FINANCIAL PLANNING THAT PUTS LIFE FIRST
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At Make The Memory (MTM) Financial Planning, we help you gain clarity from uncertainty, and feel confident using your money to live fully.
We believe it’s not just about saving for someday. It’s about making meaningful choices today, doing the things you love with the people you love, all while building a secure future.
You deserve a personalized financial plan from a fiduciary financial advisor you can trust. Our approach helps you enjoy life now while preparing for whatʼs ahead.
OUR SERVICES
Financial planning built for the realities of living and working outside the U.S.
COMPREHENSIVE FINANCIAL PLANNING
Personalized financial plans that fit your goals, whether you’re preparing to move or already living abroad.
EXPAT RETIREMENT PLANNING
No matter when or where you plan to retire abroad, we build a realistic roadmap to get you there.
CROSS-BORDER INVESTMENT MANAGEMENT
Investment strategies designed to keep your wealth growing as you transition to life abroad.
RELOCATION & TRANSITION SUPPORT
Get a smooth start to life abroad with relocation planning backed by trusted local professional networks.
INTERNATIONAL TAX STRATEGIES
Translating complex foreign tax systems into a clear plan for Americans living and working outside the U.S.
FEDERAL & MILITARY OCONUS PLANNING
Helping your family prepare for overseas assignments and make the most of your federal benefits.
HOW IT WORKS
Our 3-Step Financial Planning Process
1. START WITH
A CONVERSATION
We listen to your goals, values, and questions to understand what matters most. A casual conversation, no jargon, no judgement.
2. BUILD YOUR PERSONALIZED PLAN
We design a financial plan that reflects your priorities, whether thatʼs cash flow, investing, retirement planning, tax considerations, paying off debt, or just feeling more in control.
3. LIVE YOUR LIFE WITH CONFIDENCE
As life changes (career moves, family milestones, even preparing for life abroad), we update your plan so you’re always ready for what’s next.
WHO WE HELP
We work with Americans navigating life across borders:
EXPATS IN SPAIN, GERMANY & THE UAE
We specialize in advising U.S. expats in Spain, Germany, and the UAE whose financial lives stretch across countries. Our expertise lies in cross-border financial planning and investment strategies that consider tax treaties, FEIE and foreign tax credits, and U.S. reporting requirements like FBAR and FATCA.
MEET YOUR PLANNERS
At MTM Planning, you get two experienced CERTIFIED FINANCIAL PLANNERS® with over 25 years of combined expertise and a shared commitment to your success.
Matthew and Jordan are experts in helping Americans navigate international moves, government transitions overseas, cross-border financial planning, and retirement abroad. Together, they have guided clients from their first overseas assignment through retirement and every stage in between.
Together, we offer collaborative guidance that adapts as your life changes. You’ll always have someone in your corner, ready to support you through every season.
MEMBER OF
WHY CHOOSE MTM FINANCIAL PLANNING
TWO CFP®S, ONE SHARED MISSION
Deeper expertise and collaboration.
FLAT-FEE FIDUCIARY FINANCIAL PLANNING
Weʼre paid only by you.
OVER 25 YEARS
OF COMBINED EXPERIENCE SERVING DIVERSE CLIENTS
GROUNDED IN RESEARCH, ROOTED IN REAL LIFE
PLANNING FOR LIFE CHANGES
Life moves fast. Your plan has to keep up.
Whether you’re retiring, launching a business, leaving the federal workforce, or hoping to make the most of your income, we turn ‘what if’ into ‘what’s next.’
Your financial plan will evolve with you so you’re ready for any stage of life.
