Melotte Financial Advisors

Melotte Financial Advisors provides portfolio management and comprehensive financial planning to individuals and families, serving both non‑high‑net‑worth and high‑net‑worth clients. Typical engagements include retirement and IRA consulting, estate and lifetime‑gifting analysis, life‑insurance needs assessment (with insurance placement referred to outside specialists), and ongoing portfolio monitoring and reporting.

The firm’s investment process centers on a strategic asset allocation built from individualized financial projections and stress tests, with a default buy‑hold‑and‑rebalance approach and the flexibility to make tactical adjustments. It also offers a separate Tactical Growth strategy that relies more on technical signals and potentially higher trading activity to try to reduce downside exposure during sustained market declines; portfolios commonly blend low‑cost index funds with selective active strategies.

The principal is a CFP® professional with nearly two decades of industry experience, including prior investment‑committee service overseeing institutional‑scale assets, and the firm operates on a fee‑only basis. Managing roughly $97.6 million across about 83 client relationships, the firm also provides daily‑updated client portal reporting and includes explicit rollover and fiduciary disclosures under DOL guidance, features that distinguish it from many peers.