Meridian Financial Partners

Meridian Financial Partners provides holistic financial solutions to individuals and organizations nationwide. We build intelligent, low cost, diversified portfolios, combined with a very deep understanding of our client's complete financial picture.

Headquartered in Warrenton, VA, Meridian provides holistic financial solutions to individuals and organizations nationwide. The firm offers deep expertise and services in investment management, financial planning, and strategic integration of financial resources

Operating as usual

Investment Expenses: What’s Tax Deductible?

Investment expenses, such as fees for investment advice, IRA custodial fees, and accounting costs necessary to produce or collect taxable income have been eliminated. So what investment expenses can you claim a tax deduction for? Our friends at Charles Schwab provide a breakdown. Take advantage of these deductions if you’ve incurred investment expenses.

401(k) and IRA changes for 2021: Where and how can you contribute next year?

Looking ahead to next year, some retirement contribution limits will remain the same. Most employee sponsored retirement accounts and IRAs remain the same, but there are some changes to tax deductions related to traditional IRA contributions and Roth IRAs. The Internal Revenue Service announced new changes to eligibility for traditional IRA deductions in 2021.

[10/28/20]   Our office is currently closed and we are working remotely. Please reach out to your advisor via email if you need immediate assistance. We apologize for the inconvenience.

Smart ways to use your HSA in retirement

It's benefits open enrollment time for many employers. If you don't yet have a healthcare savings account, or HSA, and your employer offers one, it is worth considering. In addition to being a valuable investment vehicle, you can use HSA funds to pay for health care costs in retirement. Health savings accounts (HSAs) can be used in a variety of ways to help manage your health costs in retirement.

Meridian Financial Partners's cover photo

How We Think About Elections & Investment Decisions | Meridian Financial Partners

With one week left until the Presidential election, many clients are curious about the impact on our investment outlook and portfolio positioning. There are many factors to consider around this topic. Meridian doesn’t market-time elections. We understand that while election years can sometimes lead to downside volatility, the markets typically rebound strongly over the following year. And finally, fundamentals drive long-term investment outcomes regardless of the party in power. If you have any specific questions about your portfolio, please give us a call, we are here to answer any questions you have. Each time a U.S. presidential election approaches, we revisit with clients our views about the impact on our investment outlook and portfolio positioning. Here is a quick review of how we think about

Meridian had a faboolous time at #thepiedmontpumpkinexcursion benefitting the Fauquier Family Shelter Services! Grab a pumpkin and join in the fun through October 31st 🎃

Meridian Market Minute: Gifting Assets

When it comes to charitable giving, there are more options than writing a check. Have you considered gifting assets that have appreciated in value to your charity of choice?

Tax-loss harvesting | Capital gains and lower taxes | Fidelity

As Sarah mentioned in this week's blog, this is the time of year when we start to look at tax harvesting. By harvesting tax losses to offset gains and income you can help lower taxes. We are not accountants and don't work on taxes, but this is an important piece of your overall financial snapshot. Our friends at Fidelity explain in more detail. Curious about tax-loss harvesting? Learn how you can use tax-loss harvesting to offset a portion of any capital gains you've realized in this year.

Children & Money | Meridian Financial Partners

How are you saving for your child's future? As a parent and investment manager/planner, I want to teach my children good money habits. It can be relatively straightforward to teach them what to do, but actually setting up accounts for children,

It's Fall Y'all | Meridian Financial Partners

It's the most wonderful time of the year. No not the holiday season, but it's fall y'all and that means we are busy working with clients on tax planning, tax harvesting, RMDs, a review of your portfolios and looking forward to next year. We love this time of year because it's a great time to check in and check up with the Meridian family.

We do also love October for all the obvious fall reasons. 🍁🎃🍂 October is my favorite time to live in Virginia…I know we take our knocks when it comes to the weather, but October is the payoff for the crazy weather we have all year long.. I do love the shades of

Nathan, Tom, Tyler and Tyler's uncle enjoying this beautiful Fall day supporting Young Life of Fauquier County, doing one of their favorite things at the Fauquier County Young Life Community Touch golf tournament. Piedmont Club - Haymarket

Lost Things | Meridian Financial Partners

"According to Credit Karma, over $40 billion in unclaimed funds are sitting in state offices. And, that total doesn’t include all of the private funds from abandoned 401K accounts, brokerage accounts, PayPal accounts, etc."

