Comprehensive Financial Planners
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Custom Investment Strategies For Every Stage of Life
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Tailored Portfolio Management
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Experienced Investment Professionals
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From small beginnings come great things
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Retirement plans to meet your goals
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Plans tailored to meet your goals...
-Investment and retirement plans
-Employer sponsored 401Ks
-Estate planning advising
-Protection and transfer of asset planning
-Charitable gifting
-Tax efficiency
Why choose Mustard Seed Wealth Management
- Tailored portfolio management to help clients reach their goals.
- Investment professionals dedicated to a high level of customer service.
- Comprehensive financial planners offering
retirement planning, estate planning, tax efficiencies, transfer of wealth, charitable gifting and more.
- We are fiduciaries with a fee only structure—”we grow, when you grow.”
About Mustard Seed Wealth Management
Mustard Seed Wealth Management was founded in 2002 by Dr. David Ashby, Professor Emeritus of Finance at Southern Arkansas University. The firm was founded on the premise of delivering high quality client service along with portfolio investment strategies structured using modern portfolio design. Fascinated by how people save and spend money, Ashby strives to guide clients to financial freedom and has fostered that mentality in the Mustard Seed philosophy. Our investment strategy blends historical market data with modern insights. We focus on thoughtfully diversifying your family portfolio, aiming to minimize taxes and preserve your principal for the long term
Choose the company that cares about you
As fiduciaries, it is our duty and obligation to act in your best interest at all times. We treat our clients with a high standard of care and we offer educational resources and information because your future is our priority. Whether we’re helping with your individual estate or business, you can rest assured that you’re interests are at the forefront of our strategy as we layout a plan to reach your goals.
We have a fiduciary responsibility
fiduciary adjective
fi·du·cia·ry (fə-ˈdü-shē-ˌer-ē)
: of, relating to, or involving a confidence or trust: such as
a: held or founded in trust or confidence
The Benefits of working with a Fiduciary Advisor
An investment advisor fiduciary is a financial professional who is ethically bound to act in your best interest. A fiduciary is required to prioritize your financial well-being above all else, putting your needs and goals as the focus of every decision they make. Fiduciaries are held to a higher standard of care because they must disclose any potential conflicts of interest, avoid situations where their interests could conflict with yours, and provide advice that is truly in your best interest. Whether they're recommending investment strategies, financial planning, or specific products, they must ensure that their recommendations are solely designed to benefit you.
At Mustard Seed Wealth Management, we highly value our role as a fiduciary and strive to provide Clarity, Confidence and Communication at the forefront of all client relationships. Choosing to work with a fiduciary is one of the most important decisions you can make when it comes to your financial future. When you work with Mustard Seed Wealth Management, you can feel more secure and empowered as you pursue your financial goals.
FAQs
Our comprehensive analysis will address many retirement questions
How much money do I need to retire comfortably?
A common guideline suggests you’ll need about 70% of your current income, supported by a retirement portfolio that allows a 4% annual withdrawal rate (known as the 4% rule). For a more accurate estimate, a detailed financial plan is essential, factoring in taxes, investment returns, inflation, and healthcare costs. Let’s schedule a retirement planning session to create a personalized projection that aligns with your financial goals and ensures long-term security.
What investment strategy should I follow to ensure my money lasts?
A balanced total return strategy is often effective, focusing on a mix of income and growth while prioritizing risk management. Key elements include a sustainable withdrawal strategy (like the 4% rule, dynamic withdrawals, or a guardrails approach to adapt to market conditions), strategic asset allocation, inflation protection, and tax-efficient withdrawal planning. We can help you design a retirement investment strategy that ensures your savings last throughout retirement.
How can I generate reliable income in retirement?
Diversifying your retirement portfolio is crucial for generating reliable income. Focus on income-producing investments like interest-paying bonds and REITs, paired with long-term equities for growth potential. Additionally, optimizing your Social Security claiming strategy can significantly boost your income stability. There are many factors to consider in retirement income planning—reach out to us for tailored guidance.
When should I start taking Social Security benefits?
Your full retirement age is 66 or 67, depending on your birth year. You can claim as early as 62 for a reduced benefit or delay until 70 for a higher, guaranteed lifetime income.
How do I minimize taxes on my retirement income?
The order of withdrawals can significantly reduce your tax burden—start with brokerage accounts to benefit from lower capital gains taxes, then move to tax-deferred accounts, and save Roth IRAs for tax-free withdrawals later. Other tax-saving strategies include offsetting gains with losses and using Qualified Charitable Distributions (QCDs) to donate from an IRA tax-free, lowering your taxable income. Effective tax planning can maximize your retirement savings.
