Wealth & Retirement Planning for $1M+ Households
Customized strategies for business owners and high earners to grow, preserve, and transfer wealth -
from early career to retirement.
Most people don't need more investments -
they need a plan.
What can you safely spend in retirement?
How much of your wealth are you unnecessarily giving up to taxes?
When does work truly becomes optional for you?
Good decisions become clear when investments, taxes, and withdrawals are coordinated together.
We Work Best With
Households nearing retirement with $1M–$5M
Business owners and high-income professionals
Retirees wanting predictable income and tax efficiency
We are not a day-trading or product-pushing firm.
How Our Planning Works
1. Understand Goals and Constraints
At MCM Financial Group in Newport Beach, we begin by developing a deep understanding of your financial goals, risk tolerance, income needs, and family priorities. This personalized discovery process ensures every wealth management and financial planning recommendation aligns with your long-term vision.
2. Design Tax-Efficient Withdrawal Strategy
Our Newport Beach financial planning team designs a tax-efficient withdrawal strategy to help high-net-worth households minimize lifetime tax exposure and manage after-tax income. We carefully coordinate retirement accounts, taxable portfolios, and estate considerations for optimal distribution planning.
3. Implement Disciplined Investment Portfolio
MCM Financial Group builds and manages a disciplined, globally diversified investment portfolio tailored to your objectives and risk profile. Our evidence-based wealth management approach focuses on long-term performance, cost efficiency, and prudent risk management.
4. Adjust as Life Changes
Financial plans must evolve, which is why our Newport Beach advisory team provides ongoing monitoring and proactive adjustments as markets, tax laws, and personal circumstances change. Through continuous financial planning and portfolio reviews, MCM Financial Group helps keep your strategy aligned with what matters most.
What You Gain
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Confidence about retirement timing
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Lower lifetime taxes
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Clear withdrawal strategy
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Fewer financial decisions to worry about
Frequently Asked Questions
Have more questions about financial planning, investing, or working with an advisor? Visit our blog with our additional insights, tips, and helpful resources to guide your journey.
Cost of a Financial Advisor in California
Most financial advisors in California typically charge around 0.5%-1.5% of assets managed annually.
When to Hire a Financial Advisor
When your finances become more complex-such as earning more, investing, planning for retirement, or going through major life changes.
How Much Do You Need to Retire in California
Many individuals aim for $1.5M-$3M+ in savings, depending on lifestyle, location, and expected expenses.
Fiduciary VS Broker:
What You Should Know
A fiduciary is required to act at your best interest at all times, while a broker only needs to recommend investments that are suitable for you.
Meet Michael C. Mann, CRC, RHU
Michael C. Mann, CRC®, RHU®, is a seasoned financial advisor and founder of MCM Financial Group in Newport Beach, California, with over 35 years of experience leading clients and businesses toward financial clarity and long-term success. He holds credentials including Chartered Retirement Counselor and Registered Health Underwriter, and has a strong academic foundation in accounting and finance. Known for his service-driven leadership and clear communication, Michael guides clients with integrity, delivering personalized strategies that empower confident, informed decision-making.
