MASH Financial Planning

The firm provides investment management and a range of financial planning services to individual clients (including high-net-worth individuals) as well as pension/profit-sharing plans and other businesses. Its services include ongoing and project-based financial planning, employee benefit plan advisory, fee-based annuity management, and tax return preparation offered through an affiliated tax practice.

Investment approach emphasizes passive portfolio construction using low-cost index mutual funds and ETFs, while also employing fundamental, technical, cyclical and charting analyses as appropriate and referring clients to outside managers or model portfolios when suitable. Client relationships are guided by individualized investment policy statements and periodic reviews; the brochure notes the firm offers ongoing financial planning at no additional cost for clients with assets above $300,000 and reported $8,739,297 in discretionary AUM as of December 31, 2024.

What is distinctive is the firm’s integration with an affiliated tax and accounting practice: the principal operates a separate tax preparation entity and the firm discloses that tax preparation fees will be waived for its advisory clients unless otherwise agreed, with the principal spending meaningful time on tax work. The firm also documents operational arrangements that include multiple custodian relationships and use of model marketplaces and cash-aggregation services, which may be more extensive than typical for a small, state-registered advisory practice.