But without a plan, a dream is just that – a dream.
MDL offers a sound, long-term financial plan to grow your assets to their fullest potential. We will integrate your current tax optimization needs, insurance requirements, and estate into a comprehensive financial plan. That way, every aspect of your financial life is optimized and works harmoniously to build your financial future.
MDL Financial will manage the complexities of building a coherent financial plan. Our comprehensive approach will provide you and your loved ones with a secure financial future and peace of mind. Peace of mind means making room to enjoy life’s sweetest moments, today and tomorrow.
Planning is the first and most crucial step in building and securing a solid financial future for you and your loved ones. An MDL Certified Financial Planner will develop your financial plan specific to your needs, focusing on what it takes to secure and optimize your financial plan over the long term. We will help you with critical decisions about cash flow, investments, taxes, and insurance needs as you plan for your eventual retirement.
Unbiased and Customized Financial Plans
Fully transparent fees and personalized advice delivered by a qualified financial planner.
Choose from 1 of the 4 options below:
Our Financial Planning Process
Step 1: Establishing the client-advisor fit
We explore if our services are a fit for your needs. We explain and document the services to be provided as well as define the key roles & responsibilities in the engagement.
Step 2: Financial intake and goal setting
We will ask about your financial situation, personal and business financial goals and assess your tolerance to risk. We then gather all necessary documents and financial information at this stage before giving you any sound advice.
Step 3: Analyzing and evaluating the client’s financial situation
We analyze the information to assess your current situation to determine what must be done to achieve your goals and aspirations. Depending on the services requested, this assessment could include analyzing your assets, liabilities and cash flow, articles of incorporation (business), current insurance coverage, investments, wills and POA or tax strategies.
Step 4: Developing and presenting the financial recommendations
We will offer our expert advice and recommendations that address your goals, based on the information you have provided. We review your financial plan with you to allow you to make the best informed decisions. We listen to your concerns and considerations, and revise our recommendations as appropriate.
Step 5: Implementing the financial plan
We work with you to agree upon how each recommendation should be carried out. Together, we may choose to have us carry out the recommendations for you or serve as an accountability partner, coordinating the process with you and other professionals such as lawyers and/or mortgage brokers or you may simply chose to implement the recommendations on your own.
Frequently asked questions
Not at all. We charge for advice and for the plans we develop. After that you are free to hire anyone you like to handing the investment process.
We are a completely independent advisory service. We are not connected to any financial institution or its products. Our goal is to find the best combination of products that are available and will help you achieve your goals.
No. We do not receive any commissions on investment products from our financial planning clients. For those who choose our Wealth Management Service, we take a fee as a percentage of the assets we manage. These are fully disclosed. According to industry practice, we can receive a commission on insurance purchases. All of our fees and commissions are transparent. We voluntarily provide all information without being asked.
No. Although we are often asked to make recommendations of professional specialties, we do not accept any commissions or fee splits.