From your first savings account to a fully diversified retirement portfolio, Meridian Wealth pairs fiduciary-grade advice with intuitive tools. We help you eliminate high-interest debt, raise your credit score, and put compound interest to work — so every dollar has a purpose and a path.
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Whether you're paying down student loans, buying your first home, or preparing for a second act, our platform connects the right products to the right moment in your journey.
Zero-based budgeting meets envelope logic. Track cash flow across checking, savings, and credit accounts, then auto-allocate surplus toward your highest-priority goals each month.
Start budgeting →FDIC-insured accounts with APYs up to 4.65%, no monthly fees, and early direct deposit. Pair a checking account with a dedicated emergency fund earning 5× the national average.
Open an account →Compare term life, whole life, disability, and umbrella policies from 40+ carriers in under four minutes. Our licensed agents review your coverage gaps at no cost.
Get a quote →Commission-free trades on stocks, ETFs, and options. Automated rebalancing, tax-loss harvesting, and fractional shares make diversified portfolios accessible at any account size.
Start investing →Dispute inaccuracies, build thin files with secured cards, and monitor all three bureaus weekly. Clients see an average 72-point lift within six months of enrolling.
Check credit →Maximize 401(k) matches, roll over old accounts, and model Roth conversion ladders. Our CFP® professionals build a withdrawal strategy that lasts through age 95.
Plan retirement →Your credit score is the single most influential number in your financial life — it shapes the interest rate on your mortgage, the deposit on your apartment, and even the premiums on your car insurance. Yet most people have no idea what's actually on their report or how the five factors — payment history, utilization, age of accounts, credit mix, and new inquiries — interact.
The eighth wonder of the world, according to Einstein. Adjust the inputs below to see how time, consistency, and a reasonable rate of return can turn modest contributions into life-changing wealth.
This calculator assumes monthly compounding and a constant rate of return. Real markets fluctuate — use this as a directional guide, not a guarantee.
Your current savings trajectory supports a comfortable retirement at 62 with $7,400/month in income.
Most financial plans are static documents that gather dust. Ours is a living model that updates as your salary changes, your family grows, or markets move. We stress-test your plan against recession scenarios, longevity risk, and healthcare inflation — then build a Roth conversion ladder, a Social Security optimization strategy, and a bucketed withdrawal plan that lets you sleep through any market cycle.
Every client is paired with a CFP® professional who reviews your amortization schedules, rebalances your asset allocation annually, and coordinates with your CPA on year-end tax moves. It's the kind of holistic advice that used to be reserved for ultra-high-net-worth families — now available starting at $5,000 in investable assets.
"We came in with $38k in student loans and no emergency fund. Eighteen months later, the loans are gone, our credit scores are both above 760, and we just closed on a house. Meridian didn't just give us a spreadsheet — they gave us a plan we could actually stick to."
"I was maxing my 401(k) but had no strategy around it. My advisor walked me through a Roth conversion ladder and rebalanced my allocation for my age. The tax savings alone paid for the advisory fee three times over in year one."
"As a freelancer, my income swings wildly. The budget planner's variable-income mode is the only tool I've found that actually accounts for that. I've saved six months of expenses for the first time in my career."
We believe financial advice should be transparent. Here are the questions prospective clients ask most often.
Yes. We are a registered investment advisor and a fiduciary at all times. That means we are legally obligated to act in your best interest — not to sell you products that earn us higher commissions. Our advisors are compensated through a transparent, flat advisory fee.
Our self-service tools — budget planner, credit monitoring, and high-yield accounts — are free with no minimums. For advisory services, we accept clients starting at $5,000 in investable assets, and we offer a flat-fee financial plan for those who aren't ready to transfer assets yet.
No. Checking your own credit is a soft inquiry and has zero impact on your score. Hard inquiries — the kind that happen when you apply for new credit — do affect your score temporarily, but we'll always tell you in advance when one is coming.
Our calculator uses monthly compounding with the standard future value formula: FV = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) − 1) / (r/n)]. It assumes contributions at the end of each month and a constant annual return. Real returns vary year to year — treat the output as a long-term directional estimate.
Absolutely. In fact, we usually recommend tackling high-interest debt before aggressive investing. We'll model both the debt avalanche and debt snowball methods against your cash flow and recommend the sequence that saves you the most interest while keeping you motivated.
We use 256-bit AES encryption, multi-factor authentication, and read-only account aggregation through Plaid. We never store your bank credentials, and we undergo annual SOC 2 Type II audits. Your information is never sold to third parties — period.