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Dina Megretskaia, CFP®, EA

Financial Advisor

Dina Megretskaia, CFP®, EA2019-09-16T14:39:34+00:00
Meghan Dwyer CFP®, CDFA®

Dina’s role involves working with individuals and their families to build, execute and monitor the progress of their financial plans and investment strategies to help them achieve their financial goals. Dina has experience working in all areas of wealth planning, including retirement planning, estate planning, tax planning, risk management and investment management. In addition, she works closely with clients’ other professional advisors, such as accountants, estate attorneys, and insurance agents, to ensure all aspects of the financial plan work together.

Professional Designations

CFP®, EA

Education

Wharton School at the University of Pennsylvania, M.A., Finance

Carnegie Mellon University, B.S., Economics and Mathematics with minors in Computational Finance and Creative Writing

Giving Back

Helping Working Families Tackle Taxes

Dina Megretskaia was a 2018/2019 participant in the Volunteer Income Tax Prep (VITA) free tax prep program with the Philadelphia Campaign for Working Families in Norristown, PA, tasked with preparing and explaining tax returns to patrons.

What do you value most in your client relationships?

My clients are successful and smart – but their expertise and interests lie outside of financial planning.  Nothing feels better than, alongside my clients, thoughtfully navigating turbulent markets immediately after their retirement, or tackling funding for their child’s college as they make that big, life-shaping decision.  My physician friends talked about continuity of care as a consideration in selecting their specialty.  I feel similarly – being there and being involved at complicated, crucial decision points is very gratifying, and that’s why I love the unique bond I have with my clients as their adviser.

What's one thing people say you're best at?

Having a quiet confidence in my base of knowledge and myself, which allows me to take time and truly hear what a client is saying, perhaps reading between the lines, so I can respond compassionately and carefully.

When you retire you’re going to…?

Honestly?  Probably keep learning, keep getting degrees.  Feel free to ask me about my current pursuit, a part-time JD program in the evenings.  (Yes, for fun, and yes I’m aware that makes me sound crazy!)

Where did you grow up? Where do you live now?

I’m the daughter of academics, raised outside of Boston in Concord, MA (though born in St. Petersburg, Russia and having lived in Sweden, Australia, and Iowa all before 2nd grade).  I left the state for college, and after living in Pittsburgh, DC, Philadelphia, and the suburbs of Philadelphia, I’m now home and living in the heart of Boston.

Dina’s Insights

Tax Loss Harvesting – Finding the Silver Lining in Turbulent Markets

Short-term market returns are notoriously unpredictable (consistently inconsistent, you could say). When our team at Modera is monitoring our clients’ portfolios, it’s with an eye towards maintaining a strategic mix of stocks, real estate, bonds, and bond diversifiers over the long run. However, short-term market movements can create tax opportunities, and I want to highlight some of the work we do in tax loss harvesting that you may not be aware of.

Good to Know|

Decluttering Your Financial Life

Whether you’re a dyed-in-the-wool minimalist, had a passing interest in Marie Kondo’s magic tidying book, or approach any effort to pare down your belongings with some skepticism, you’ve likely given some thought to decluttering your physical space. But have you ever thought about decluttering your financial life?

Good to Know|

Financial Planning: An Approach, Not a Product

Perhaps your cousin’s best friend is an insurance agent who provides financial planning. Or maybe your neighbor’s brother-in-law was bending your ear at a recent barbeque about how annuities are key to an effective financial plan. So, you may be wondering, what exactly is a “financial plan”? And when different people use that term, are they all describing the same thing?

Good to Know|