Louisville · St. Matthews, KY

Financial advisors in St. Matthews

Served from our Louisville office, about 5 minutes away.

4938 Brownsboro Rd, Suite 201, Louisville, KY 40222 · (502) 290-1905

The MCF Advisors office in Louisville, KY — Louisville, KY

St. Matthews sits right at our doorstep, where Shelbyville Road, Frankfort Avenue and Lexington Road all funnel toward the Watterson. Households here range from families in Bellemeade and Norbourne Estates who bought decades ago to professionals drawn to the walkable stretches near Brown Park. The common thread in planning is a house that has appreciated far beyond what was paid for it, sitting next to a retirement plan that has never been coordinated with a spouse's.

Local retirement picture

What St. Matthews retires from

The employers and retirement plans we see most often from St. Matthews households. These are the details that decide when you can retire and what you keep.

Baptist Health Louisville

The hospital on Kresge Way is minutes away. Nurses, technicians and administrators typically hold a 403(b), and physicians often have deferred compensation elections layered on top.

Humana

A short commute downtown or to nearby offices. Equity awards vest on the company's schedule rather than yours, which creates taxable income in years that may already be high.

Retail and restaurant businesses along Shelbyville Road

Owners along the Mall St. Matthews corridor whose business is also the retirement plan, which makes a succession plan and a personal plan the same conversation.

Employer plans are described in general terms. Your own benefits, elections and deadlines govern, and we review them directly rather than assuming.

Planning services for St. Matthews

Questions

Questions from St. Matthews

How close is your office to St. Matthews?

About five minutes. We are just east on Brownsboro Road, outside the Watterson, so most St. Matthews addresses are a short drive with no highway required.

Our home has appreciated substantially. Should that change the plan?

It usually should, in two ways. Home equity is often a household's second largest asset yet rarely appears in the retirement plan at all, and if you ever sell, the tax treatment is far easier to prepare for in advance than to fix afterward. We also check that the deed matches the estate documents, which is a common gap.

We each have a retirement plan from a different employer. Does managing them separately hurt?

It can. Two plans chosen independently often hold the same handful of large companies, so the household looks diversified while carrying concentrated risk. Coordinating them also lets us put the tax-inefficient holdings in the accounts where they cost the least.

Service area