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Customization & Control

Personalized Financial Strategies for Every Life Event

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Your Plan, Your Priorities

Adapting Your Finances to Life’s Changes

Life rarely follows a straight path—your financial plan shouldn’t either. At Meagher Financial Services, we provide the flexibility and control you need to adjust your financial strategy whenever circumstances change. Whether you’re navigating a new career opportunity, making a major purchase, or receiving a sudden influx of funds, we help you evaluate your options and make confident decisions. Our goal is to guide you through each choice, with the goal of using your money to work towards your goals.

Focused on the Five P's

From windfalls to challenges, life brings surprises. Our role is to help you pause, evaluate, and make decisions that keep your plan moving in the right direction.

  • People – Experienced, tenured teams in stable organizations

  • Philosophy – Clearly defined, tried and tested

  • Process – Consistent, disciplined and applied in multiple market environments

  • Portfolio Construction – Risk management is a key component

  • Performance – Proof statement of philosophy, process and portfolio construction

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Money Decisions May Arise…

 Unexpected or planned inflows of money can create unique opportunities and challenges. We’ll help you assess your options and determine the most effective use for your funds.


  • Tax Refund – Decide whether to pay down debt, invest, or save for upcoming expenses.

  • Inheritance – Manage large windfalls with an eye toward taxes, investments, and long-term goals.

  • Severance Package – Integrate severance pay into your short-term and long-term income strategy.

  • Legal Settlement – Protect and grow settlement funds while addressing immediate needs.

  • Lottery Winnings or Monetary Prizes – Build a strategy that maximizes value and minimizes tax consequences.

  • Sale of Real Estate or Business – Plan for reinvestment, tax liability, and preservation of capital after a significant sale.

02

Portfolio Decisions

Changes within your investment portfolio require careful consideration to avoid unnecessary tax impact and keep your allocation aligned with your plan.


  • CD or Bond Maturity – Reinvest proceeds into higher-yield opportunities or rebalance your portfolio.

  • Excess Cash Reserves – Deploy idle cash into investments aligned with your goals.

  • Sale of Investments – Reallocate capital for diversification or to pursue new opportunities.

  • Sale of Limited Partnerships, Non-Traded REITs, or DPPs – Transition into more liquid or strategically beneficial investments.

  • 401(k) Rollover – Consolidate accounts, improve investment options, and reduce fees.

  • Loan Repayment – Redirect freed-up cash flow toward savings, investments, or debt elimination.

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Discussion Points

Life events often call for a reassessment of your financial strategy to ensure it remains aligned with your evolving priorities.


  • New Job or Retirement – Adjust contributions, investment risk, and income sources to match your career stage.

  • Wedding or Divorce – Revisit beneficiary designations, budgets, and long-term goals.

  • Birth of a Child or Grandchild – Consider education funding, insurance needs, and estate planning updates.

  • Relocating or Buying a Home – Plan for moving costs, mortgage structures, and new living expenses.

  • Starting a Business – Evaluate capital needs, risk exposure, and retirement plan options.

  • Becoming a Caregiver – Incorporate caregiving responsibilities into financial and time planning.



  • Family Issues or Legal Concerns – Coordinate with your legal and tax advisors to adjust strategies as needed.

  • How quickly can you adjust my plan if something changes?

    We can meet promptly—often within days—to review your options and make updates so you can take timely action.

  • Do you handle both one-time decisions and ongoing adjustments?

    Yes. We help with immediate choices, such as how to invest a windfall, as well as ongoing portfolio monitoring and strategy updates.

  • Can you work with my existing accounts and investments?

    Absolutely. We can manage, adjust, or integrate existing accounts without requiring you to move everything.

  • What if my financial priorities change over time?

    We build flexibility into your plan so it evolves as your goals and life circumstances change.

Your Customization Questions, Answered

Tailoring Your Plan to Your Life