I’m Moorea Monaco
Senior Associate Advisor, CFP®
Let me worry about the future so you can focus on the now.
Planning with your goals in mind
We work hard to understand who you are and what you want to accomplish, both personally and professionally, so we can best support you and your family in achieving your goals.
We're more than just investments
Together, we’ll implement a customized plan for all areas of your financial life: Investments, taxes, estate planning, insurance, charitable giving, and more.
Together we can take “plan for the future” off your To-Do list.
My family has said I’ve always been a worrier. I will argue that I’ve always been a planner. In college I focused my studies on urban planning, and later turned my passion for personal finance into a full-time job. Now, I’ve made a career out of planning ahead and anticipating the changing tides of life.
As a professional and a parent, I know how heavy the mental load can get. Planning for the future is the last thing you have time for when you have a to-do list a mile long. I feel this in my bones. That’s why I love planning ahead for other people. It’s something that comes naturally to me, and I enjoy knowing that my clients can spend their energy on the things that matter right now.
What are the concerns that keep you up at night?
Who are the people you want to protect when you’re gone?
Are you maximizing your employer benefits? (RSUs, 401ks, stock options, etc.)
Do your investments reflect your values?
Where do you hope to be 10, 15 or 20 years from now?
Define Your Goals
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The first step in any plan is to define your goals and write them down. Having realistic and achievable goals is key. |
Simplify
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Streamlining your accounts and getting organized can help ensure you’re on track toward your goals. |
Personal CFO
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I’ll do the heavy lifting to execute your customized plan, holding you accountable and adjusting as needed to meet your vision. |
Advocate
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I’ll protect your vision, making emotion-free decisions, helping you avoid pitfalls, and providing encouragement along the way. |
About Me
My name is Moorea Monaco. I’m a CERTIFIED FINANCIAL PLANNER™ who has worked in the financial planning industry since 2014. I was part of the original Carter & Carter Wealth Strategies team that merged with Merriman in 2017. I graduated from the University of Oregon with a focus in Planning, Public Policy, and Management.
On the weekends you’ll find me spending time with my husband and daughter. When time allows, we love going on road trips or trying new places to eat with family and friends. When I’m alone, I love getting lost in a book (or audiobook). Ask me about my road trip to the Seven Wonders of Oregon!
I’m looking forward to meeting you and providing guidance through all the stages of your life.
What is wealth management?
Wealth management is a comprehensive approach to financial planning. It covers all areas of your financial life, making wise use of your assets to help you in achieving your goals and living life to the fullest. Do you want to spend more time doing the things you love and worry less about your finances?
Then wealth management is for you!
Wealth Enhancement - make your assets work for you
- Minimizing taxes – now vs future?
- Managing appropriate cash reserves
- Should you pay off your mortgage early?
- How can you get the most out of Social Security?
- Evaluate your options for college savings
Wealth Preservation - strategies to help reduce risk
- Diversification
- Asset allocation and rebalancing
- Trend following
- Stock option planning
- What to do with concentrated stock positions?
Wealth Protection - proper coverage is key
- Disability or Long-Term-Care insurance planning
- Is umbrella insurance right for you?
- What type of life insurance makes the most sense?
- What level of homeowner’s coverage is appropriate?
- Is your rental property adequately protected?
Wealth Transfer - leaving a lasting legacy for your heirs
- How can you leave the most behind to your heirs without sacrificing too much now?
- Are your assets correctly titled so they’ll pass on in the way you intend?
- Are your healthcare directives and letters of instruction in place?
- Does a trust make sense for you? Which kind?
Charitable Giving - make the most of your contributions
- What charities are important to you?
- How can you make the most of your gifts to charity?
- Is a charitable trust right for you?
Plan with intention,
not by default.
Online Blog Resources
Minimizing Lifetime Taxes with Roth Conversions in Early Retirement
Moving into retirement is an exciting opportunity to live fully. For many, this period at the start of retirement can also be an opportunity to provide additional financial security—and minimize lifetime taxes—by making partial Roth conversions.
Guilt-Free Spending
Whether you are a busy professional struggling to figure out why you don’t have more money at the end of every month or you are already retired and unsure how to balance your personal spending with other goals, there is a strategy that can help you feel more in control of your money without having to budget.
Should You Have a Budget?
Join Wealth Advisor, Mike Ersser on a journey to discover budgeting types so you can determine the approach that makes the most sense for you!
