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Mindy Cleaveland, CFP®

Senior Financial Advisor

Mindy Cleaveland, CFP®2019-09-10T20:28:38+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.

Professional Designations



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

Giving Back

Never Forgetting

Mindy Cleaveland is an annual participant in in Tunnel to Towers 5K in support of the Stephen Siller Foundation, which honors a firefighter who died on 9/11.

What do you value most in your client relationships?

The trust my clients place in me. Helping to navigate the complexities of financial planning allows me to connect with them on a deeper level, especially when special-needs planning is involved. The elements of planning associated with chronic illness, disability, or other special needs takes time and can be an emotional process. Along the way though, I learn about my clients’ unique stories and background, witness their pride in the success 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 share with me their many other life experiences.

What fuels you every day in your work?

In my prior work as a therapist for children with autism, I experienced firsthand many heartwarming moments, but there can also be significant obstacles for families. Financial planning for children who have special needs involves addressing more than the traditional topics. On top of the parent’s own financial future, we need to consider life for the child when they become adults, ensure any siblings are taken care of, and create a plan for when the parent may become disabled or pass away. Partnering with my clients through their financial planning needs, helping them prepare in advance for the unexpected, educating them on important factors they may not be aware of, and seeing the weight lifted off their shoulders after implementing their plans are some of the reasons I love what I do.

What do you enjoy most about working at Modera?

Collaboration and innovation. At Modera we are truly a team, and everyone is more than willing to help each other. Whether it’s a question about a system program, strategizing on a client case, or presenting a new idea to improve the future of the business, there is someone who will listen and work with you to make things happen.

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. For the past five years I’ve lived in Fort Lee, NJ with my fiancée, Lisa.

Mindy’s Insights

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|

Financial Planning for a Loved one with Special Needs

As a former in-home therapist of children with Autism Spectrum Disorder (ASD), I will always cherish the many heartwarming moments with the children, the challenges we worked together to overcome, and the families who welcomed me into their homes as though I always belonged.

Good to Know|