Boynton Beach, FL Office

Meld Financial serves a mix of individual clients (including high-net-worth and non‑HNW households), pension and profit‑sharing plans, corporate clients, and state or municipal government entities, and delivers discretionary portfolio management, financial planning, pension consulting, trustee/fiduciary services, and individual consultations. The brochure also describes participant education and employer‑sponsored plan support as part of its pension consulting offering.

The firm typically implements tailored model portfolios and may be granted discretionary authority to execute trades on client accounts, while retaining the ability to use sub‑advisers for fixed‑income management. The brochure discloses that some fixed‑income sub‑advisory arrangements involve firms affiliated with Meld’s ownership and investment committee, and that account reviews are performed on an ongoing basis with at least quarterly reviews.

What distinguishes Meld from many peers is its combination of pension consulting with ERISA 3(21)/3(38) roles, trustee/executor services that create custody relationships, and a documented emphasis on educational seminars and participant workshops for plan clients. The brochure also notes affiliated business activities — licensed insurance agents who may receive commissions and associated legal services — and discloses these potential conflicts while identifying directed brokerage and use of a qualified custodian as part of its operational model.