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https://maaplanning.com/

html maaplanning.com collected 2026-10-07 17:58:25 UTC 93,343 bytes, 2,255 lines download raw bytes

1<!DOCTYPE html>
2<html lang="en" class="no-js">
3<head>
4<meta charset="utf-8">
5<meta http-equiv="X-UA-Compatible" content="IE=edge">
6
7<link rel="shortcut icon" href="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/favicon/Hy6N2Ty-I-favicon.ico" type="image/x-icon">
8
9<meta name="viewport" content="width=device-width,initial-scale=1">
10<meta http-equiv="cleartype" content="on">
11<meta name="robots" content="noodp">
12
13<!-- Title & Description -->
14<title>Certified Financial Planner, PA — Menninger &amp; Associates</title>
15<meta name="description"
16content="Menninger &amp; Associates trusted financial planning services and personalized strategies from Certified Financial Planners. Schedule an introductory call today.">
17<!-- Open Graph -->
18<meta property="og:site_name" content="Menninger &amp; Associates">
19<meta property="og:title" content="Certified Financial Planner, PA">
20<meta property="og:description" content="">
21<meta property="og:url" content="https://maaplanning.com/">
22<meta property="og:type" content="website">
23
24<meta prefix="og: http://ogp.me/ns#" property="og:image" content="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/FmqFyUUT4PG/logo-dark.png">
25<meta property="og:image:width" content="253">
26<meta property="og:image:height" content="80">
27
28<meta itemprop="name" content="Certified Financial Planner, PA">
29<meta itemprop="description" content="Menninger &amp; Associates trusted financial planning services and personalized strategies from Certified Financial Planners. Schedule an introductory call today.">
30<meta itemprop="url" content="https://maaplanning.com/">
31<!-- Twitter Card -->
32<meta name="twitter:card" content="summary_large_image">
33<meta name="twitter:title" content="Certified Financial Planner, PA">
34<meta name="twitter:description" content="">
35
36<meta name="twitter:image" content="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/FmqFyUUT4PG/logo-dark.png">
37
38
39<!-- Mobile App Settings -->
40
41<link rel="apple-touch-icon" href="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/favicon/Hy6N2Ty-I.png">
42
43<meta name="apple-mobile-web-app-capable" content="yes">
44<meta name="apple-mobile-web-app-status-bar-style" content="black">
45<meta name="apple-mobile-web-app-title" content="Certified Financial Planner, PA">
46
47<!-- Prefetch -->
48<link rel="dns-prefetch" href="https://static.twentyoverten.com">
49
50<style>
51@import 'https://fonts.googleapis.com/css?family=Muli:400,400i,000,000i|Gentium+Basic:000,000i|Prata:000,000i|Montserrat:000,000i';
52</style>
53<link href="/assets/frameworks/assets/dist/css/global.css" rel="stylesheet">
54<link href="/assets/frameworks/themes/fresnel/3.0.0/assets/dist/css/main.css" rel="stylesheet">
55<link href="/assets/css/custom.css" rel="stylesheet">
56
57
58<style>
59html {
60  scroll-behavior: smooth;
61}
62
63#mobile-phone {
64  display: none;
65  position: fixed;
66  left: 0.5rem !important;
67  bottom: 0;
68  background-color: #fff;
69  color: #fff;
70  z-index: 99;
71  padding: 13px 1em;
72  font-weight: bold;
73  border-radius: 4px 4px 0 0;
74  box-shadow: 0 0 12px 0 rgba(0,0,0,0.1);
75  font-size: 18px;
76}
77
78.unset-left{
79    padding-left:unset !important;
80}
81.unset-right{
82  padding-right:unset !important;
83}
84
85.slider-title-h1{text-align: center;font-size: 6em;}
86
87/* Change Main Nav Button color */
88#main-navigation .btn {
89  background: #cda577 !important;
90  color: #fff !important;
91}
92
93#main-navigation .btn:hover {
94  background: #fff !important;
95  color: #000 !important;
96}
97
98.fixed-btn {
99  position: fixed;
100    bottom: 0rem;
101    left: 1rem;
102    z-index: 1;
103    color: #fff;
104    box-shadow: #333 3px 3px 8px;
105    padding: 0.8rem 1rem;
106    font-size: 1.2rem;
107}
108
109@media(max-width: 700px){
110  .fixed-btn {
111    left: 0;
112    font-size: 11px;
113  }
114  .brokercheck.is-simple.is-bottom-right {
115    right: 0.5rem !important;
116}
117
118.slider-title-h1{text-align: center;font-size: 5em;}
119}
120
121/* accordion dashboard styles */
122.editable .toggle-accordion {
123  pointer-events:none;
124}
125.editable .accordion-content {
126  position:relative;
127  display:block;
128  border: dashed 2px #aaa;
129  margin:1rem auto;
130}
131.editable .accordion-content::before  {
132  content: 'Accordion Content';
133    display: block;
134    position: absolute;
135    bottom: 100%;
136    left: -1px;
137    background: #333;
138    color: white;
139    font-size: 9px;
140    text-transform: uppercase;
141    font-weight: 600;
142    padding: .5em 1em;
143    border-radius: 4px;
144    border-bottom-left-radius: 0;
145    border-bottom-right-radius: 0;
146    opacity:.7;
147} 
148/* end accordion dashboard styles */
149
150.callout-gray {
