Phone: 610-746-7007  Address: 4505 Hanoverville Road, Bethlehem, PA 18020

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Common Questions About Becoming an MtM Client

What is the cost to have an MTM advisor review my current financial situation?


We offer a second opinion meeting that reviews your financial situation and answers questions you may have. During that meeting you and your MtM advisor will mutually evaluate whether we would be a good fit for you going forward - or not.

Is there a minimum investment amount I must have to become a client of MTM Financial Group?

No, but there are standards.

We only accept about one out of three folks who present themselves at our offices. MTM provides outstanding levels of service and performance when working with the appropriate clients. There are many folks who require services we do not provide or would simply not be a comfortable fit for the long term relationship we seek to achieve.

How do you know when the markets are going to go up or down?

We don't.

It's just that simple. And no one else does either. There isn't a person or 'system' that can consistently predict what the markets will do tomorrow let alone for any length of time at all. Any advisor who claims they know what direction the market will go is either on medication - or should be.

How difficult is it to change financial advisors on our investment accounts?

Not difficult at all.

You should plan on spending about an hour with a trained member of our staff completing basic account paperwork and transfer instructions. Most assets arrive in less than ten business days.

What services does MTM provide to its clients?

We offer investment advisory services, income tax preparation and planning services, and estate planning and insurance services.

How often would we communicate with our MtM advisor?

At the minimum - every ninety (90) days.

Our investment advisory system is built around frequent communication with our clients. In addition to at least four meetings a year (with a complete personal report) you will receive twelve (12) monthly newsletters, twelve (12) account statements, and the opportunity to join us at a minimum of four (4) live events each year. Add to that a tax preparation meeting and several phone calls and you can see why we become very close to our clients.

Great Questions We've Recently Received That You May Be Wondering About Too

Should I convert my IRAs to Roth IRAs?


This is a very common question with a very challenging road to the proper answer. Gene has written an article on Roth Conversions - you'll find that in our Learning Center.

Should I put my kids' names on the deed to my home?


Almost certainly this is a bad idea wrapped in good intentions. You are too young, the risks are too high, and your children are unlikely to benefit in any way.

I'm 84 with more money than I ever expect to spend. Should I begin gifting to my family so I can enjoy seeing them benefit while I'm still alive?


We've reviewed your situation and agree - you've got more than you expect to need. Have a great time with your giving and your family - maybe even a family cruise.


I'm 36 and disgusted with the performance of my 401(k). Should I stop contributing and look to make real money somewhere else?


The advantages of a 401(k) are significant. Your poor performance has been mostly due to lack of a sound investment strategy. Get some good professional help and increase, not decrease your contributions.


My husband says we should cash in our loser mutual funds and invest our life savings in gold. Is he crazy?


But, then again you knew that already. You should never have all your eggs in one basket unless you can afford to live without eggs. Get a good investment strategy, cash in your loser mutual funds, and get investment assets that perform at a very high level.

The attorney settling my father's estate wants to charge us $40,000 (five per cent of the estate). Is this about right?


Your father's estate was large, but very simple. Engage an estate attorney who is both experienced and will charge by the hour. I expect your legal bill will be less than $8,000. How does it feel to save $32,000 just by asking a simple question?

Our insurance agent suggested we use the cash value from our life insurance to pay for single premium long term health care. We're both 67 years old. Is this a good idea?


We've reviewed your financial picture. At this point, you don't need life insurance. At this point, if one/both of you needed significant care it could wipe out your life savings. Single premium long term care is a better use of your cash value.

Have more questions you'd like answered? Hit the "Contact Us" button at the top of this page and we'll be happy to provide you with answers!

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