Matthew Graves- Financial Advisor

13/06/2026

https://www.linkedin.com/posts/todd-m-jones-1b05363_in-recent-days-both-fitch-ratings-and-s-share-7471199525236465664-Bff3/?utm_source=social_share_send&utm_medium=ios_app&rcm=ACoAAFkrfwAByzLM5XJL0kJMT-6X0kd7mo1IVQY&utm_campaign=copy_link

In recent days, both Fitch Ratings and S&P Global affirmed Northwestern Mutual’s financial strength – once again awarding the highest ratings available to any U.S. life insurer. In an increasingly uncertain environment, maintaining industry-leading financial strength and returning industry-leadi...

05/06/2026

🚗 Driving with a hole in your gas tank?

You already know how that ends… fast.

💸 The same applies to your money.

If where (and how) your money is positioned isn’t working efficiently, you could be losing ground without even realizing it.

The good news? It doesn’t always take a major overhaul. Sometimes, just a quick conversation about your specific situation can make a huge difference in your future outcome.

So here’s the real question:
Is there any reason not to take a few minutes to find out? 🤔

🚗 Driving with a hole in your gas tank? You already know how that ends… fast. 💸 The same applies to your money. If where (and how) your money is positioned isn’t working efficiently, you could be losing ground without even realizing it. The good news? It doesn’t always take a major overh...

18/05/2026

Leaving your job? Don’t leave your retirement account on autopilot.

Many people end up with old employer retirement accounts and may not realize the opportunities they have through active retirement management.

A properly managed IRA strategy can help you:
✅ Take advantage of Roth conversion opportunities during lower-income years.
✅ Reduce or potentially avoid future Required Minimum Distributions (RMDs).
✅ Keep your portfolio aligned through automatic rebalancing.
✅ Create an investment strategy tailored to your goals instead of a one-size-fits-all employer plan.

Your retirement savings may be one of your largest assets — it deserves more than “set it and forget it.” 💰

If you’ve recently changed jobs, retired, or are planning your next move, now is a great time to review your options.

Message me if you’d like to discuss how to make the most of your retirement accounts. 📬

Matthew Graves
(410) 527-3826
[email protected]

13/05/2026

*Now Forming in Towson/Timonium*

We’re building a weekly networking referral group made up of top-tier professionals — and we’re off to an amazing start!

✅ One person per profession
✅ Local referrals
✅ Real connections
✅ Serious business growth

We’re currently looking to fill the following spots:

• Accounting
• Home Inspector
• Massage Therapist
• Handyman/General Contractor
• and many more......

If you’re great at what you do and want to grow your business with quality referrals, let’s connect! 💬

📞 Sylvia Miller, Area Director– (301)343-1567

11/05/2026

“I know I should talk to a financial planner… but—”
• I don’t have enough time.🕰️
• I don’t have enough money.💰
• I tried before and it was a bad experience.😒

If any of those sound familiar, you’re not alone. These are the most common reasons people put off having a financial conversation.

Here’s the part that often gets missed:
👉 Those pain points don’t go away on their own.
👉 Left unaddressed, they tend to compound—costing more time, more stress, and more money down the road.

When you meet with me, the goal isn’t pressure, judgment, or a sales pitch.
It’s a conversation—one designed to reduce those exact fears:
• Making the most of the time you do have.
• Creating clarity, even if you’re unsure where you stand.
• Rebuilding trust after a past experience that missed the mark.

Progress doesn’t come from waiting for the “perfect” moment—it comes from starting the conversation.

If you’ve been carrying these concerns quietly, consider this your reminder:
The best time to address them is before they grow louder.

My door is always open.

“I know I should talk to a financial planner… but—” • I don’t have enough time.🕰️ • I don’t have enough money.💰 • I tried before and it was a bad experience.😒 If any of those sound familiar, you’re not alone. These are the most common reasons people put off having a fi...

06/02/2026

Want to know what your number is?

Send a message to learn more

06/02/2026

How much money do you need to save, to have income for the rest of your life at the point you want to retire?

Feeling uncertain about how much you can safely spend now without jeopardizing your future? You're not alone. We're here to help you enjoy life with confidence and clarity!

We don’t just focus on retirement planning. With our financial analysis, we will reverse engineer your cash flow, so you know how much you can guilt-free spend today while ensuring a secure and comfortable retirement.

✅ Understand Your Financial Future ✅ Maximize Your Spendable Dollars ✅ Live Without Financial Anxiety

Imagine the peace of mind that comes from knowing your present spending aligns perfectly with your future goals. Ready to start living life to the fullest? 🌟

Get in touch with us today to learn how our unique approach to retirement planning can transform your financial outlook and free you from guilt and uncertainty.

📞 [410-527-3826] 🌐 [[email protected]]

Send a message to learn more

30/01/2026

Good afternoon!

I understand that meeting with a financial advisor can feel like a big step, and it's normal to have some reservations. I want to assure you that my goal is to support you in achieving your financial goals in a way that feels comfortable and beneficial for you. 😊

Financial planning isn't just for people at a certain stage of life or with a specific amount of wealth. It's about creating a strategy that aligns with your personal goals, whether you're just starting out, planning for major life events, or looking towards retirement. 🏡💼🌅

If you've had a bad experience in the past, I can understand your hesitation. Every advisor is different, and my approach is centered around transparency, trust, and your best interests. I'm here to provide guidance and education so you can make informed decisions. 🤝📚

Even if you feel confident managing your finances on your own, an outside perspective can uncover opportunities or risks you might not have considered. Think of it as a partnership where we work together to ensure you're on the best path. 🔍🛤️

We always start with a simple, no-pressure conversation. This will give you a chance to see if my approach resonates with you and if I can be a valuable resource. 💬

Feel free to let me know if you’re open to discussing this further. I’m here to help whenever you’re ready. 📅

Best regards,

Matt

Send a message to learn more

11/01/2026

For those of you who do not know me- My name is Matthew Graves, Financial Advisor, and I help individuals and business owners bring clarity and confidence to their financial lives. Prior to financial planning, I dedicated 20 years to the fire service. I committed my career to safeguarding the wellbeing of the communities I served. This experience has fueled my conviction to extend my commitment to helping people beyond the firehouse. 🚒

Most people know what they want financially—but not always how to get there efficiently. My firm specializes in comprehensive financial planning designed to help you grow, protect, and transfer your wealth, while thoughtfully leveraging tax-advantaged strategies along the way. 💰

For business owners especially, personal and business finances are inseparable. Decisions you make today can have a lasting impact on your income, taxes, exit strategy, and family legacy. That’s why we take an integrated, long-term approach—one that evolves with your business and prioritizes what matters most to you at each stage. ✅

I offer complimentary consultations to explore your goals, identify potential gaps or opportunities, and determine whether my firm can be a valuable resource for you, your family, and your business. Through financial planning and education, I aim to empower individuals to achieve financial security and peace of mind, ensuring they are prepared for their financial future.

If you’re looking for guidance, a second opinion, or simply want to make sure you’re on the right track, I’d love to connect.

🌐 matthewrgraves.nm.com
📞 (410) 527-3826

Let’s start a conversation—your future self will thank you. 😊

Send a message to learn more

04/01/2026

There are so many aspects to planning, protecting those you love and everything you are building is an important consideration. This article gives a great explanation of how the company operates to benefit their policy holders.

Recently, Northwestern Mutual received some excellent, but not unexpected, news: for the 35th consecutive year, our company earned the highest-available financial strength ratings awarded to U.S.