No, MFA does not have a strict minimum. Most clients have household incomes of $300,000 or more and investment assets between $1 million and $20 million, but the more important factors are the complexity of the financial situation and the client’s readiness to engage in a real planning relationship. Anyone uncertain about fit is encouraged to reach out for an introductory conversation, which carries no cost or commitment.

The majority of Mike and Christina’s clients work in technology, biotechnology, engineering, finance, healthcare, and professional services. Many are employed by companies along the Route 128 and Route 495 corridors in Greater Boston and MetroWest Massachusetts, and a significant portion have equity compensation, including RSUs, stock options, or ESPPs, as part of their total compensation.

MFA’s practice is best suited for clients who have already achieved real financial complexity, typically those with established careers, growing investment accounts, and multiple competing financial priorities. Clients who are early in their careers and working primarily to build an emergency fund and start retirement contributions may be better served by a firm or advisor that specializes in financial coaching or early-stage planning.

Yes. Morton Financial Advice is registered to provide investment advisory services in Massachusetts, California, Colorado, and Pennsylvania, and can serve clients in other states in certain circumstances. Mike and Christina work with many clients entirely remotely, making geography a minor factor in most cases. Clients across New England, including Connecticut, Rhode Island, Vermont, New Hampshire, and Maine, regularly engage with MFA.

Both. The Express and Comprehensive plans focus on financial planning (analysis, recommendations, and a written plan) without ongoing investment management. The Full Service plan includes investment management, where Mike and Christina monitor and manage client investment accounts throughout the year. Clients who want planning expertise without handing over account management can choose accordingly.

Readiness is less about how much money you have and more about mindset. If you have financial complexity you haven’t fully addressed, equity compensation, multiple accounts, college savings, estate planning, insurance gaps, and you’re willing to engage in an honest conversation and follow through on recommendations, you’re likely ready. The introductory conversation with MFA is free and carries no obligation, and it’s the clearest way to find out if the fit makes sense.