151    position: relative;
152    z-index: 1;
153    margin: 4rem 0;
154    padding: 3rem 0;
155}
156
157.callout-gray::before {
158    content: '';
159    position: absolute;
160    top: 0;
161    bottom: 0;
162    z-index: -1;
163    left: -100vw;
164    width: 200vw;
165    background: #eee;
166    border: 2px solid #cda577;
167}
168
169.tv-video {
170  width: 50%;
171}
172.brokercheck.is-simple.is-bottom-right {
173    right: 9.9rem;}
174/*.footer{background-color : #291966; color: #fff;}*/
175.footer{background: #1D308D; color: #fff;}
176.footer-wrapper{background-color : #291966; color: #fff;}
177
178.social-icon{color: #fff !important; border: #fff solid 1px; font-size: 17px !important; width: 30px; height: 30px; line-height: 30px !important;}
179.social-link{margin: 0px;}
180
181/*.page-bg .overlay {background: rgb(41 25 102 / 0.85);}*/
182
183@media (min-width: 820px){
184 #logo img { max-height: 5rem !important;}
185}
186.header-inner {
187    border-bottom: 1px solid #ffffff4a;
188    padding-bottom: 10px;
189}
190
191#main-navigation>ul>li a {
192  margin: 0 0.5rem !important;
193  letter-spacing: 0px !important;
194  font-family: 'Raleway', sans-serif !important;
195  font-size: 12px;
196  font-weight: 600;
197}
198
199#logo {
200    width: 300px;
201}
202#header {
203    padding: 1rem 10rem;
204}
205.normal-text{margin: 0 0 .5rem 0; line-height: 1.5; font-size: 14px;}
206
207#sub-navigation ul li a {
208    letter-spacing: 0px;
209    font-weight: 600;
210    font-size: 14px;
211}
212#sub-navigation{border-bottom: #31236b solid 1px; width: max-content; margin: 0px auto; padding-bottom: 25px; }
213
214#sub-navigation ul li a::after{width: auto; margin: -5px auto 0;}
215
216/*.fr-wrapper > .fr-element > h1 {text-transform: uppercase;}*/
217
218#tot_badge {
219    margin-top: 1rem;
220    font-size: 0.8em;
221    text-align: center;
222    color: #fff;
223    position:absolute;
224    width:74%;
225    bottom:25px;
226}
227#tot_badge span{
228  color: #fff;
229}
230.footer{ padding:0px 0px 120px 0px;}
231.footer-wrapper > .container{
232    padding-top: 45px;
233}
234
235.footer-contact-menninger-btn{
236  position: 
237  fixed;
238  bottom: 0px;
239  width: 180px;
240  height: 54px;
241  color:#fff !important;
242  background-color: #cc4827 !important; 
243  padding: 0.5rem 1rem;
244  font-size: 12px;
245  text-transform: uppercase;
246  letter-spacing: 0px;
247  text-align: center;
248  border-radius: 4px;
249  border-bottom-left-radius: 0;
250  border-bottom-right-radius: 0;
251  box-shadow: 0 0 6px 0 rgb(0 0 0 / 60%);
252  transition: all .2s ease;
253}
254
255.footer-contact-btn{
256  position: fixed;
257  bottom: -30px;
258    left: 4.5em;
259} 
260
261.footer-contactus-img{
262  width: 85%;
263}
264
265.footer-copyright{text-align: center;position: absolute;  width: 75%; bottom: 30px;}
266
267.footer-text{font-size:14px;}
268/*.upcoming-shows-btn{position: fixed; bottom: -48px;right: 165px;}*/
269/*.upcoming-shows-btn {position: fixed; bottom: 20px; right: 97px;}*/
270.upcoming-shows-btn {position: fixed; bottom: -35px;
271    right: 275px;}
272
273
274.author-box {background-color:#f5f5f5; border-top: 1px solid #ccc; padding: 3rem 3rem 1rem 3rem;}
275
276.author-box img {display: block; vertical-align: top; margin-right: 2rem; width: 30%; float: left;}
277
278
279@media (max-width: 360px) {
280  .footer-contact-menninger-btn {left: 11px;}
281  .footer-contact-btn {left: 11px;}
282  .footer-copyright {width: 87%;bottom: 70px; font-size: 13px;}
283  #tot_badge {width: 78%; bottom: 65px;}
284  .upcoming-shows-btn{bottom: 113px; position: absolute;}
285  .footer-contactus-img{width: 63% !important; bottom: 13px !important; left: -80px !important; }
286  
287  .slider-title-h1{text-align: center;font-size: 3.5em !important;}
288   #header {padding: 1rem 1rem;}
289}
290@media (max-width: 375px) {
291  .footer-contact-menninger-btn {left: 11px;}
292  .footer-contact-btn {left: 11px;}
293  .footer-copyright {width: 87% !important;bottom: 79px !important;}
294  #tot_badge {width: 83% !important; bottom: 71px !important;}
295  .upcoming-shows-btn{bottom: 113px; position: absolute;}
296  .footer-contactus-img{width: 60%; bottom: 15px; left: -75px; }
297  
298  .slider-title-h1{text-align: center;font-size: 4em !important;}
299   #header {padding: 1rem 1rem;}
300}
301@media (max-width: 667px) {
302  .footer-contact-menninger-btn {left: 11px;}
303  .footer-contact-btn {left: 11px;}
304  .footer-copyright {width: 87%;bottom: 70px !important;}
305  #tot_badge {width: 78%; bottom: 65px !important;}
306  .upcoming-shows-btn{bottom: 113px; position: absolute;}
307  .footer-contactus-img{width: 68% !important; bottom: 7px !important; left: -81px !important; }
308  
309  .slider-title-h1{text-align: center;font-size: 4em !important;}
310  
311  #header {padding: 1rem 1rem;}
312  .mobile-table td, .mobile-table th {
313    display: block !important;
314    width: 100% !important;
315  }
316
317  body.rvntv-show .fr-video {
