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Planting a Seed

So You Can Reap the Rewards in Retirement

Multi-Generational Wealth Management in Cleveland, Ohio


What It Means to be a Fiduciary
 
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About Us

For over 30 years we have served as builders, keepers and stewards of multi-generational wealth for substantial families and the businesses, trusts and endowments they have created. We advise, consolidate and simplify your financial life providing you with peace of mind and confidence in your financial future.

We provide fee-only financial planning services along with fee-only investment supervisory services. We work best with families that are looking for an advisor to direct the investment of their assets and are willing to move investment accounts to our preferred custodian: Fidelity Investments.



Benefits of Working With a Fiduciary

Your family's personal financial needs, goals and objectives are unique and our advice is tailored to meet your family's unique circumstances. We will educate you so that you always understand the advice you are given. You and your family will understand your unique financial situation and the future consequences of the decisions you make. Staying informed as you work towards your family’s goals and objectives increase your chances of achieving them. To track your goals, we will measure your progress compared to your unique goals and objectives, not against a market index.

You can sleep at night knowing that you are working in partnership with a team of professionals who understand your unique needs and situation and are dedicated to helping you achieve your personal objectives. When you leave the planning to us, you and your family can enjoy an enhanced sense of security and a more fulfilling, purpose-filled life.


How to Tell If We're a Good Fit for You

As your advisor, we want to get to know you and continually keep in touch. We tackle the day-to-day financial decisions so that you are free to do the things that matter most to you. We take a long-term management style towards your assets by keeping costs low while still having your assets invested in a sophisticated, state-of-the-art, pension-quality program. Our Approach to Disciplined Asset Management (ADAM®) instills confidence in us and how we manage your money.

If you want to make sure that the advice you receive is free from bias, that your advisors are not compensated from product commissions, loads or sales charges, and that your advisors are not affiliated with the products they recommend - then Michael Brady & Co. is a good fit for you.

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Helping You Plan for a Successful Retirement.

Financial Planning

We work with you to create your Financial Road Map using a goals-based approach to outline your current financial position and model what the future might look like. We then help you implement solutions to provide the best opportunity for those goals to become reality. We utilize the latest technology like our Personal Financial Organizer (MyPFO) to help aggregate all of your financial and personal data to provide you with the most accurate and personalized Financial Road Map, which can be accessed on your desktop as well as mobile devices. We will also use MyPFO as our central hub for sharing documents via a secured Vault as well as share tasks, activities, and recommendations.

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Your Financial Road Map may include the following:


Budgeting, Cash Flow, and Debt Analysis

Budgeting, Cash Flow, and Debt Analysis

Net Worth Review

Net Worth Review

Asset Allocation & Asset Location Review

Asset Allocation & Asset Location Review

Retirement & Education Planning

Education Planning


Insurance Analysis

Insurance Analysis



Retirement Planning

Employee Benefit Review

Employee Benefit Review 


Long-Term Care Planning


Estate, Asset Protection, Charitable Gifting Planning & Review

Estate, Asset Protection, Charitable Gifting Planning & Review 

Tax Planning


Business Planning

Business Planning 



Social Security & Medicare Analysis




Investment Management

Our Approach to Disciplined Asset Management™(ADAM®) is founded on the following key investment principles:



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A defined set of investment objectives based on a thorough review of your investment time horizon, long-term goals and expectations, and short-term risk attitudes.

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A diversified asset allocation strategy designed to meet your objectives with an acceptable amount of investment risk.

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A process of evaluating and selecting investments based on factors including performance and cost reduction.

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A method of carefully monitoring investment activity and adjusting and rebalancing the portfolio


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Fee Only Advice

For our services, we are compensated by a fee that you pay us directly.  We do not sell any investment or insurance products and we do not receive any commissions or payments from anyone other than you.