Do you have any orphaned 401k accounts from a previous employer? It's certainly worth a look to make sure you know where your hard earned money is. At our house, "Have you seen my _{insert lost thing}­­ ?" is a common refrain. This morning, I couldn't find the carpet cleaner (that I had just used last week on a different pet incide

Meridian Market Minute: Annuities

As the saying goes, few things in life are guaranteed and this includes annuities benefits. With some hidden fees, and confusing guarantees, these investment vehicles require research to see if they are right for you. As with all investments, there are pros and cons and what works from one might not work for some. Nathan delves into the world of annuities in this week's Meridian Market Minute.

The Meridian family is happy to share some good news in 2020. Please join us along with Dog of Honor, Bea in congratulating Lucy and Tom on their recent nuptials!🥂 Cheers to Mr. and Mrs. Valandra!

Meridian is proud to be a 'stop' on the Piedmont Pumpkin Excursion 2020, supporting Family Shelter Services.

The Piedmont Pumpkin Excursion is a virtual walk and a great opportunity for you, your friends, and family to make your way around the greater Piedmont while raising funds and awareness for Family Shelter Services.

Family Shelter Services is a private non-profit organization operating a 52-bed emergency homeless shelter in Warrenton and 24-unit transitional housing in Vint Hill that helps nearly 400 people annually. All of the proceeds from this excursion will go to the operation and maintenance of FSS facilities!

For more information visit and when you stop by Meridian be sure to snap a pic and include #thepiedmontpumpkinexcursion.

Boost Your Retirement Income in 3 Steps | Kiplinger

Low interest rates are great for mortgages or buying a car, but not if you're nearing retirement and will rely on your investments to make you money. Here are some strategies to stretch those retirement dollars further. Low interest rates are a big challenge for retirees today. To help cope, try these three strategies.

Saving Isn't So Scary | Meridian Financial Partners

Halloween came early this year. It's true that 2020 has been a scary year, especially for small businesses. But for those that have hung in there, begun as a side gig or even thrived, the SECURE Act of 2019 provides tax credits up to $5,000 to small business owners to establish a qualified retirement plan, SEP, or SIMPLE. And if you haven't already taken advantage of these vehicles, now could be a good time. 2020 has proven to be the year almost everyone will be happy to see go as the clock nears midnight on Dec 31st. Although the issues we have been battling globally and as a country have been particular

Meridian Market Minute: TINA

With interest rates so low in bank accounts, there is no other alternative to grow your money than to invest. What will your alternative to bank investing be?

7 Important Questions a Financial Plan Can Help You Answer

The best laid plans begin with questions and honest answers. Here are some you should ask yourself when making your financial plan. Think you don't need a financial plan? Here are 7 important questions a financial plan can answer that may change your mind.

With adult children home, now's the time: Talk about your money

The pandemic has highlighted important financial decisions and there's no time like the present to make sure you have your plan laid out. Riding out the pandemic with family presents the perfect chance to lay it all out: priorities, account balances, end-of-life directives.

Serenity Now, Insanity Later? | Meridian Financial Partners

If you are someone with tax-deferred accounts (IRAs, 401ks, etc.) and over the age of 59.5, you likely have some decisions to make prior to the end of the year. With the RMD (Required Minimum Distribution) requirements waived for this year, is it worth considering taking a distribution anyway? I realize this blog title could pertain to a lot of things going on in our world right now. In fact, it probably could be reversed to, 'Insanity Now, Serenity Later.' At least, I certainly h

Borrow or Use Cash? | Meridian Financial Partners

Interest rates are historically low right now, which brings back the question, what's the better option: paying off your mortgage or using that money to invest? Naturally it depends on your personal situation and goals, but Sarah offers some tried and true advice.

*This blog was originally published in February. Thank you to one of our loyal readers for the suggestion of this topic! It's a good question and one we get a lot from people, especially those nearing or in retirement. And, it usually involves

Am I Saving Too Much for Retirement?

There can be too much of a good thing. Saving for retirement is a delicate balance of knowing how much is enough or is too much. It's important to know where the sweet spot is for your personal situation. As always, we're here to help. Think through your retirement goals to determine if you're saving more than enough for the future.