318    height: 100%;
319    padding-bottom: 0;
320}
321
322#mobile-phone {display: block;}
323
324}
325  
326@media (max-width: 768px) {
327  .footer-contact-menninger-btn {left: 11px;}
328  .footer-contact-btn {left: 11px;}
329  .footer-copyright {width: 97%;bottom: 50px;}
330  #tot_badge {width: 93%; bottom: 45px;}
331  .upcoming-shows-btn{bottom: 75px; right: -44px;}
332  .brokercheck.is-simple.is-bottom-right {
333    right: 0.5rem !important;}
334  .footer-contactus-img{left: -52px;
335    width: 85%;
336    bottom: 0px; }
337    
338  .slider-title-h1{text-align: center;font-size: 4em !important;}
339}
340
341@media (max-width: 1024px) {
342  .upcoming-shows-btn {position: fixed; bottom: 100px;right: -31px;}
343  .brokercheck.is-simple.is-bottom-right {right: 7rem;}
344  .footer-contactus-img{width: 65% !important; bottom: 7px !important;
344 left: -91px !important; }
345  
346  .slider-title-h1{text-align: center;font-size: 6em;}
347}
348
349.footer-heading{color: #fff !important; text-transform: uppercase; font-size: 17px; font-family: 'Raleway', sans-serif; font-weight: 600;}
350
351.what-we-do-btn{color:#fff;background-color: #cc4827;padding: 0.5rem 1rem;font-size: .9em;text-transform: uppercase;letter-spacing: 0px;text-align: center;}
352
353@media (min-width: 980px){
354  .member-item.show-3-up {
355    flex-basis: 28.33333%;
356    max-width: 26.33333%;
357  }
358  .member-item.show-4-up {
359    flex-basis: 20.1%;
360    max-width: 20.1%;
361  }
362}
363
364.upcoming-shows-btn {
365  display: none;
366}
367
368.rvntv-show .upcoming-shows-btn {
369  display: block;
370}
371
372/*modal*/
373@media (min-width: 820px) {
374  .overlay-content {
375    position: fixed;
376    top: 50%;
377    left: 50%;
378    -ms-transform:translate(-50%, -50%);
379    -webkit-transform:translate(-50%, -50%);
380    transform:translate(-50%, -50%);
381    width: 80%;
382    height: 80%;
383    box-shadow: 0 0 7px rgba(0,0,0,0.4);
384  }
385    .editable  .overlay-content{
386    transform:none;
387  }
388}
389.editable .overlay-content {
390    position: fixed;
391    top: 10%;
392    left: 10%;
393    width: 80%;
394    height: 80%;
395    box-shadow: 0 0 7px rgba(0,0,0,0.4);
396  }
397  .close-overlay::before, .close-overlay::after {
398    background: #182e56;
399}
400.editable .open-overlay,
401.editable .close-overlay {
402  pointer-events:none;
403}
404.editable .overlay-content {
405    opacity: 1;
406    visibility: visible;
407    position:relative;
408    top:unset;
409    left:unset;
410    width:auto;
411    height:auto;
412    border:dashed 2px #aaa;
413  border-radius:6px;
414  margin:2rem 0;
415}
416.editable .overlay-content::before {
417  content: attr(id)' Modal';
418    display: block;
419    position: absolute;
420    bottom: 100%;
421    left: -1px;
422    background: #333;
423    color: white;
424    font-size: 9px;
425    text-transform: uppercase;
426    font-weight: 600;
427    padding: .5em 1em;
428    border-radius: 4px;
429    border-bottom-left-radius: 0;
430    border-bottom-right-radius: 0;
431}
432.editable .overlay-content .overlay-content-wrapper {
433  position:relative;
434  opacity:1;
435  transform: translate3d(0, 0, 0);
436    
437}
438
439@media (max-width: 820px) {
440  .desktop-only {
441    display: none;
442  }
443}
444
445/* this is the minimum CSS for the card to function */
446.card.flip {
447  height: 100%;
448  display: flex;
449}
450 
451.card.flip .card-content {
452  display: flex;
453  -webkit-transform-style: preserve-3d;
454  transform-style: preserve-3d;
455  transition: .7s transform;
456  max-width: 100%;
457}
458 
459.card.flip:hover .card-content, 
460.card.flip:focus .card-content {
461  -webkit-transform: rotateY(-180deg);
462  transform: rotateY(-180deg);
463}
464 
465.card.flip .front, 
466.card.flip .back {
467  -webkit-backface-visibility: hidden;
468  backface-visibility: hidden;
469  min-width: 100%;
470  transform-style: preserve-3d;
471}
472 
473.card.flip .back {
474  -webkit-transform: rotateY(-180deg) translate(100%, 0);
475  transform: rotateY(-180deg) translate(100%, 0);
476}
477
478/* dashboard styles to make the cards editable */
479.editable .card.flip {
480  perspective: none;
481  height: auto;
482}
483 
484.editable .card.flip .card-content {
485   transform-style: unset;
486   flex-wrap: wrap;
487}
488 
489.editable .card.flip:hover .card-content, 
490.editable .card.flip:focus .card-content {
491    transform: none;
492}
493.editable .card.flip .front, 
494.editable .card.flip .back {
495  backface-visibility: visible;
496  transform-style: unset;
497  min-width: auto;
498  position: relative;
499  position: relative;
500  display: block;
501  border: dashed 2px #aaa;
502  margin: 1rem auto;
503  padding: .5rem;
504}
505 
506.editable .card.flip .back {
507    transform: none;
508}
509 
510.editable .card.flip .front::after, 
511.editable .card.flip .back::after {
512    content: 'Card Front';
513    display: block;
514    position: absolute;
