Melia Advisory Group has announced an expansion of its financial advisory services for pre-retirees in and around Tulsa. The firm now offers a retirement readiness assessment designed to address common financial uncertainties associated with the transition to retirement. The assessment integrates income-focused portfolio strategies, Social Security analysis, Medicare planning, IRA management, tax strategy, estate planning, and healthcare cost projections into a single coordinated roadmap.
More information is available at https://meliagroup.com/retirement-financial-planning/
The expansion responds to retirement concerns among Americans nearing the end of their careers. The 2024 and 2025 Allianz Life Annual Retirement Studies note that between 63% and 64% of Americans express greater concern about outliving their assets than death. The Schroders 2025 U.S. Retirement Survey revealed that 62% of retirees lack clarity regarding the longevity of their savings. Recent conflict-driven market volatility has intensified these concerns, leaving many pre-retirees uncertain whether accumulated assets can sustain a retirement lasting two or three decades without earned income.
Melia Advisory Group's assessment addresses these variables through a discovery meeting and financial analysis that evaluates a client's current position to construct a personalized plan. The firm coordinates income planning, investment management, tax strategy, healthcare costs, estate planning, IRA oversight, and Social Security timing into one integrated framework rather than offering siloed recommendations that undermine broader retirement goals.
Central to the firm's methodology is an income-first investment philosophy that prioritizes generating sustainable cash flow from interest- and dividend-producing assets. This approach focuses on preserving principal—living off the "egg" rather than the "chicken"—which contrasts with traditional growth-focused strategies and the 4% withdrawal rule. When markets decline, this model seeks to maintain distributions, allowing clients to avoid liquidating holdings at depressed valuations.
The firm manages client investments through active in-house management. Compensation is structured as a transparent, flat 1% annual management fee, designed to avoid the hidden mutual fund or broker commissions often associated with traditional brokerage models.
As an SEC Registered Investment Advisor operating under fiduciary standards, Melia Advisory Group is legally obligated to prioritize client interests. The firm has maintained an A+ rating with the Better Business Bureau for nearly 20 years.
The retirement readiness assessment is intended for pre-retirees with at least $100,000 in investable assets, though the firm typically serves clients with portfolios of $250,000 or more. Melia Advisory Group currently serves clients throughout Tulsa, Bixby, Broken Arrow, Jenks, Owasso, Sand Springs, and Edmond.
For more details, visit https://www.meliagroup.com/