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Mindy Cleaveland, CFP®

Senior Financial Advisor

Mindy Cleaveland, CFP®2019-12-11T22:21:22+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

CFP®

Education

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

Giving Back

Creating a Brighter Future

Modera proudly continues to support the efforts of Vision Loss Alliance of New Jersey. On October 24, Modera’s Bill Houck and Mindy Cleaveland took part in the non-profit’s third annual Dining in the Dark fundraiser gala, which also celebrated the organization’s 75th anniversary. The Vision Loss Alliance’s mission is to empower individuals of all ages who are blind or low vision by providing support, education, skills training, assistive technology and employment opportunities.

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

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|
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