515    bottom: 100%;
516    left: -1px;
517    background: #333;
518    color: white;
519    font-size: 9px;
520    text-transform: uppercase;
521    font-weight: 600;
522    padding: .5em 1em;
523    border-radius: 4px;
524    border-bottom-left-radius: 0;
525    border-bottom-right-radius: 0;
526    opacity:.7;
527}
528 
529.editable .card.flip .back::after {
530    content: 'Card Back';
531}
532
533.border-box{
534  border-top: 3px solid #002c6f;;
535  box-shadow: 0 0 2px 0 rgba(0, 0, 0, 0.3);
536  padding-bottom: 2rem;
537  margin-bottom: 15px;
538}
539
540#main-navigation ul li:last-of-type a.btn{
541  margin-left: 5rem !important;
542}
543
544#header a.btn{
545  border: 2px solid #cda577;
546}
547
548#header a.btn:hover{
549  border-color: inherit;
550}
551
552.honey-peach {
553  background: #DCC09F;
554  padding: 1em;
555}
556
557.callout-honey-peach::before {
558  /*background: #DCC09F;*/
559  background: rgb(220,192,159);
560background: linear-gradient(180deg, rgba(220,192,159,1) 0%, rgba(255,255,255,0) 65%, rgba(255,255,255,0) 100%);
561}
562
563.callout-honey-peach h1 {
564  color: #000;
565}
566
567.callout-honey-peach p {
568  color: #000;
569}
570
571.midnight-melancholia {
572  background: #00206D;
573  padding: 1em;
574  color: #ffffff;
575}
576
577@media (max-width: 820px) {
578  .callout-midnight-melancholia::before {
579  background: linear-gradient(180deg, rgba(255,255,255,0) 18%, rgba(0,32,109,1) 18%, rgba(0,32,109,1) 94%, rgba(255,255,255,0) 50%) !important;
580  }
581}
582
583.callout-midnight-melancholia::before {
584  /*background: #00206D;*/
585/*  background: rgb(255,255,255);*/
586/*background: linear-gradient(180deg, rgba(255,255,255,0) 34%, rgba(0,32,109,1) 25%);*/
587/*background: rgb(255,255,255);*/
588background: linear-gradient(180deg, rgba(255,255,255,0) 34%, rgba(0,32,109,1) 25%, rgba(0,32,109,1) 92%, rgba(255,255,255,0) 50%);
589
590}
591
592.callout-midnight-melancholia-btn {
593  background: #cda577 !important;
594  color: #ffffff !important;
595}
596
597.callout-midnight-melancholia-btn:hover {
598  background: #242424 !important;
599  color: #cd3820  !important;
600}
601
602.callout-shu-red::before {
603  background-image: url("https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/thM9T9D5Zq/Untitled-10-1-in-1.png");
604  background-size: cover;
605}
606
607.callout-lynx-white::before {
608  background: #F7F7F7;
609}
610
611.callout-lynx-white h3 {
612  color: #002c6f;
613}
614
615@media (min-width: 1864px) {
616  .awards {
617  flex-wrap: nowrap;
618  margin-right: 0;
619  margin-left: 0;
620}
621}
622
623@media (min-width: 1558px) {
624  .educational-resources {
625    flex-wrap: nowrap;
626  }
627}
628
629@media (min-width: 1300px) {
630.awards .col-lg-4 {
631  flex-basis: 29.33333%;
632  max-width: 29.33333%;
633  margin: 0 -3em;
634}
635}
636
637#sub-navigation li {
638  margin: 0px 1em auto;
639}
640
641.gps-btn {
642    position: fixed;
643    bottom: 0rem;
644    right: 1rem;
645    z-index: 1;
646}
647
648@media (max-width: 768px) {
649  .gps-btn {
650    right: 0rem;
651    left: 1rem;
652}
653}
654
655.gps-img {
656  width:150px;
657}
658
659.anchor {
660  position: relative;
661  top: -15vh; /* Adjust this number as needed */
662}
663
664.custom-bkg:before {
665  background: url(https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/cSKVugORMsg/Website-Banner.png);
666  background-position: center center;
667  background-repeat: no-repeat;
668  background-attachment: scroll;
669  background-size: cover;
670}
671
672.custom-bkg h1, .custom-bkg p {
673  color: #FFFFFF;
674}
675
676.flush-top {
677  margin-top: -4em;
678}
679
680
681/*Google Reviews*/
682
683@media (min-width: 1558px) {
684    .google-reviews {
685        flex-wrap: nowrap;
686    }
687}
688
689@font-face {
690  font-family: 'Google Symbols';
691  font-style: normal;
692  font-weight: 100 700;
693  font-display: block;
694  src: url(https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/5ZbG5kSPeWu/google-symbol.woff2) format('woff2');
695}
696
697  .google-symbols {
698    font-family: "Google Symbols";
699    font-weight: normal;
700    font-style: normal;
701    font-size: 24px;
702    line-height: 1;
703    letter-spacing: normal;
704    text-transform: none;
705    display: inline-block;
706    white-space: nowrap;
707    word-wrap: normal;
708    direction: ltr;
709    font-optical-sizing: none
710}
711
712.hCCjke {
713    cursor: default;
714}
715
716.elGi1d {
717    color: #ffbb29;
718}
719
720.NhBTye {
721    font-variation-settings: "FILL" 1;
722}
723
724.mb-1 {
725  margin-bottom: 1em;
726}
727
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1425<h1 class="is-mb0 hero" style="text-align: center;"><em>We are a financial planning firm that helps clients transition from saving for a comfortable retirement to living one.</em></h1>
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1473*Please refer to disclosures at the footer of this page. No fee was required to receive these awards.