Fed Signals Low Rates Likely to Last Several Years

Interest rates have been steadily declining and the Fed plans on holding these rates low for a few years. If you're refinancing or buying a new house this is great news. But it doesn't bode well for saving money in a checking or savings account. This is where the right mix of investments comes in. Is your portfolio where it needs to be to reach your savings goal? The central bank pledged to support the economic recovery by raising the bar for increasing interest rates—and by signaling it expected to hold rates near zero for at least three more years.

Should You Pay Off Your Mortgage Early, Before You Retire?

Paying off your home can be a huge relief and a nice accomplishment! You've worked hard saving for your "golden years" so why not pay off your home before you stop working? Our friends at Charles Schwab offer some pros and cons to paying off your home before retirement. Whether it makes financial sense to pay off your mortgage depends on your individual situation. Here are some things to consider.

What Are the Sectors and Industries of the S&P 500?

ICYMI Nathan discussed how the different sectors of the S&P 500 affect its overall performance in last week's Meridian Market Minute. Here is some additional information to help you understand the makeup of the economy, stock market, and stock market indices. The sectors and industries that make up the S&P 500 comprise one of the most important concepts new investors should learn.

Meridian Market Minute: S&P 500 Sectors

Have you wondered why the S&P 500 is performing the way it is despite other parts of life that don't reflect the same? That's because there are different sectors of the S&P that perform differently. And when certain sectors perform well, they can outweigh those that are underperforming. When you're investing in the S&P 500, you want to pay attention to the sectors that best reflect your investment goals. Nathan delves into S&P sectors in this week's Meridian Market Minute.

Online estate planning | Protecting your assets | Fidelity

Estate planning doesn't need to be confusing. With a few simple steps you can outline how your estate will be managed, making it easier for your beneficiaries. Doing your estate planning online may save you time and money. Discover ways to protect your assets and loved ones here.

29 Psychological Tricks Used To Make You Buy More

Have you fallen for any of these tricks? This graphic looks at 29 different psychological tricks that marketers use to try and influence consumer behavior.

Happy Fall!

Reader Mailbag | Meridian Financial Partners

The temptation of opening a store card is strong! Loyalty points, special sales, and that feeling of belonging to the club are just some of the benefits. But how many credit cards do you need and is a store card right for you? Every time we send out the weekly blog email, we invite our readers to send ideas for future posts our way. Every now and then, a reader takes us up on that! 😊 Here's one question that we've

Tips on spending the money in college savings accounts

Funds in 529 plans grow tax free and can be withdrawn tax free if they’re spent on eligible education expenses. But there is some fine print. Funds in 529 plans grow tax free and can be withdrawn tax free if they're spent on eligible education expenses. But there is some fine print.

Meridian Market Minute: IPOs

What's your favorite IPO of 2020? It can be exciting when a company goes public and you purchase shares. But there can be a lot of volatility with IPOs so you should do your research. Nathan elaborates in the latest Meridian Market Minute.

6 potential pitfalls of Roth IRA Conversions

We've discussed Roth IRA conversions and their potential benefits, but like any financial decision, there are pros and cons for each individual situation. Here are some things to consider. And as always, we're here to discuss what will work best for you. Many financial planners recommend converting traditional IRAs to Roth IRA these days. But there are potential pitfalls. Here's what you need to know.

Clarify the path. Enjoy the Journey.

Headquartered in Warrenton, VA, Meridian provides holistic financial solutions to individuals and organizations nationwide. The firm offers deep expertise and services in investment management, financial planning, and strategic integration of financial resources. Meridian helps take the confusion, stress and fear out of money decisions, illuminating your path so you can enjoy the journey.

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Videos (show all)

Meridian Market Minute: Gifting Assets
Meridian Market Minute: Annuities
Meridian Market Minute: TINA
Meridian Market Minute: S&P 500 Sectors
Meridian Market Minute: IPOs
Meridian Market Minute: 401k and 403b Vesting
Meridian Market Minute: Stock Splits
Meridian Market Minute:  What's Your Allocation to Safe Assets?
Meridian Market Minute: Name that Beneficiary!
Meridian Market Minute: Social Security Benefits
Meridian Market Minute: Tax-free bonds
Meridian Market Minute: The Growth Sector and the S&P




39 S 4th St
Warrenton, VA

Opening Hours

Monday 09:00 - 16:00
Tuesday 09:00 - 16:00
Wednesday 09:00 - 16:00
Thursday 09:00 - 16:00
Friday 09:00 - 16:00
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