What We Do
Our Services
At Meridian, we create financial plans and investment portfolios grounded in a thorough understanding of your life and goals, backed by objective, low-cost, and a diversified selection of investments.
Whole Life Financial Planning
Clarifying your path begins with a highly detailed personal financial plan.
In order to build that plan, we'll walk through three steps together to:
- 1.Help you to clarify your values and goals to understand where you want to be in the future.
- 2.Examine your full financial picture (assets, debts, income, etc.) to get a clear picture of where you are now.
- 3.Build a custom financial roadmap representing the clearest path to that future.
As we go, we'll work with you to strategically integrate all your financial resources – assets, income and advisors – along that path.
After your financial plan is built, our team will implement and monitor it to help keep everything on track. We will accomplish this by:
- Creating a comprehensive set of financial statements, giving you a clear picture of your available resources.
- Monitoring and rebalancing portfolio allocations to keep your investments aligned with your risk tolerance and long-term goals.
- Checking in with you regularly to make adjustments as needed. Just as your life changes over time, your plan is a living document that can change along with your circumstances, values and goals.
Underpinning your plan is a close attention to safeguards, using insurance and estate planning techniques to keep you and your loved ones protected should the unexpected occur.
We can also recommend and work with other professionals, including your CPA, attorney, and insurance agent, to implement your plan and monitor for needed course corrections.
Get Started NowInvestment Management
Our smart, diversified portfolios are built to optimize your returns for long-term success.
Drawing on Nobel prize-winning research* and prudent investment theory, we'll build a smart, diversified portfolio that aligns with your goals and timeline and puts the dimensions of return to work for you.
When we manage your investments, you get a team who will:
- Manage your portfolio with an eye to minimizing expenses and mitigating tax impact, letting you keep more of what you earn.
- Study the markets, track economic trends and prudently manage your portfolio's risk, all to help you weather potentially volatile investment environments and stay on track with your master plan.
- Monitor your portfolio for unanticipated results, taking new economic data into account.
- Match your portfolio's realized returns against your financial plan and meet with you to review progress, discuss life events, and revise the plan to reflect these realities.
Once those yearly meetings have occurred, we then chart a course for the year to come, reallocating your portfolio as needed to keep your accounts aligned with your requirements.
*By referencing the fact that we utilize the research noted in the "About Us" section of this website, we do not intend to imply that our research or methodology is approved by the Nobel prize committee, or that it is entirely in keeping with the thoughts or research of any other economic or finance professional. Our note of the research we use is intended to give the reader an idea of how our investment approach was constructed. Read more about the Sveriges Riksbank Prize in Economic Sciences in Memory of Alfred Nobel 2013.
Get Started NowThe Meridian Approach
Our structure and method of operation are a rarity in the industry: client-centered and transparent to the highest degree. We are:
Independent
Only the partners own Meridian Financial Partners – no one else. We never have a reason to push one product, fund or strategy over another. We're not under corporate pressure to raise revenue or steer you toward "in-house" investment research, and our advice is objective and unbiased, intended solely to achieve the best solution for you.
Fee-only
We are paid only by our clients (no commissions or hidden compensation), and the cost of our service is completely transparent. We strive to limit potential conflicts of interest by eliminating our receipt of mutual fund fees and trading commissions. As a result, our clients have no forced lock-up period. If for any reason you no longer need or want our services, you're free to leave with no financial penalty. And because there's no incentive to make a quick sale, fee-only advisors can provide carefully considered financial advice.
Fiduciaries
Fiduciary is an industry term used to describe the highest standard to which your relationship with a financial advisor can be held. In fact, as a fiduciary, it is our legal responsibility to act in clients' best interest at all times.
In addition to the requirement to put clients' interests ahead of their own, we take pride in our obligation to serve clients with loyalty and care.
We use Charles Schwab as our third-party custodian of client assets – think of them as the piggy bank where your assets are held. Schwab has been serving independent advisors and their clients for decades, affording access to in-depth research as well as virtually any investment vehicle you could want. And they carry not just the standard SIPC $500,000 per-account protection, but an additional $600 million of supplementary insurance through Lloyd's of London and other insurers.
Frequently Asked Questions
Start Your Journey Today.
Is there something Meridian can clarify for you? Help is just a phone call or email away. Call us at (540) 878-5416, or fill out this form to schedule a meeting with one of our advisors today!
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