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1487<h2 style="text-align: center; color: #000000;"><strong>Financial Planning Educational Resources</strong><img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/tkzav8tpV6/Untitled-design-3.png" id="isPasted" style="width: 138px;"></h2>
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1495<p id="isPasted" style="text-align: left;">Learn a new<strong><em> Trick of the Trade</em></strong> every month from articles written by the Menninger &amp; Associates team, and stay ahead of the curve in the financial market.</p>
1496</div>
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1499
1500<p id="isPasted">On <strong><em>DeMystiFi</em></strong>, Nick DeVito, CFP® breaks down complex financial topics into simple, practical guidance that helps viewers build confidence, make smarter money decisions, and take greater control of their financial future.</p>
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1504
1505<p id="isPasted"><strong><em>The Financial Blueprint</em></strong> with Kyle Ryan, CFP® is a weekly show that simplifies retirement, investing, taxes, cash flow, and wealth-building into clear, practical strategies to help you gain real confidence and control over your money.</p>
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1509<!-- <div class="row"><span class="delete-row"></span>
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1513				<a href="https://maaplanning.com/educational-resources/financial-planning-explained"><img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/IsYGGn7Caj/Copy-of-Podcast-Coverart-19.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center;"></a>Join us weekly as Mike interviews industry experts, business owners, and corporate executives to take a closer look at the six fundamental areas of Financial Planning and creative ways to help improve your financial success!
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1519				<a href="https://maaplanning.com/weekly-recap"><img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/HOjsH5OtDY/Copy-of-Podcast-Coverart-18.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center;"></a>Check out our Weekly Market Recap for the latest economic news and insights, as well as a summary of how the U.S. stock market performed the prior week.
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1524			<a href="/tricks-of-the-trade"><img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/kBkSuY6gkP/Copy-of-Podcast-Coverart-17.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center;"></a>Learn a new 'Trick of the Trade' every month from articles written by the Menninger &amp; Associates team, and stay ahead of the curve in the financial market.</p>
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1531
1532<h2 style="text-align: center; color: #000000;">Why Choose Financial Planning Services From Us?<img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/tkzav8tpV6/Untitled-design-3.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 126px;"></h2>
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1547
1548<p style="font-size: 20px;">A <strong>fiduciary</strong> is a professional entrusted to manage advisory assets or wealth while putting the advisory client's best interests f
1548irst at all times. When acting in a fiduciary capacity, financial advisors must disclose any conflict, or potential conflict, to their clients before and during the advisory engagement. Fiduciaries will also adopt a code of ethics and fully disclose how they are compensated.</p>
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1563
1564<p style="font-size: 20px;">The prestigious <strong>Certified Financial Planner</strong> (<strong>CFP</strong>) designation is a formal recognition of knowledge in the areas of financial planning, taxes, insurance, investment management, estate planning, and retirement (such as with a 401k). Owned and awarded by the Certified Financial Planner Board of Standards, Inc., the certification is awarded to individuals who successfully complete the CFP Board's initial exams, then continue ongoing annual education programs to sustain their skills and certification.</p>
1565
1566<p style="font-size: 20px; text-align: center;"><a class="btn" href="https://maaplanning.com/why-use-a-cfp">WHY USE A CFP?</a></p>
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1570</h2>
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1577<a class="btn is-pill" href="https://maaplanning.com/contact-us">schedule an introductory call</a></p>
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1586
1587			<p style="text-align: center;"><strong>2022 ECONOMIC &amp; MARKET OUTLOOK</strong></p>
1588
1589			<p><u><strong>Review of Last Year (2021)</strong></u></p>
1590
1591			<p>A review of 2021 cannot begin without a recap of 2020, which started on sound footing, as the economy had been growing rapidly since 2019. That growth continued until the stock market reached its peak on February 19, 2020, which is when the news of COVID-19 began to appear. Fear was gaining momentum, as hospitals were quickly filling up, death tolls were mounting, and it was all over the news. States were beginning to mandate that only “necessary” occupations could go to work. This sent a huge ripple of fear throughout the US and the rest of the world, as this new virus became a pandemic that no one was prepared for.</p>
1592
1593			<p>By March 23, 2020, the stock markets had reached their lows, almost 35% from their peaks only five weeks earlier. Similarly, the bond markets were also in a tailspin, as liquidity hit a screeching halt. There was virtually no place to hide for investors, as the rare event of bonds and stocks dropping precipitously was firmly underway. The US entered into a recession.</p>
1594
1595			<p>On March 23, the federal government announced that it would be establishing several stimulus packages that would support individuals who lost their jobs, and also provide financial support to businesses. Recognizing that the Armageddon was not in sight for businesses, and there was a glimmering light that could be seen at the end of the tunnel, the stock markets quickly rallied back from the abyss. In addition, the Fed also dropped interest rates to near zero to help spur economic growth.</p>
