MFA is not a one-size fits all firm.
We offer deep expertise in specific areas of planning and investing.
Our Specializations Provide A Unique
Experience For Each Client
International & Cross-Border
We serve many clients who face complex financial and tax situations and work in tandem with your international tax accountants and attorneys.
Our team can advise on all types of direct real estate transactions, from ground-up development and value-add rehabs to traditional rentals in the single-family residential (SFR) sphere as well as short-term rental (STR) spaces.
ESG & Impact Investing
We can help you align your investment portfolios with your values and can target positive environmental and social outcomes. MFA can help align your investment portfolios with your personal values and target a positive impact.
MFA is not a one-size fits all firm. We offer deep expertise in specific areas of planning and investing.
Many of our clients receive a portion or a majority of their compensation in the form of stock and/or stock options. We can help analyze what you currently have and strategize an optimal outcome that balances upside, risks, and taxes.
Our team specializes in working with clients who receive equity compensation, including stock options and restricted stock units (RSUs).
As a client of MFA, you can expect we will:
- Offer education on the type of options you own and how they are taxed.
- Review the current value of your options, as well as the potential pre-tax and post-tax values of the future.
- Coordinate with your tax preparer to minimize the tax impact of ordinary income, capital gains, and the Alternative Minimum Tax (AMT).
- Discuss the potential upside, risks, and tax consequences of various scenarios.
- Develop a plan with your tax adviser detailing how many options to exercise, which ones to exercise, as well as when to exercise them.
- Review strategies and vehicles to diversify concentrated positions and/or defer tax liability.
For groups of 10+ employees, MFA can host a complimentary educational workshop at a client's workplace or via Zoom.
MFA specializes in institutional-quality, private investments targeting risk and return profiles that are not correlated with the public markets.
We can help you allocate to real estate, private equity and debt, hedge funds, and other private strategies.
We source, research, and advise on institutional-quality alternative investments, for those who meet the various following thresholds:
- Accredited Investors. Net worth greater than $1M or earned income that exceeds $200K (or $300K jointly with a spouse) in each of the prior 2 years.
- Qualified Clients. Net worth greater than $2.2M.
- Qualified Purchaser. Net worth greater than $5M.
The above net worth definitions exclude the value of home equity and associated mortgage debt. The above is for educational purposes only. Contact us to discuss details of qualification and eligibility.
Direct (or custom) indexing allows us to optimize your portfolio, based on your tax situation,
equity compensation, existing investments, and/or values.
Direct indexing is a type of index investing. Rather than buying an index mutual fund or index exchange-traded fund (ETF), direct indexing involves buying the individual stocks in an index. For instance, an investor who wants to replicate the S&P 500 index could buy several hundred stocks in an effort to mirror the risk and the return of the S&P 500, rather than purchasing a single index fund.
As an investor, there are many reasons why you should select direct indexing.
- Tax Loss Harvesting
Investors can implement Tax-Loss Harvesting (TLH) in portfolios of funds and MFA does TLH for clients who own mutual funds and ETFs. However, TLH can be done more frequently and in more market environments with individual stocks than with funds. Thus, direct indexing may be more beneficial to investors who are in higher tax brackets.
- Personalized Portfolios
There are many great socially responsible, sustainable, and ESG-oriented funds, but funds are not personalized to individual investors. Direct indexing allows us to align portfolios with each client's values, rather than a generic set of beliefs.
- Mitigate Risk
Clients who receive stock options and restricted stock may have concentrated positions and exposure to their employer's stock. Rather than purchase an index fund that owns even more of the stock, we can exclude specific companies, industries, and sectors in order to limit concentration risk.
- Integrate Low-Basis and Other Legacy Positions
Clients who own existing positions with a low-cost basis, or want to continue holding legacy positions, can integrate those positions into their portfolio. Rather than realizing taxable capital gains or increasing risk exposures, direct indexing allows us to build index portfolios around existing positions
Direct Indexing may be appropriate if you are:
- Are in a high tax bracket
- Own stock with a low cost basis
- Have large capital gains tax liability
- Desire a customized portfolio that is aligned with their personal values
- Have philanthropic intent or goals
The above is for educational purposes only. Direct indexing is not appropriate for all investors.
Our team of financial advisors work with each client individually to determine whether index funds or direct indexing is more appropriate.