Working to Keep Your Interests First

Our Process

A fee-only fiduciary is held to a higher standard of putting their client's best interests first. What this means is Mellen Money Management does not "sell" a product to generate a commission or hit a monthly quota. In addition, any conflicts of interest must be disclosed. The fee you pay is just that, a transparent way of doing business. In other words, our clients have a trusted advisor they can confidently rely upon to do the right thing. Furthermore, prospective clients can rest assured in knowing they get the opportunity to receive an objective second opinion.

Situational Examples

This couple (in their late 50s) was seeking help from a financial planner with questions about the impact of Judy taking an early retirement and how that could affect their overall financial health.

CASE STUDY
 

Early Retirement

Jim & Judy Jones

Financial Overview

Household Income:  $375,000/yr.

Investable Assets:  $1,100,000

Retirement Contribution:  3%

Mortgage:  $277,000

Loans:  $24,000

Est. Net Worth:  $1,600,000

Background

This young couple has two young kids and are advancing their careers. They are seeking professional help with questions mainly related to purchasing their first home.

CASE STUDY
 

Buying a Home

John & Jane Martin

Financial Overview

Household Income:  $200,000/yr.

Total Assets:  $159,000

Estimated Spending:  $12,000/mo.
Monthly Debt Payments:  $3,130

Student Loans:  $150,000

Credit Card Loans:  $15,890

Background

This couple is taking college tours with their high school junior, George. They’re worried about how to balance paying for George’s education and not robbing their retirement savings in the process.

CASE STUDY
 

Paying for College

Jerry & Elaine Simons

Financial Overview

Household Income:  $205,000/yr.

Total Assets:  $283,265

Retirement Contribution:  5%

Mortgage Payment:  $1,963/mo

Loans:  $312,412

Est. Net Worth:  $613,252

Background

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(904) 580 - 4698

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