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Mindy Cleaveland, CFP®, ChSNC®

Senior Financial Advisor

Mindy Cleaveland, CFP®, ChSNC®2020-04-01T20:07:04+00:00
Mindy Cleaveland CFP®

Mindy works with individuals and their families to build and execute financial plans to help them achieve their wealth goals.

Who I Help

  • Individuals and families with needs related to disabilities or other medical conditions
  • Those who identify as Lesbian, Gay, Bisexual, Transgender, and Queer (LGBTQ)

Professional Designations

CERTIFIED FINANCIAL PLANNER™, Chartered Special Needs Consultant®

Education

University of Maryland, Baltimore County, B.A., Economics and Psychology

Giving Back

Taking Strides for Cancer Research

Mindy Cleaveland is an annual participant in the Lustgarten Walk in Westchester in support of pancreatic cancer research.

Discover How Modera Gives Back

What do you value most in your client relationships?

The trust my clients place in me. My specialty focus area is with individuals and families who have planning needs related to disability or other medical conditions. I also partner with those who identify as Lesbian, Gay, Bisexual, Transgender, or Queer (LGBTQ). The elements of planning associated with both of my specialty areas create unique challenges for my clients, and often the planning process can be emotional. Along the way though, I learn about my clients’ unique stories and background, witness their pride in their success and the successes of their loved ones, see the many pictures of their children or grandchildren, hear about their recent vacations, join them in their philanthropic endeavors, and so much more. I am grateful my clients trust me not only to help them with their financial lives, but also to share with me their many other life experiences.

What fuels you every day in your work?

Seeing the weight lifted off my clients’ shoulders after implementing their financial plan, is what fuels me in my work every day. My clients typically have unique planning needs. Sometimes they aren’t sure where to even begin addressing these needs. Other times they have an idea but are overwhelmed by everything else going on in their lives; financial planning tends to take a back seat. And many times, they are worried about where their financial future lies. That’s where I come in to help them organize and prioritize their goals, identify areas of improvement, and most importantly implement any changes and continue to monitor the plan regularly.

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

I grew up in Maryland, where my parents, sister, brother, and sister-in-law still reside. My parents now own a farm in Southern MD, where they have animals, a greenhouse, and a vineyard. It serves as a mini-vacation away from the congested NY/NJ area every time I visit.

I currently live in Fort Lee, NJ with my fiancée, Lisa. We’ll soon be moving our new home in Cedar Grove, NJ (mainly to take advantage of the amazing restaurants in downtown Montclair).

Mindy’s Insights

New Year, Fresh Start: Improving Your Financial Health in 2020

Changing your lifestyle or improving your health – in this case, your financial health – takes significant time and effort. Instead of trying to overhaul your entire life all at one time, it might be prudent to take it one step at a time. Alone, improving and maintaining your financial health is not as difficult as you may think. Yes, it will take some dedicated time in the beginning, but once you are set up it becomes mostly a matter of “checking-in.”

Good to Know|

The True Value of Financial Advice

As financial advisers, we get asked a lot of challenging questions: “How do I make sure I’ll have enough money for retirement?” “What’s a good strategy for lowering my tax burden?” “What’s the best way to pass my business on to my children?” “How aggressively should I invest?” “What if the markets have a downturn?”

Good to Know|

Unique Planning Factors in the LGBTQ Community

Though the Defense of Marriage Act, which did not recognize same-sex marriages, was struck down five years ago, many challenges remain for those in the lesbian, gay, bisexual, transgender, and questioning (LGBTQ) community. These challenges create unique factors that must be considered when financial planning.

Good to Know|

Special Needs Trusts for Gifting and Inheritance

If you have a minor or adult child with special needs, financial concerns are likely top of mind. Often, family members or close friends want to help you by gifting to your child or leaving an inheritance to them. Though this generosity may be appreciated, there can be unintended side effects of gifting outright to someone who has special needs.

Good to Know|
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