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 a conversation—getting to know you, your values, goals, and what truly matters.
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.
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.
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.
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.
02
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.
03
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.
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.
