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WE HELP OUR CLIENTS GAIN CLARITY AND CONFIDENCE IN THEIR
FINANCIAL AND INVESTMENT GAME PLAN

WHAT WE ACCOMPLISH TOGETHER

Life and money. Money and life. It can all feel like a big overwhelming mess. You may feel stressed out, frustrated, confused and at times, helpless. We understand.

Our mission at MND Wealth Management is to provide a service that leaves you feeling educated, clear and confident around your financial life.

We start by understanding you and your current financial life. We ask a lot of questions, actively listen, and collect and analyze data in order to truly understand your financial ecosystem today. We then build a financial game plan together that is thoughtful, flexible and comprehensive to best serve your goals for today and tomorrow. 

There are dozens of financial planning related issues that one needs to consider. The most common areas that we will work through with you include: ​

  • Household budget and cash flow needs 

  • Investment allocation and diversification strategies

  • Asset allocation review

  • College savings and financing plans for kids

  • Estate plan considerations and document review 

  • Mortgage paydown analysis 

  • Debt repayment strategies 

  • Risk management and insurance review

  • Social Security planning assessment

  • Retirement needs analysis

  • Career planning and transitions 

  • Relocation decisions 

  • Healthcare coverage considerations  

  • Tax efficient charitable giving strategies

While our office is based in Ann Arbor, Michigan, we work with clients who live throughout the United States.

HOW WE WORK TOGETHER

ONGOING FINANCIAL PLANNING & INVESTMENT MANAGEMENT

We work with our clients on an ongoing basis to address their key financial planning and investment goals. During our first three to six months together, we focus our time on understanding your goals, concerns and priorities. Next, we develop a comprehensive baseline financial game plan that includes an action plan around the key areas of your financial life. Following this initial onboarding period, we will meet one to two times per year to monitor your progress towards your goals and consider any adjustments that we need to make. We are always accessible to you as life will inevitably happen and questions will arise.

We offer investment management services for our ongoing financial planning clients. We manage your investments on a discretionary basis using Charles Schwab as custodian. We primarily use low-cost, passive index funds that help to reduce unnecessary portfolio complexity and turnover. We monitor your investment accounts and rebalance periodically with a focus on opportunities to harvest tax-losses and gains, as appropriate.

Your fee will be agreed upon prior to entering a formal engagement with us. Fees are charged quarterly and will be deducted directly from your investment accounts at Charles Schwab. If we are not managing your investments, your fee can be paid by an electronic funds transfer.

PROJECT-BASED FINANCIAL PLANNING

We offer new clients the opportunity to work with us on a short-term, project-based comprehensive financial plan. We work together with you on your most pressing issues and provide a roadmap with recommendations to help you develop a game plan for your own implementation. This is a great opportunity for interested clients to experience what it will be like to work with us. Clients have the option to move to an ongoing relationship at the end of our engagement. 

Your fee will be agreed upon prior to entering a formal engagement with us. One half of the fee will be paid upfront and the remainder is paid upon project completion. We also offer clients the option to work with us on an hourly basis. Fees are paid either via check or an electronic funds transfer. 

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