MPA Financial Services

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

If you're married and your husband dies first, what happens when two Social Security checks become one?Let’s say your hu...
09/04/2026

If you're married and your husband dies first, what happens when two Social Security checks become one?

Let’s say your husband receives $3,500 a month from Social Security and you receive $3,000. That’s $6,500 coming into your household each month.

If your husband passes away first, you may be eligible for his higher Social Security benefit as his surviving spouse. But you don’t continue receiving both checks. In this example, $6,500 becomes $3,500.

Did your monthly expenses just drop by $3,000 too?

Probably not. You may still be living in the same house with many of the same bills. The difference may have to come from your investments, and that can change how long your savings need to last.

If you’re planning retirement as a couple, it’s worth asking: Does our retirement still work if I’m the one who lives the longest?

Because at some point, two Social Security checks may become one. Text me at 513-434-1930 to review your retirement.

09/01/2026

You’re still working in your 60s and need $50,000. Before taking it from your 401(k), there are two mistakes you may want to avoid. One could be costing you money at age 65.

Happy Monday!
08/31/2026

Happy Monday!

Would you rather give your grandchild $10,000 now—or leave it to her after you die?I've watched clients help their grand...
08/27/2026

Would you rather give your grandchild $10,000 now—or leave it to her after you die?

I've watched clients help their grandkids with a down payment and then get to see them decorate their first home. Another client helped pay for a granddaughter's nursing school and got to hear all about what she wants to do after graduation.

For 2026, you can give up to $19,000 per person under the federal annual gift tax exclusion. A married couple can potentially give $38,000 per recipient.

For families who have accumulated more money than they’re likely to spend, there’s another question worth asking: Do I want my family to inherit this money someday, or would I rather give some of it to them while I’m here to see what it does for them?

Leaving an inheritance can be a wonderful gift. Giving some of it while you’re still here gives you something an inheritance can’t: the chance to see the difference it makes.

08/25/2026

What are three common money mistakes at age 55 that could delay your retirement? Watch this two minutes video to learn what to avoid as you build your 401(k) in your 50s.

At some point, you may need to help your parents with their money. The hard part is knowing when to step in. Mom gets co...
08/20/2026

At some point, you may need to help your parents with their money. The hard part is knowing when to step in. Mom gets confused by a medical bill or Dad forgets the property tax payment. And we all know how sophisticated scams are. (How many "tree trimming services" can there be, anyway?)

None of those necessarily means it's time to take over their finances, but they may be signs that it's time to start talking. Ask a few basic questions:

1) Where are the important documents, and are they up to date?

2) Are bills automatically paid every month?

3) What is the plan if your parents can no longer handle financial matters?

You don't need to solve everything in one conversation. And the reality is that many elderly parents are very defensive about their independence and ability to handle their own affairs.

One way to start might be: “We're reviewing our own financial and estate documents and realized we should probably know where you keep everything too.” Sometimes that's enough to get the conversation started.

The goal is to make sure helpful people, information, and safeguards are in place before decisions have to be made under pressure. If you're a client and want to review these matters, please call or text me at 513-434-1930.

☂️ One lawsuit has the potential to undo what it took a lifetime to build.Most people assume their home and auto insuran...
08/19/2026

☂️ One lawsuit has the potential to undo what it took a lifetime to build.

Most people assume their home and auto insurance policies cover everything. For everyday situations, they often do.

The problem is the situation that you never saw coming.

Think about where liability risk actually shows up.

🔹 A serious car accident where you are found at fault and multiple people are injured

🔹 A guest getting hurt on your property

🔹 A defamation claim from something posted online

🔹 A teenage driver in your household

🔹 An incident involving a rental property you own

🔹 A dog bite that leads to a settlement

Standard home and auto policies typically cap liability at $300,000 to $500,000. For someone who has spent decades building wealth, that coverage limit can leave a gap.

An umbrella policy extends that coverage to $1 million or more. Most people who add an umbrella policy say the same thing afterward: they wish they had done it sooner.

Contact your home and auto insurance agent to learn if you own an umbrella policy.

08/18/2026

When Two Social Security Checks Become One. In part 2 of my series on outliving your husband, we tackle the possibility of a surviving spouse losing a Social Security check and what it means for retirement. Watch this two minute video to answer the most important question about retirement and your Social Security check.

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

Website

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