Wealth Management
Personalized
Mendel Money Management has provided transparent, fee-only wealth management and financial planning services for over 30 years. Our firm was founded on two guiding principles: to act with integrity and to always act in our client’s best interests. We offer a personalized planning experience based on your unique circumstances and goals.
Our guidance occurs at the intersection of your money and your life – where you need it the most. We invite you to discover how we can help you reach your goals.
Meet Our Team
Client Experience
Many financial firms claim they can help, often before you’ve even met. We focus on getting to know you first.
That’s what makes our client experience and PersonalPath Planning Process different. We focus on building a foundation of mutual respect and trust with you. We take our time to understand your unique planning needs and goals, as well as address questions and concerns. This process allows us to customize the open lines of communication, establish clear expectations, and craft the optimal plan for you.
A disciplined approach to investing
At Mendel Money Management, we help you build the core of your portfolio to meet your financial goals and objectives.
These are stocks of small companies with a market cap below $2 billion. Although a minority of these companies are established enterprises with strong balance sheets, many others are younger growth-oriented companies that tend to have higher volatility and less liquidity. Most small capitalization stocks exhibit higher price volatility and have less market liquidity, causing them to be higher risk investments. In addition, many investors may be lured to speculate in low-priced or “penny” stocks in an effort to “make a killing. The lure of buying many shares of a stock at an extremely low price, such as ten cents a share in the hopes that the share price will rise to a dollar a share, is often enough to cause many investors to buy shares of companies with broken and failed business models in the hope that “a frog will turn into a prince”. The vast majority of these microcap and penny stocks provide little or no reward to the speculator.
Junk bonds, also referred to as high yield bonds, have a credit rating below BBB/Baa and are not investment grade, and as a result many institutional portfolios or funds cannot purchase or hold them. Junk bonds carry a higher risk of default, and provide higher percent yields to attract investors and hopefully offset their riskiness. Many junk bonds have equity-like risk profiles but may not compete effectively with equity counterparts.
Commodities are raw material inputs such as grains, beef, lumber, metals, precious metals, oil, and natural gas, used to manufacture finished products and goods. Commodity contracts are traded publicly to permit buyer and seller to establish and implement purchase and sale of the commodity. Additional examples of tradeable products included in the “other” category include agricultural products and other basic materials (i.e. rubber or palm oil) from around the globe.
International stocks are equity securities of foreign companies typically domiciled in foreign countries and traded oninternational exchanges outside of the US. Risks associated with these stocks include access to reliable information, foreign country and government/political risks, foreign economic risks, foreign controls and different reporting requirements compared to requirements imposed upon U.S. publicly traded companies. Larger U.S. publicly traded companies typically have significant international exposure in their various businesses and provide significant exposure to these markets without these additional risks. These U.S. based companies can typically manage foreign exposures much more effectively that outside investors can on their own.
Futures and options, also known as financial derivatives, are types of contracts between two parties to purchase and sell a stock, index, or commodity at a predetermined price and on or before a predetermined future date. These financial instruments may be used to speculate on future moves in stock prices, but also may also be employed as a risk management tool and/or a yield enhancement tool within a portfolio. Speculating with options and futures is extremely risky with a high likelihood of loss, while properly used may actually reduce risk and enhance return. Financial options and futures contracts on currencies and indeces, and speculation in these contracts can also be very risky.
These are stocks of small companies with a market cap below $2 billion. Although a minority of these companies are established enterprises with strong balance sheets, many others are younger growth-oriented companies that tend to have higher volatility and less liquidity. Most small capitalization stocks exhibit higher price volatility and have less market liquidity, causing them to be higher risk investments. In addition, many investors may be lured to speculate in low-priced or “penny” stocks in an effort to “make a killing. The lure of buying many shares of a stock at an extremely low price, such as ten cents a share in the hopes that the share price will rise to a dollar a share, is often enough to cause many investors to buy shares of companies with broken and failed business models in the hope that “a frog will turn into a prince”. The vast majority of these microcap and penny stocks provide little or no reward to the speculator.
Junk bonds, also referred to as high yield bonds, have a credit rating below BBB/Baa and are not investment grade, and as a result many institutional portfolios or funds cannot purchase or hold them. Junk bonds carry a higher risk of default, and provide higher percent yields to attract investors and hopefully offset their riskiness. Many junk bonds have equity-like risk profiles but may not compete effectively with equity counterparts.
Commodities are raw material inputs such as grains, beef, lumber, metals, precious metals, oil, and natural gas, used to manufacture finished products and goods. Commodity contracts are traded publicly to permit buyer and seller to establish and implement purchase and sale of the commodity. Additional examples of tradeable products included in the “other” category include agricultural products and other basic materials (i.e. rubber or palm oil) from around the globe.
International stocks are equity securities of foreign companies typically domiciled in foreign countries and traded oninternational exchanges outside of the US. Risks associated with these stocks include access to reliable information, foreign country and government/political risks, foreign economic risks, foreign controls and different reporting requirements compared to requirements imposed upon U.S. publicly traded companies. Larger U.S. publicly traded companies typically have significant international exposure in their various businesses and provide significant exposure to these markets without these additional risks. These U.S. based companies can typically manage foreign exposures much more effectively that outside investors can on their own.
Futures and options, also known as financial derivatives, are types of contracts between two parties to purchase and sell a stock, index, or commodity at a predetermined price and on or before a predetermined future date. These financial instruments may be used to speculate on future moves in stock prices, but also may also be employed as a risk management tool and/or a yield enhancement tool within a portfolio. Speculating with options and futures is extremely risky with a high likelihood of loss, while properly used may actually reduce risk and enhance return. Financial options and futures contracts on currencies and indeces, and speculation in these contracts can also be very risky.
Life events that drive the need for personalized financial planning:
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