Northern Kentucky, KY
Two riverfront offices, one team of advisors, CPAs and estate planners.
50 E RiverCenter Blvd, Suite 300, Covington, KY 41011 · (859) 392-8600
MCF has two offices in Northern Kentucky: one on RiverCenter Boulevard in Covington and one on Dave Cowens Drive in Newport. Both sit within a few minutes of the Roebling Bridge, and both are staffed by the same team, so which one you visit is a question of parking and convenience rather than service.
This is the market where a household's financial life most often crosses a state line. People work in downtown Cincinnati and live in Fort Mitchell, hold an Ohio employer's 401(k) while filing a Kentucky return, and hit retirement with a pension, a deferred compensation plan and a house that has quietly become a significant asset. Coordinating the tax side of that is routine work here rather than an edge case.
Our advisors, CPAs and estate planners work as one team, which matters in a market this concentrated. The person projecting your tax return sits with the person managing the portfolio and the person reviewing your trust, so a Roth conversion window or a beneficiary that was never updated gets caught while there is still time to act on it.
Local retirement picture
The plans and employers we actually see across this market. Knowing them is the difference between generic advice and a plan built for the benefits you hold.
The Covington campus is one of the region's largest employers. Retiring from a financial services firm usually means restricted trading rules, a deferred compensation election and company stock that needs to be diversified carefully.
Clinicians and administrators across the Edgewood, Fort Thomas and Florence campuses arrive with 403(b) balances, and often a 457(b) that has to be coordinated with it before a retirement date is set.
The CVG corridor brings pilots, logistics managers and long-tenured operations staff whose retirement timing is driven by benefit rules rather than by a birthday.
Many households here earn in Ohio and file in Kentucky. Withholding, reciprocity and the timing of a bonus or equity vest all deserve a second look before December 31.
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 Northern Kentucky
Service area
Questions
Whichever is easier to park at. Both offices are staffed by the same team and run the same process, and your advisor can meet you at either one. Covington sits on RiverCenter Boulevard near the Roebling Bridge; Newport is on Dave Cowens Drive near the levee.
It adds steps rather than complications, and it is routine work in this office. Where you earn, where you file and where your employer withholds all interact, and the timing of a bonus, an equity vest or a Roth conversion can change the result. Our CPAs run those questions inside the same projection that drives the rest of your plan.
Yes, and those two employers shape a lot of the planning conversations in this market. The specifics differ: a Fidelity retirement often turns on deferred compensation elections and concentrated company stock, while a St. Elizabeth retirement usually turns on coordinating a 403(b) with a 457(b). Both benefit from being mapped out well before a retirement date is chosen.
Local. MCF has been serving Northern Kentucky families since 2004 and has two staffed offices here, alongside offices in Cincinnati, Lexington and Louisville. You reach the office directly by phone rather than a general line.
Your offices
Both offices are staffed by the same team, and you reach them directly rather than through a general line.
50 E RiverCenter Blvd, Suite 300, Covington, KY 41011
(859) 392-8600, Covington, KY office
300 Dave Cowens Drive, Suite 608, Newport, KY 41071
(859) 398-6350, Newport, KY officeThirty minutes with an advisor: your goals, your questions, your current setup. No cost, no obligation.