Your Financial Road Map and MyPFO are included in a subscription that costs $200 per month. With your subscription, you get your Road Map and MyPFO, access to your advisor in your preferred communication style (in-person, Skype, telephone, or email) and our Approach to Disciplined Asset Management™ for up to $240,000 of investment assets. Any portfolio assets above $240,000 will be charged according to the fee schedule below:

Investable AssetsFee
$240,000 – $1,000,000
1%
$1,000,000 - $3,000,000
0.80%
$3,000,000+
0.70%


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Follow Your Financial Road Map

My Personal Financial Organizer

In our search to consistently provide world class service to our clients we have created a state of the art web portal called My Personal Financial Organizer or MyPFO for short. MyPFO allows you to aggregate all of your financial accounts to provide you with a consolidated view of your financial picture in a secure location. Whether it be your mortgage, checking account, 529s, or your 401(k) at work, you will be able to see all of these accounts in MyPFO.


We will also use MyPFO to build and update your Financial Road Map. The Financial Road Map is your personalized financial plan that we will use to track your progress on achieving your specific financial goals. Want to know how funding your child's education will affect your retirement goals? The Financial Road Map will help us answer that question. Since you have already given us the vital information needed to answer that question, via MyPFO, we will be able to run a simulation and see in real time the effects of funding those future education costs has on your other goals.  

Life in a Box
 
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Client Login

MyPFO Login 

Create Your MyPFO

Cultivate the Best Retirement Imaginable.

Meet The Team 

Michael Brady, CFP® Photo

Michael Brady, CFP®

Founder and Financial Advisor
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Michael Brady, CFP®

Founder and Financial Advisor


Mike has worked with multiple generations of families to insure their lasting legacy long into the future for over 30 years. Over that time, he has advised and simplified his clients’ financial lives thereby providing them with peace of mind.

Mike is a finance graduate of The Ohio State University’s Fisher College of Business and holds a master’s degree in finance (MBA) from Cleveland State University’s Monte Ahuja College of Business. In addition, he completed executive education coursework at The University of Pennsylvania’s Wharton School of Business.  As a Certified Financial Planner™ professional he works in a full-time fiduciary capacity with his clients and practices and promotes fee-only financial planning, investment advisory and wealth management services.

Mike has lectured widely on financial topics at the college level. He is a trusted financial advisor and coach to business owners, professional athletes, attorneys, accountants, and physicians. He has counseled and advised executives and pre-retirees of numerous notable companies, sports organizations and the U.S. government.

Mike is a lifetime member of the National Eagle Scout Association and is the recipient of the Silver Beaver Award: one of the highest volunteer awards bestowed by the National Council of the Boy Scouts of America. He is a former president of the Olmsted Falls City Schools Board of Education. He also has served in leadership positions for various charities and as a board member for several significant endowments and foundations.





Cameron Brady, CFP® Photo

Cameron Brady, CFP®

Financial Advisor
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Cameron Brady, CFP®

Financial Advisor


Cameron has been providing clients with financial planning services and investment management for over 5 years in Chicago before joining his father at Michael Brady & Co. in the greater Cleveland area. Cameron specializes in working with high net worth individuals as well as Millennials and Gen X clients. He is always finding unique ways to connect with clients and provide the highest quality of advice and service.

Cameron is a graduate of Saint Joseph’s University’s Haub School of Business in Philadelphia, and studied at DePaul University’s Certified Financial Planner™ program in Chicago.

Cameron is a life member of the National Eagle Scout Association and remains active in the Boy Scouts of America as a mentor to youth in the Cleveland area. In the summer of 2016 Cameron summited Mount Kilimanjaro in Tanzania, Africa with his siblings and is always looking for his next adventure.

Mercedez Hathcock Photo

Mercedez Hathcock

Director of Client Services
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Mercedez Hathcock

Director of Client Services


Mercedez joined Michael Brady & Co. in 2005 to assist in meeting every client’s expectation of great service. She manages every client request, sets appointments, and maintains client records.

Prior to joining the firm, Mercedez spent eight years in customer services with an insurance agency and completed the Registered Paraplanner™ program through the College for Financial Planning. She also has a bachelor’s degree in history and liberal arts from Baldwin Wallace University and is currently enrolled in a master’s of accounting program.

In Mercedez’s spare time she enjoys running and hosting international students and dignitaries with the Cleveland Council on World Affairs.


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