MRA Advisory Group

MRA Advisory Group Financial Planning, Wealth Management, Taxes, Business Services, Insurance

Disclosure in Legal Info

MRA Advisory Group (“MRA”) is an Independent Investment Advisory firm that focuses on offering generational planning services to Millennials, Gen-Xers and Baby Boomers in a fiduciary capacity.

54% of American adults have no will, no trust, and no estate plan. That is more than half of our friends, neighbors, and...
09/01/2026

54% of American adults have no will, no trust, and no estate plan. That is more than half of our friends, neighbors, and coworkers leaving their family's future up to a courtroom.

Most people assume estate planning is something only wealthy retirees need to worry about. The reality is much simpler: if you skip it, your state's default rules decide what happens to everything you have worked for.

That is where families get caught off guard by how probate actually works.

>> Unnecessary costs: Court fees and legal expenses typically eat 3% to 8% of the estate's total value.
>> Lengthy delays: Settling an estate without a plan routinely takes 12 to 18 months.
>> Loss of control: State statutes decide how assets are distributed, regardless of what your family actually needs.

A simple plan almost always costs less than the absence of one. If you have been putting this off, or if you already have documents in place but have not looked at them in years, it may be time for a second opinion on where you stand.

09/01/2026

Head to www.mraadvisory.com to download this presentation and schedule a conversation with one of our advisors today.
Let's connect your decisions with your future.

08/31/2026

Should you wait? Or take Social Security early?

Happy Birthday to Team Member Fernanda Lima!We know Marco's pampering you, and we hope you enjoy your day 🎁
08/29/2026

Happy Birthday to Team Member Fernanda Lima!

We know Marco's pampering you, and we hope you enjoy your day 🎁

08/27/2026

Head to www.mraadvisory.com to download this presentation and schedule a coversation with one of our advisors today.
Let's connect your decisions with your future.

54% of American adults have no will. Most figure they don't need one yet. That assumption becomes the plan.By not choosi...
08/27/2026

54% of American adults have no will. Most figure they don't need one yet. That assumption becomes the plan.

By not choosing, you let state laws decide for your family. We talk with families all the time who assume estate planning is reserved for the ultra-wealthy or the elderly. It isn't. It's about control, protection, and sparing the people you love from unnecessary costs.

When you delay, "later" tends to become "never." A few of the real risks of having no plan:

>> Probate fees can consume 3% to 7% of your estate before your family sees a dollar.
>> Without a named guardian, the court decides who raises your minor children.
>> Medical decisions default to state guidelines instead of your personal wishes.

These outcomes are preventable. A basic will package is more accessible than most people think, and the cost of having no plan is always higher.

If you'd like a second opinion on where you stand, or you're ready to put your first plan in place, send us a message. We're happy to start a straightforward conversation.

Most people think they have a tax strategy. What they actually have is a tax return.Filing is backward-looking. It recor...
08/25/2026

Most people think they have a tax strategy. What they actually have is a tax return.

Filing is backward-looking. It records what already happened. By April, the decisions that mattered have already been made, or missed.

Tax planning is something else. It is forward-looking and deliberate. It asks which account to draw from first in retirement, when a Roth conversion makes sense, and how your business structure is shaping your liability for the next decade.

We see this often. Clients come to us with a long-standing CPA, accurate returns, and no strategy behind any of it. The filings are clean. The tax burden is still avoidable. Both can be true.

Mid-year is the window that matters. Right now, there is still time to shape your 2026 outcome. Waiting until next April means filing on decisions you can no longer change.

A few questions worth sitting with before the second half of the year gets away from you:

>> Is your retirement withdrawal sequence built around tax brackets, or just default order?
>> Have you modeled a Roth conversion against your projected income for the next three years?
>> Does your business entity still match the way you actually earn today?

If the answer to any of those is "I'm not sure," that is the gap between preparation and planning. And it is worth closing before year-end.

Tax preparation looks backward. Tax planning looks forward. Most people are paying for the first and assuming they're ge...
08/20/2026

Tax preparation looks backward. Tax planning looks forward. Most people are paying for the first and assuming they're getting the second.

Preparation is what happens in March and April. A return gets filed, a refund or bill arrives, and the conversation ends until next year. Planning is what happens the other ten months, when the decisions that actually move the number are still on the table.

The difference, side by side:

>> Tax Preparation: reactive, focused on last year's numbers, answers "what do I owe?"
>> Tax Planning: proactive, focused on the next five to ten years, answers "what can I legally keep?"

The opportunities that get missed without year-round planning are not small ones. Roth conversion windows. Tax-loss harvesting before December 31. Entity structure for a growing business. Charitable bunching. Timing of capital gains. None of these show up on a return that's already been filed.

If your tax relationship starts in February and ends in April, you have a preparer. That's useful. It's also not the same thing as a strategy.

Which one are you actually doing this year?

Most financial plans fail before they start. Not because of bad markets, but because of the hidden gaps nobody is lookin...
08/20/2026

Most financial plans fail before they start. Not because of bad markets, but because of the hidden gaps nobody is looking for.

When wealth management gets treated as just portfolio performance or last-minute tax prep, the real exposures slip through. That is why we built the Blind Spot Audit, a three-step process to turn reactive management into a proactive strategy.

>> Uncover Blind Spots. We map your entire personal economy to find hidden gaps, from missing income protection to uncoordinated risk. Most clients find at least three.

>> Find Opportunities. We pinpoint where small structural shifts deliver the largest gains through forward-looking tax planning, debt alignment, and wealth transfer.

>> Implement and Track. A plan on paper has zero value without ex*****on. We help you put every detail in motion and review it annually as your life evolves.

Before your next annual review, ask yourself one question: what might my current plan be missing?

Swipe through the slides to see how we build proactive plans that protect your progress.

Address

14 Walsh Drive, Suite 302
Parsippany, NJ
07054

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

(844) 672-7623

Website

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