Our Services

Investment Management

Having a well defined investment strategy is useful now and into the future. It serves as a road map to temper decisions that might otherwise be based on intuition or emotion. Investment planning includes establishing your goals, developing defined strategies to achieve those goals, implementing these strategies and monitoring your progress in attaining those goals.

1. Set Goals – the goal setting process begins with an initial meeting at which we’ll gather basic financial and non-financial data. The first step in developing an investment strategy is to understand your unique goals and objectives.
2. Develop Strategy – After thorough analysis and planning, we will help you develop a long range investment strategy designed to achieve your goals and objectives. The output of the goal-setting and planning process will be a written Investment Policy Statement. This document will formalize in writing your financial and non-financial goals, investment time horizon, tolerance for risk, and expected investment returns.
3. Follow Up – Your relationship with ML&R Wealth Management LLC is an ongoing process that continuously monitors and benchmarks your progress toward achieving your stated goals and objectives. You will be encouraged to meet with us on a quarterly basis to review your Investment Policy Statement and investment performance. As your life and circumstances change, it is essential that you continually review where you are and what new steps need to be taken. We will assist you in this process.

Qualified Retirement Planning - 401(k)

We provide investment advisory, fiduciary compliance and plan design consulting services to employers who provide retirement plans to their employees. An added benefit to our services is that we assist our employer clients in finding third party providers to take care of the other required roles, such as third party administrator and record keeping. Our investment advisory service offered to employers follows the same philosophy as the advisory service we offer to our individual and trustee clients.

Estate Planning

Estate planning is the process of developing a strategy to facilitate the transfer of your personal assets to your beneficiaries. At ML&R Wealth Management LLC, we understand the importance of properly structuring and regularly reviewing your estate plan to ensure that it is addressing your family’s needs. While we are not attorneys and do not prepare any legal documents, we do work closely with our clients and their attorneys in developing a prudent estate plan.

Retirement Planning

When considering retirement, you must ask yourself some important questions: What were the things I did not have time for when I was working? What activities do I enjoying participating in most? Retirement planning encompasses analyzing current retirement assets, estimating anticipated contributions and earnings, and projecting future anticipated living needs. We feel that planning for inflation and incorporating probability analysis are key components in developing a prudent retirement plan. Our goal is to help you develop a long range retirement plan that will allow you to obtain financial independence and maintain your standard of living.

Income Tax Planning

Income tax planning is an integral part of an investment strategy. Income tax planning allows you to maximize your legitimate deductions and reduce or eliminate federal, state, and local taxes. The tax professionals of Maxwell Locke & Ritter LLP will assist us in structuring an investment strategy that maximizes your after tax investment returns and minimizes any wealth transfer taxes.

Education Planning

Education planning analyzes your desire to provide advanced education for dependents. As with any other planning decision, the education plan that is best for your family depends on your unique situation. Some of the factors to be considered are the number of years until your children begin college, the level of funding, private or public education, etc. We will work with you to develop an education funding strategy that makes sense for you.

Insurance Alliances

Risk reduction and asset protection strategies are designed to insulate your family and your assets, and your income from potential loss. For many people, the ability to earn an income is their most valuable asset. Losing that ability would have a devastating effect on their families. Through ML&R Financial Services, LLC we have developed strategic alliances with several independent insurance agents that will work with you to develop a plan to protect your assets and provide for resources in the event of death or disability.

Over the years, we have provided professional investment advice to help our clients develop an appropriate wealth management plan while working with them to create an investment strategy to carry out those plans. We are here to build enduring relationships with all of our clients. We offer services to help you achieve financial strength through expert advice and regular communication.