Yes. Mascagni Wealth Management is a registered investment advisory firm, which means we are legally required to act in your best interest at all times. We are not paid commissions to sell you products. Our job is to give you honest, independent advice based on your situation.

We charge a fee based on the assets we manage for you. We do not earn commissions from selling financial products or insurance. That means our incentives are aligned with yours. When your money grows, we do better. When it doesn’t, neither do we.

We work best with clients who have $500,000 or more in investable assets. That said, every situation is different. If you’re not sure whether you qualify, the best thing to do is give us a call and have a conversation.

We meet with clients regularly throughout the year, not just when something goes wrong. You won’t just get a statement from us. We sit down with you, walk through your plan, and make sure everything still lines up with where you’re headed.

That depends on your expenses, your income sources, and what you want retirement to look like. There’s no universal number. What matters is whether your savings and income can cover your life comfortably for 20 to 30 years. We help people work through exactly that question.

We manage your investments, build a financial plan around your goals, and help you make good decisions at every stage of retirement. We coordinate with your CPA and estate attorney when needed. We help you figure out when to take Social Security, how to handle RMDs, whether you need a trust, and how to structure your income so you don’t outlive your money. Most importantly, we’re available when you need us.

Yes. We regularly coordinate with clients’ CPAs, estate planning attorneys, and other professionals. You shouldn’t have to quarterback all of those relationships yourself. That’s part of what we do.

Not necessarily. A lot of people are told they need a trust when they don’t. Whether a trust makes sense depends on your family situation, the size of your estate, and your goals for passing on assets. We’ll give you an honest answer rather than a default one.

No. Roth conversions get a lot of attention, but they’re not the right move for everyone. Whether a conversion makes sense depends on your current tax rate, your expected rate in retirement, your timeline, and how your accounts are structured. We think through the full picture before making a recommendation.

It depends on your health, your other income sources, your spouse’s situation, and how long you expect to live. Claiming early can cost you significantly over a long retirement. Waiting can pay off considerably. There’s no one-size-fits-all answer, and we help clients think through the right timing based on their specific situation.

We can set up regular distributions to your bank account on a schedule that works for you, monthly or otherwise. You’re never locked in or cut off from your own money. We make it simple to get what you need when you need it.

You can walk into our office anytime. You can call and talk to someone who knows your name and your situation. We’re not trying to sell you a product. We’re independent, locally established, and we’ve been doing this for a long time. A lot of our clients tell us the difference is that we actually communicate with them, not just when markets are up.

Both. We work with people who are still working and planning ahead, and with people who are already retired and want to make sure their plan is set up correctly. It’s never too late to get organized.

We are located in Clinton, Mississippi. We serve clients throughout the Clinton and Vicksburg area and across central Mississippi. You can reach us at 601-925-8099 or at mascagniwealth.com.

Give us a call at 601-925-8099 or visit mascagniwealth.com to schedule a time to talk. The first conversation is just that, a conversation. There’s no pressure and no obligation. We’ll listen to where you are and let you know if we think we can help.