MPA Financial Services

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MPA Financial Services Helping Cincinnati families navigate retirement & life transitions (widowhood, divorce, blended families). Mason Alexander, CFP®

I build sustainable retirement income plans and help avoid costly tax, investment & beneficiary mistakes. MPA Financial Services is here to help you prepare for your upcoming retirement by defining your income and life goals. We will work with you to create a plan that is tailored to your individual needs and preferences. Our goal is to help you reach financial independence and enjoy a comfortable retirement. Please note our other location at: 212 East Third Street, Suite 100
Cincinnati, OH 45202

10/27/2026

"Can I protect my IRA from nursing care and go on Medicaid?"

This is a very common question during client reviews. Many Americans wish to shelter investments or assets from nursing care costs and file for Medicaid coverage.

Watch this two minute video to learn two important questions to answer about Medicaid planning and whether it is right for you.

How many years before you are ready to be “retired”?It’s one of the most important numbers yet.TIAA's 2026 longevity lit...
10/26/2026

How many years before you are ready to be “retired”?

It’s one of the most important numbers yet.

TIAA's 2026 longevity literacy research found that workers who expect a shorter retirement save less consistently than those who expect a longer one.

That makes sense, but it also means the people who assume their retirement will be short are the same ones who may be building portfolios with shorter time horizons.

Once someone has already reached 65, the numbers shift.

According to Social Security Administration data:

📌 A 65-year-old man has roughly a 24 percent chance of living past 90

📌 A 65-year-old woman's chances are higher, closer to 35 percent

📌 For a 65-year-old married couple, there is about a 50 percent chance that at least one spouse lives past 90

The practical implication is not "assume you will live to 100."

It’s that a retirement income strategy built around the “average lifespan” often assumes a person will die on schedule. Most people do not.

If retirement is on your horizon, the question to ask is, "What happens to my income strategy if I live to 95?"

Happy "Halloweek" Monday!
10/26/2026

Happy "Halloweek" Monday!

10/22/2026

Is your Social Security check taxable? Learn how IRA withdrawals may alter your tax return in retirement in this two minute video.

Trust & Will's 2026 Estate Planning Report found that 56 percent of adults don't have core documents in place, including...
10/22/2026

Trust & Will's 2026 Estate Planning Report found that 56 percent of adults don't have core documents in place, including:

📝 A will: who gets what, and who is in charge of making it happen

🏥 A healthcare directive (or living will): what you want if you cannot speak for yourself

✍️ Two powers of attorney, one for medical decisions and one for financial decisions, each naming a specific person

📄 A letter of instruction: the practical map to where accounts live, who your professionals are, and what your kids or pets need

The friction is that estate work forces a family to sit with mortality, name specific people for specific roles, and make decisions that feel too permanent to rush.

Without something in writing, though, families are left improvising during one of the most difficult moments of their lives.

Most say they fully intend to get to it, but too many put it off until it's too late.

Don't put it off. Talk to a financial professional who can help.

Fidelity's 2025 wealth transfer study found that roughly 67 percent of parents age 55 and older have never told their ad...
10/20/2026

Fidelity's 2025 wealth transfer study found that roughly 67 percent of parents age 55 and older have never told their adult children what they will inherit, or whether they will inherit anything at all.

About 33 percent would prefer the kids are kept in the dark about the amount.

Their reasons should feel familiar:
✔️ Worry that a specific number will dampen a child's drive
✔️ Discomfort talking about money at all

The same study found:

Most adult children say they are ready to handle whatever they inherit and would rather shape things while their parents are still around to explain the "why" behind decisions.

Families who have inheritance strategies share some similar habits:

💬 Kids know who the financial professionals are and how to reach them
💬 Everyone knows where the estate documents are
💬 They try to manage any surprises well ahead of time

So, do you tell your children or not?

There's no single right answer here.

Sharing exact numbers isn't necessary, but most families find that a broad discussion can help with priorities and expectations.

What happens to your cash flow when you stop earning a paycheck?The 2026 EBRI Retirement Confidence Survey caught someth...
10/19/2026

What happens to your cash flow when you stop earning a paycheck?

The 2026 EBRI Retirement Confidence Survey caught something interesting about that shift.

📊 Among workers, 33 percent say they turn to a financial professional for guidance.

📊 Among retirees, that number climbs to nearly 40 percent.

National Retirement Security Week (October 19–25 this year) is a reminder to check whether your strategy is evolving with your lifestyle priorities.

If retirement is within a few years, the practical step is not rebuilding the strategy today.

It's identifying the two or three moving pieces that are no longer theoretical, the day you stop working, and consider working with a financial professional who can help guide you.

Happy Monday!
10/19/2026

Happy Monday!

The most popular question I get as a financial advisor is, "Who are your clients?"There are many answers, but my favorit...
10/16/2026

The most popular question I get as a financial advisor is, "Who are your clients?"

There are many answers, but my favorite is people I like and enjoy serving.

We had a great turnout Monday night for my client appreciation event at Anderson Mio's. It was great catching up with clients and their families over pizza and drinks.

This fall marks 25 years for me as a financial advisor. I'm grateful for the relationships I've built and the trust my clients have placed in me.

Thank you to everyone who joined us Monday night, and to all my clients who have been part of these 25 years!

A mother in California picked up the phone and heard her daughter's voice, panicked, saying she'd been kidnapped and nee...
10/14/2026

A mother in California picked up the phone and heard her daughter's voice, panicked, saying she'd been kidnapped and needed money immediately.

What she'd heard wasn't her daughter. It was an AI-generated clone of her voice.

In a 2025 study, scientists found that when people heard a cloned voice, they correctly identified the voice as AI-generated only about 60 percent of the time.

The FBI attributed more than $890 million in 2025 losses to AI-enabled fraud, and voice cloning is one of the main drivers behind that number.

It is not only older adults being targeted. Younger family members get these calls too, often framed as a sibling or friend in trouble. Older adults just tend to lose the most per incident.

Two ways to protect your family.

🔐 Agree on a private code word or question with the people a scammer is most likely to impersonate (kids, parents, spouse)

📞 If a call like this comes in and you have not set up a code word yet, hang up, then call the real person back

When in doubt, slow down and verify.

Address

4240 Airport Road Suite 204
Cincinnati, OH
45226

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+15132547319

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