Madeline McIvor, CFP®

Retirement isn't an investment problem. It's a decision problem.

I help people approaching retirement and those already retired navigate the transition from accumulating wealth to living on it. Together, we address spending, taxes, investment strategy, Roth conversions, Social Security timing, portfolio withdrawals, and the many interconnected decisions that come with a 30-year retirement.

My clients are often successful professionals who have done a great job building wealth but want an experienced partner to help them make confident decisions as life evolves. My role isn't to predict markets—it's to provide a framework for navigating uncertainty and adapting over time.

Drawing on nearly 15 years of experience across boutique financial planning and fintech, I provide comprehensive financial planning and investment management through a transparent flat-fee model. By separating advice from account size, conversations can focus on what matters most: helping clients make thoughtful decisions with confidence.

Based in Pittsburgh, Pennsylvania, I work virtually with clients throughout the United States.