1596
1597			<p>In just one week, the stock markets rebounded 10% and never looked back. Soon after, the liquidity crunch was relieved by other fiscal stimulus programs, with bonds recovering their losses. By the end of 2020, the stock markets rallied back sharply (28.8% for the S&amp;P 500), and bonds recovered to gain nearly 6%. It should be noted that there was a swift divergence between the Dow and the NASDAQ, as the Dow gained only 5.3% while the NASDAQ gained 41.5% in 2020. With interest rates near zero, the growth stocks began a historic run that has not been seen since the tech bubble of the late 1990s.</p>
1598
1599			<p>During 2021, the federal government enacted another stimulus package that flooded the US with more money designed to spur the economy. During the pandemic, the average household created a record amount of savings, while household debt was reduced to historic lows. Further, the government continued their stimulus packages that resulted in many lower-earning workers making more money collecting unemployment benef
1599its.</p>
1600
1601			<p>A labor shortage was created due to employees not wanting to go back to work for a variety of reasons. The labor shortage then led to a supply-chain disruption, as many goods weren’t available to consumers to buy. A result of the labor shortage was an increased wage growth, which also led to an increase in the cost to produce goods. The combination of labor shortage and increased demand caused a supply chain disruption created the ingredients for inflation, which quickly became the leading concern in the US economy as the year 2021 ended.</p>
1602
1603			<p></p>
1604
1605			<p><strong><u>Looking Ahead to 2022</u></strong></p>
1606
1607			<p>It’s hard to believe that we are approaching the 2-year anniversary of the pandemic. It’s equally hard to believe how resilient the stock markets have been in the face of the pandemic, as we experienced consecutive years of gains exceeding 20%. Stocks (as represented by the S&amp;P 500) began 2022 with a forward price to earnings (PE) ratio of 21.2, which is 26% higher than the 25-year average of 16.8. However, many economists consider the stock market yield (inverse of PE or 1/21.2) of 4.73%, which is more than 3% higher than the 10-year Treasury yield. When we had elevated PE ratios in the late 1990s and a stock market yield of 4% - 5%, the 10-year Treasury yield was closer to 6%. So, many pundits believe that stocks are still relatively cheap compared to bonds, creating the T.I.N.A. (There Is No Alternative) effect. Fundamentally, stock prices are based on their earnings and earnings growth. Earnings growth has been spectacular after falling dramatically in 2020. In 2022, earnings increases will become more modest. Growth from stimulus is fading and companies will have to manage their profits in a slower-growth, higher-inflation environment. That said, the U.S. Leading Economic Index suggests we’re not near a recession yet, but that peak economic growth may be behind us.
1608			</p>
1609
1610			<p>The consensus of analysts estimate that the stock market will continue to have earnings growth of about 8% in 2022, which is at a slower pace than the rapid growth of 2021. It should be noted that the extraordinarily high earnings growth in 2021 is due in great part because they are compared to the recessed earnings in 2020. However, if compared to the pre-pandemic levels from 2019, we still experienced an average annual growth rate of about 15% over the last two years. In 2022, there may also be a shift from the technology / growth companies that led us out of the recession to more service-oriented companies that had suffered the most, but stand to benefit from people spending the money they’ve been saving. The Federal Reserve (the Fed) is forecasting 3.8% in U.S. GDP growth in 2022, down from their 5.9% projection for 2021. This 3.8% growth rate is still high relative to the prior expansion after the global recession in 2008. This seems in line with many other economists’ forecasts. While growth is slowing to more sustainable levels, the Fed raised its growth forecast for 2022, partly because supply chain disruptions pushed economic activity previously expected in 2021.</p>
1611
1612			<p>Breaking down GDP, consumer spending (which makes up roughly 70% of GDP) is projected to rise in 2022, but at a slower pace. Spending will be moderated as government stimulus fades, but consumers have accumulated cash and are expected to spend more on leisure activities that were postponed because of the pandemic. Business spending should accelerate as businesses try to keep up with demand from economies reopening and building up inventories. In addition, businesses are looking to expand and purchase more computers and equipment at currently low interest rates, as they look to increase automation due to labor shortages.</p>
1613
1614			<p>Much of the attention in 2022 will be on the Fed and when they will raise short-term interest rates, which are designed to slow the economy in an attempt to combat inflation. The problem the Fed is encountering is that much of the inflation is temporary, caused by supply-side disruptions that will likely abate. Further, the Fed needs to be cautious when raising rates because in the past, recessions have occurred when the Fed raised rates too quickly. During the most recent Fed meeting in December, they alluded to possibly raising interest rates three times in 2022. A rising interest rate environment also puts pressure on the bond market as core bonds typically lose value under the circumstances. Given an already low yield, a loss in value could easily cause a negative total return, effectively ending the 40-year bond market bull run. It should be noted that not all bonds are equally at risk so care must be taken when investing in bonds in 2022.
