# Meld Financial

Meld Financial is a Bank / Wealth / Trust based in Birmingham, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Birmingham, United States
- **Region:** North America
- **Address:** Birmingham, AL, United States
- **Founded:** 1986
- **Assets under management:** Undisclosed
- **Website:** meldfinancial.com
- **LinkedIn:** https://www.linkedin.com/company/meld-financial

## Regulatory record

- **CRD number:** 118896
- **SEC file number:** 801-62981
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/118896

## About

Meld Financial was established in Birmingham, Alabama in 1986 by Mark McGarvey. The firm operates as an independent registered investment advisor, providing financial planning, investment management, and employee and executive benefits services to high-net-worth individuals, families, trusts, foundations, and institutions. The firm structures its advisory around a multi-disciplinary team of CERTIFIED FINANCIAL PLANNERS, investment managers, and tax consultants. Its client engagement is anchored by a proprietary planning methodology called the Financial Fingerprint, a detailed mapping of each client's unique income, expenses, savings, and goals. Meld Financial deploys capital through advisory accounts rather than proprietary funds, building portfolios for direct clients. Its service model also covers single-issue analysis for entities, including pension plans and business institutions. Meld Financial is headquartered in Birmingham with no additional offices disclosed. The firm publishes educational content through Meld University, a curated collection of articles, seminars, and videos on retirement planning, tax strategy, and investments. In spring 2023, the firm announced the retirement of Pat Burris, a CFP who spent over 25 years at Meld and 40 years in financial services, signaling a leadership transition within the advisory team. The firm maintains a community presence through seasonal seminars and an annual shredding event. The firm distinguishes its independence by a fiduciary stance that its founder summarized as recommending the same course of action the firm would choose for itself. Meld Financial is not structured as a family office but as an RIA aggregating planning, tax, and investment functions under one roof — a model that serves as a multi-generational financial hub for clients without a proprietary product shelf.

## Sectors

- Financial Services

## People

- Mark McGarvey — Founder

## Questions

### What types of clients does Meld Financial serve?

The firm advises individuals, high-net-worth individuals, families, trusts, foundations, and institutions. Its institutional clientele includes pension plans and business entities.

### How is Meld Financial's advisory team structured?

The team integrates CERTIFIED FINANCIAL PLANNERS, investment managers, and tax consultants. This multi-disciplinary structure is designed to coordinate financial planning, investment management, and employee benefits under a single advisory umbrella.

### Where is Meld Financial located and does it have additional offices?

Meld Financial is headquartered in Birmingham, Alabama. No additional office locations are disclosed.

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Last updated: 2026-06-03T20:00:00.000Z

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