happens if markets decline early in retirement?
How can my plan protect my spouse or family?
How should investment risk change as retirement approaches?

How WealthBuilder Planning can help

Retirement-readiness and timing comparisons
Spending, income, and portfolio-withdrawal projections
Social Security, Medicare, and health-care assumptions
Tax-aware retirement and market-risk scenarios
Survivor, longevity, insurance, and estate-planning considerations

Retirement Readiness

How ready are you for retirement?

Take the Retirement Readiness Quiz to see how your income, investments, taxes, health care, and legacy decisions may be working together.

Take the Retirement Readiness Quiz

Retirement Income Planning

Three tax treatments. One retirement-income plan.

Retirement income is not only about how much you withdraw. It is also about where each dollar comes from. Holding assets with different tax treatments can create more choices when you coordinate spending, withdrawals and taxes over time.

Talk through your retirement income plan

Select a source to see how it can contribute.

Retirement

IncomeTaxableAfter-tax savings can provide flexible retirement withdrawals, with taxes depending on the income and gains involved.

Taxable

Brokerage accounts, bank accounts and other after-tax savings

Money in: After-tax dollars go in.
While invested: Interest, dividends and realized gains may create current taxes.
Money out: Withdrawals may include principal; taxes depend on the income and gains involved.

Tax-deferred

Traditional IRAs, pre-tax 401(k)s and similar retirement plans

Money in: Often pre-tax or deductible contributions go in, subject to plan rules.
While invested: Earnings generally are not currently taxed.
Money out: Distributions generally are taxed as ordinary income; exceptions and basis can apply.

Tax-free

Roth IRAs, Roth 401(k)s and other qualifying accounts

Money in: After-tax dollars go in.
While invested: Potential growth can receive tax-free treatment when rules are met.
Money out: Qualified withdrawals may be tax-free.

Why it matters

More than one way to fund the next chapter.

A mix of account types may give you greater flexibility to sequence retirement withdrawals around your spending needs, tax situation, required distributions and long-term goals. The right approach depends on your complete circumstances.

Tailored Services

Choose the level of support that fits your life now.

Both services bring the important parts of your financial life into one ongoing relationship. Plus adds more frequent planning conversations and deeper tax and estate coordination.

Explore Executive Financial Planning →Explore Financial Planning for Doctors →Explore Financial Planning for Women →

Core Service

$69/month

Build the foundation.

For a coordinated starting point with an advisor, practical planning tools and a clearer view of your next steps.

A dedicated wealth advisor, with typically two meetings or check-ins each year based on your situation.
Goal planning and tracking with personalized strategies to help you move toward what matters most.
Budget support and an organized view of your financial life—anytime, anywhere.
Asset-allocation and portfolio-construction guidance across your investment holdings.
Access to MRA Investment Committee market intelligence, plus financial literacy articles and videos.
Insurance-planning guidance for life, disability and long-term care coverage.

Talk through Core →

Plus Service

$92/month

Go further into the details.

For clients who want the Core foundation with more frequent conversations and closer coordination around tax and estate planning.

Everything included with Core Service.
Estate-planning guidance to help keep your intentions and documents connected to the wider plan.
Tax strategy and planning built into the financial conversation, not treated as an annual afterthought.
Typically four meetings or check-ins each year, based on your situation.

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A Connected Approach

One decision can affect the rest.

MRA brings planning, investing, taxes, insurance, estate planning, and business strategy into the same conversation when they matter to your next decision.

Meet an Advisor →