1615			</p>
1616
1617			<p><strong><u>Summary</u></strong></p>
1618
1619			<p>Economic growth is slowing from the high growth rates that were a result of the huge rebound from the recession and massive amounts of fiscal stimulus. However, economic growth rates are still forecast to be above pre-pandemic levels. The big story in 2022 could be the Fed and when they decide to start raising rates and by how much. Therefore, we will be watching the labor market and inflation very carefully as they will be what would cause the Fed to act sooner rather than later.</p>
1620
1621			<p>The consensus of economists predicts a stock market growth of 5% - 10% in 2022, but the following risks continue to persist:</p>
1622
1623			<ul>
1624				<li>Continued and increasing inflation rates.</li>
1625				<li>The Fed raising interest rates too quickly.</li>
1626				<li>A surge in the pandemic causing economic shutdowns.</li>
1627				<li>
1627Geopolitical unrest such as a Russian invasion on Ukraine, a China invasion on Taiwan, an Iran attack on Israel, or other major international conflicts.</li>
1628			</ul>
1629
1630			<p>Overall, the US Economy remains on strong footing, so there is good reason to feel confident heading into 2022.</p>
1631		</div>
1632	</div>
1633</div> -->
1634
1635</a></p>
1636
1637<p id="isPasted" style="text-align: center;">
1638<br>
1639</p>
1640<div class="callout callout-lynx-white" style="padding: 1.5rem 0;">
1641
1642<p>
1643<br>
1644</p>
1645
1646
1647<br>
1648
1649
1650<h4 style="text-align: center; color: #000000;"><strong>AS FEATURED IN</strong></h4>
1651
1652<table class="no-borders" style="width: 100%; margin-right: calc(0%);"><tbody><tr><td style="width: 14.2857%;"><img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/363R5wak1op/Branding-Logos-10.png" style="display: block; vertical-align: top; margin: 0px auto 0px 0px; text-align: left; width: 156px;"></td>
1653<td style="width: 14.2857%;"><img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/EUZ3BLIpOVn/Financial-Advisor-Magazine-logo-modified-1-1024x283.jpg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 178px;"></td>
1654<td style="width: 14.2857%;">
1655<br><img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/622lk0iMDvx/New-York-Times-Square-Logo.png" id="isPasted"></td>
1656<td style="width: 14.2361%;">
1657<br><img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/1L5nxMhASbE/Branding-Logos-7.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 142px;"></td>
1658<td style="width: 14.3229%;"><img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/n-EVkhks79y/Branding-Logos-9.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center;"></td>
1659<td style="width: 14.3229%;">
1660<br><img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/5VjXQ0URd5y/Branding-Logos-8.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 143px;"></td>
1661<td style="width: 14.2361%; vertical-align: middle;">
1662<br><img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/vJlxBt4h5n4/Branding-Logos-11.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 162px;"></td></tr></tbody></table>
1663<br>
1664
1665<p>
1666<br>
1667</p>
1668
1669
1670
1671
1672<!-- 	<br>
1673	
1674	
1675	<h3 id="isPasted" style="text-align: center;"><strong>CELEBRATING 25 YEARS OF EXCELLENCE</strong></h3>
1676	<br>
1677	<div class="row center-xs awards "><span class="delete-row"></span>
1678		<div class="col-xs-12 col-sm-4 col-md-4 col-lg-4">
1679	
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1684		</div>
1685		<div class="col-xs-12 col-sm-4 col-md-4 col-lg-4">
1686	
1687			<img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/7uWzA0kNFm-/Fresh-Finance-and-Website-Homepage-Graphics-8.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 295px;">
1688		</div>
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1690			<img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/LQerCa2trlF/Fresh-Finance-and-Website-Homepage-Graphics-6.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 296px;">
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1694		</div>
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1696	
1697	
1698	
1699	
1700	<br>
1701	
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1703	
1704		*Please refer to disclosures at the footer of this page. No fee was required to receive these awards.
