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Dina Megretskaia, CFP®, EA

Financial Advisor

Meghan Dwyer CFP®, CDFA®
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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

CERTIFIED FINANCIAL PLANNER™, Enrolled Agent

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.

Learn more about how we serve our community

Read more about Dina

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

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I am Dina Megretskaia, an advisor in Modera’s Boston office and a member of our Financial Planning Committee. I’m coming to you from my apartment rather than the office due to the physical distancing. We’re all having to undertake as part of managing the pandemic that said we all I think are looking for ways to stay connected. And today I wanted to address a question that might be on your mind. Namely is now the time to update my estate planning documents, or is it time to create an initial estate plan, regardless of the complexity of your financial picture, it’s important to have an estate plan in place. If you have minor children, your will lay out who you’d like to be their guardian, should something happen to you. And unfortunately we all can face a situation where due to illness, we’re not in the position to make decisions about our own medical care.

And so your healthcare power of attorney proxy living well, this varies by state we’ll lay out who you’d like to make those medical decisions on your behalf, including what treatments you do or do not want. Should you have a terminal condition or have permanent in capacity for financial and tax planning reasons, the right estate plan for you could include revocable trust, which allows for privacy and potential cost savings as compared to transferring assets via your will, which requires going through probate and irrevocable trust allows you to transfer assets and their future growth out of your estate for potential tax savings and your contract assets, which includes your IRA, 401(k) and life insurance is governed by what’s in the beneficiary designations. So it’s important that those beneficiaries are aligned with your overall estate plan.

Best reason to make an adjustment to your state planning documents is due to the passage of time or other changes. So if you have moved to a different state, if you have a change in marital status, a new dependent, or your relationship with somebody listed in your estate plan has evolved. Whether that’s a beneficiary or somebody with a different role, and maybe time to take a look at those documents. If you have trusts set up for your kids or your grand kids, you may want to look at those provisions that provide protection to those beneficiaries against creditors against the bad marriage or even themselves. Lastly, as your net worth evolves and federal and state estate tax laws change, it can be worthwhile to revisit the plan and make sure it makes sense. I would encourage you to talk with your Modera advisor and your attorney collectively. We can determine whether it’s prudent to make an adjustment to your estate plan. And if you don’t have an attorney, we at Modera would be happy to provide a recommendation of someone to work with.

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.

ESPP – The benefit 60%+ of eligible employees are missing out on

ESPP – While the acronym and the spelled-out version - employee stock purchase plan – don’t sound particularly exciting, the financial rewards can be. That’s because, under most circumstances, people whose employers (publicly-traded companies) offer an ESPP can profit by using this benefit strategically

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?

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?

2020-08-11T15:21:37+00:00
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