Melder Financial Services Inc.
At Melder Financial Services, Inc., we strive to embody the central value our clients bring to work every day: Education. Just as our clients devote themselves to supporting the next generation of Americans, we dedicate our lives to helping our clients build a retirement plan that will inspire confidence and cultivate serenity.
Educators find themselves in a unique situation as they prepare for retirement, and it is essential to take advantage of the employer-sponsored plans available. Our team works with educators to blend tax-deferred growth with post-tax selections, optimizing your retirement plan according to your risk tolerance. Given this complex financial landscape, you need an advisor who specializes in the Education Industry across Texas, and Melder Financial Services is here to help!
Education Creates Empowerment.
Much like our clients, our mission is to deliver the fundamental education that inspires confidence and builds a stable future. Operating from our core belief that “Knowledge Is Power,” we do whatever it takes to arm our clients with the tools they need to be financially competent and competitive.
We believe in listening to our clients to develop an understanding of their exact financial situation and specific long-term goals. From there, we are able to put our extensive experience to work developing a retirement plan that encompasses the unique options available to educators across Texas.
At Melder Financial Services, Inc., we employ a client-centric process that is designed to help you take command of your wealth and consider different avenues for growth and security. We have developed an immersive approach that explores your values and needs to create an actionable plan.
Establish Goals: Successful planning starts with trust. We dedicate our initial meetings to learning about your life and unique circumstances, both inside the financial world and beyond it. We seek to gain a thorough understanding of who you are and what you value most. Working from that foundation, we can create your custom plan and build a framework striving to grow and preserve your wealth.
Evaluating Financial Status: In addition to exploring your goals, we analyze your specific retirement options, risk tolerance, cash flow, investment portfolio, business commitments, family situation, and more. By conducting a thorough evaluation of your current financial situation, including projections and analysis for retirement, we can develop strategies engineered to work towards your goals.
Educators face a different financial landscape than your average investor, and we help you determine the optimal strategy for your unique situation. We specialize in:
● Determining allocations for your Optional Retirement Plan, 403b, or 457
● Estimating your Retirement Income from all accounts
● Exploring Social Security’s Impact
● Optimizing the taxes on Federal Benefits
● Providing a customized comprehensive financial road map
If you want to take the next step in your retirement planning, reach out to Melder Financial Services to schedule a no-obligation meeting. No matter where you are on your financial journey, we have the experience to help you pursue your goals.