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1762
1763<h3><a href="https://maps.app.goo.gl/imCbMUmSVF4gvCV17" rel="noopener noreferrer" target="_blank">Thomas Manes</a></h3>
1764<span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span>
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1767
1768<p>I can not say enough about the people at M&amp;A! My parents have been with them for years and obviously trust them like family members. &nbsp;I, in particular, have built a relationship with Kyle Ryan who I think very highly of. &nbsp;These people are not there to simply make a % commission off your money ... they are they to build relationships, educate...</p>
1769
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1780
1781<h3><a href="https://maps.app.goo.gl/t5FvmVZ2ZS9GrCHv6" rel="noopener noreferrer" target="_blank">Louise Robertson</a></h3>
1782<span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span>
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1785
1786
1787<p>My husband and I have relied on several financial planners throughout the years and have found Michael and his team to be everything we need and more. &nbsp;They are knowledgeable, trustworthy and attentive to our needs. &nbsp;When I reach out to any member of the team, I receive a response before the end of the day if not immediately. &nbsp;They have taken the...</p>
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1797</div>
1798<div class="col-xs-12 col-sm-9">
1799
1800<h3><a href="https://maps.app.goo.gl/dgzibiU2nWC7vG9C8" rel="noopener noreferrer" target="_blank">Bill DiBonaventura</a></h3>
1801<span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span>
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1805
1806<p>My wife and I have worked with Mike Menninger for over twenty years. Menninger and Associates have always provided education, information and innovation to help our family financially navigate all the phases of our life. We meet several times a year. The team invests their time and attention so that we are confident in the decisions that...</p>
1807
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1819<h3><a href="https://maps.app.goo.gl/PZktnWMDMA6nUY3t6" rel="noopener noreferrer" target="_blank">Joe and Eileen Cirelli</a></h3>
1820<span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span><span aria-hidden="true" class="hCCjke google-symbols NhBTye elGi1d" style="font-size: 16px;">î ¸</span>
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1823
1824
1825<p>HUGE "Thank You" shout out to Mike Menninger and Nick DeVito, who just spent over an hour on a consultation with us. &nbsp;I found Mike through his YouTube Channel, where he provides the most comprehensive and UNDERSTANDABLE review of the PSERS Retirement System. &nbsp;Our consultation extended far beyond...</p>
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1838	
1839					<h3><a href="https://maps.app.goo.gl/S9Us8KkCee9ppJiS9" rel="noopener noreferrer" target="_blank">Dina F</a></h3>
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1845			<p>In every aspect, Menninger &amp; Associates excels. &nbsp;They are extremely knowledgeable, personable, professional, highly responsive, trustworthy and genuinely seem to love and care about what they do and the clients they serve. &nbsp;The quality of financial and customer service is the highest I have ever experienced. &nbsp;They...</p>
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1856<p style="text-align: center;"><a class="btn is-pill primary" href="https://www.google.com/maps/place/Menninger+%26+Associates+-+Certified+Financial+Planner/@40.1275114,-75.4183909,17z/data=!4m8!3m7!1s0x89c697e3940179c3:0x94489f6c60517c04!8m2!3d40.1275073!4d-75.415816!9m1!1b1!16s%2Fg%2F11f760t0kj?entry=ttu&g_ep=EgoyMDI1MTAwNi4wIKXMDSoASAFQAw%3D%3D" rel="noopener noreferrer" target="_blank">See All Reviews</a></p>
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1877
1878<p style="text-align: justify;"><strong>In 2021, Menninger &amp; Associates began an initiative to host an annual charity golf outing. The goal of the outing is to team up with local charities and raise money for their respective campaigns. Over the first six years, Menninger &amp; Associates has helped raise over $84,000 for charities. Our firm is a strong advocate for the local community, as they are the very people that keep us in business. If you know a charitable organization that would be interested, please let us know!</strong></p>
1879
1880<p style="text-align: center;"><a class="btn callout-midnight-melancholia-btn" href="https://maaplanning.com/who-we-are/annual-charity-golf-outing"><strong>CHARITY CLASSIC golf OUTING</strong></a></p><strong>
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1892
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1895</h3>
1896
1897<h2 style="color: #000000;"><strong>Financial Planning: Explained Show</strong></h2>
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1906</h4>
1907
1908<p class="accented" id="isPasted"><strong>10.07.26 &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</strong></p>
1909
1910<h3>Financial Planning: Explained: </h3>
1911
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1913</strong>
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1918<h3><img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/XNo3ax_J-uyv/FPE-guest-homepage-9.png" alt="Nick DeVito, CFP" style="display: block; vertical-align: top; margin: 0px auto; text-align: center;">
1919
1920</h3>
1921
1922<p class="accented" id="isPasted"><strong>10.14.26 &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</strong>
1923
1924</p>
1925
1926<h3 id="isPasted">Financial Planning: Explained:&nbsp;</h3>
1927
1928<h3><strong>Current State of the Stock Market</strong></h3></div><strong>
1929</strong>
1930<div class="col-xs-12 col-sm-4"><p class="accented"><img src="https://static.twentyoverten.com/5d76a4e3c31da92ae318a7a6/RDqjmCLR560h/FPE-guest-homepage-9.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center;" alt="Nick DeVito, CFP"><strong>10.21.26</strong></p>
1931
1932<h3>Financial Planning: Explained:&nbsp;</h3>
1933
1934<h3><strong>Fourth Quarter Market Outlook<br></strong></h3></div><strong>
1935        </strong></div>
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2125
2126<span>Powered by Twenty Over Ten</span>
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2132
2133</footer>
2134<div class="pull-out-overlay"></div>
2135</div>
2136
2137
2138<div class="brokercheck is-simple is-bottom-right">
2139<div class="brokercheck--inner">
2140<a href="https://brokercheck.finra.org" class="brokercheck--link" target="_blank">
2141<div class="brokercheck--logo">
2142<img src="https://static.twentyoverten.com/brokercheck-logo-color.png" alt="FINRA BrokerCheck">
2143</div>
2144</a>
2145</div>
2146</div>
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2149
2150<script>
2151window.appUrl = 'https://app.twentyoverten.com';
2152window.siteUrl = 'https://maaplanning.com';
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2155
2156<script src="https://ajax.googleapis.com/ajax/libs/jquery/2.2.4/jquery.min.js"></script>
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2156
2157<script>
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2167
2168<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=
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2170<!-- End Google Tag Manager (noscript) -->
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2174 <!--<a class="btn fixed-btn" href="https://bookma56.timetap.com/#/"  target="_blank">Schedule A Meeting</a>-->
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2176<!--<iframe src='https://www.timetap.com/emb/332502' frameborder='0' width='840' height='500'></iframe>-->
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2240
2241
2242<div id="mobile-phone">
2243	<a href="tel:+16104223773">(610) 422-3773</a>
2244</div>
2245
2246<!-- tot - Global site tag (gtag.js) - Google Analytics -->
vendor: 64 bytes, lines 2246-2247
2246
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2255</html>

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