FAQ

What areas do you serve?

In California, Lamorinda, Lafayette, Moraga, Orinda, Pleasant Hill, Walnut Creek, San Ramon Valley, Danville, Alamo, Martinez, Concord, Contra Costa County, Benicia, Vallejo, and Solano County. Also Greater Seattle and clients in several other states.

How long has Michael been providing financial services?

Since 1979.

What are Michael’s credentials?

Michael earned a Bachelor of Arts degree in business management from St. Mary’s College in Moraga, Calif. He became a financial planner in 1984 and has achieved the professional designations of Certified Fund Specialist and Life Underwriting Training Fellow. He completed the FINRA-sponsored Series 7 examination and is licensed by the California Department of Insurance for life, disability, property and casualty, and variable insurance, and he also is certified in long-term care insurance. Please request a copy of his  to his ADVII B for a hard copy.

Are you tied to any major financial institutions or brokerage firms?

No, he is fully independent. Michael MacDonald  is an IAR-affiliate of United Planners Financial Services of America, which is a partnership among independent financial advisors. A member of the Financial Industry Regulatory Authority (FINRA), United Planners is independent from major financial institutions and focuses on providing a full range of products and services with a high level of personal service. Its status as a Registered Investment Advisor (RIA) ensures that its members act as fiduciaries for their clients, always placing clients’ interest above their own.

How are you compensated?

Michael MacDonald  is a fee-based financial services firm. With some narrow exceptions, we provide financial advice and services for a set fee, as opposed to earning commission payments based on selling proprietary products.

Who are your customers?

We serve a wide variety of professionals, business owners, pre-retirees, retirees, widows, and widowers.

What services do you offer?

 We offer planning assistance in the following areas: Overview Financial Plan is the broadest tool we provide it includes all the following areas, We also provide single need planning in, retirement planning, investment management, and risk management. as well as  estate planning, charitable gift planning, insurance solutions, tax strategies, retirement income planning, investment planning, pension plans, and 401(k) plans.

What is your investment philosophy?

We utilize diversification with active management to provide custom portfolio design. We monitor client portfolios carefully and emphasize asset allocation, rebalancing, risk management primarily through the use of Riskalyze and our Accumulate and Protect strategy, and cost controls, primarily utilizing Exchange Traded Funds (ETF) as well as institutional no-load funds with low expense charges.

Disclosure

Securities are offered to residents of AZ, CA, ID, NM, NV, OR, TX and WA. Advisory services offered to residents of CA.

Branch office: 2300 Contra Costa Blvd Suite 175, Pleasant Hill, California, 94523

United Planners Financial Services Of America is a Registered Investment Advisor and is Registered with the Securities Exchange Commission (SEC). The ADV is provided to advisory clients and available to all by request.

Michael J. MacDonald Insurance Services is Licensed with the California Department of Insurance, License #0576809. We are Licensed for Property and Casualty, Life and Disability, Variable Products, and Mike has fulfilled all Certification requirements for the sale of Long-Term Care and the California Partnership as well.

Michael J. MacDonald is an advisory representative offering securities and advisory services through United Planners Financial Services Of America, member SIPC. Insurance may be offered through United Planners Financial Services Of America. United Planners Financial Services Of America are not affiliated with Michael MacDonald Financial Management.

Contact Details

Michael MacDonald Financial
2300 Contra Costa Blvd Suite 175
Pleasant Hill, CA 94523

Email: mikemac@thefinancialadvisor.org
Website: thefinancialadvisor.org 
Phone: 925-521-0110