Financial Advisor in
Cincinnati, OH

Q: What Does the AIF® Designation Mean?

AIF® stands for Accredited Investment Fiduciary®, a designation focused on fiduciary standards in the investment process. Bob Mueller, Woody Mueller, and Matthew Hood hold the AIF® designation. That fiduciary standard applies to our fee-based investment advisory services, where our recommendations are made in your best interest.

Retirement, investment, and Roth conversion planning for individuals, families, and business owners in Cincinnati and the Ohio communities east of the city, with meetings in person or by phone and video.

Request a Cincinnati Consultation

AIF^® Matthew Hood holds the Accredited Investment Fiduciary^® designation
Independent Mueller Financial, Inc. is independent of Parkland Securities, LLC and SPC
FINRA/SIPC Securities offered through Parkland Securities, LLC, Member FINRA/SIPC
Cincinnati, OH Serving Greater Cincinnati and the east side Ohio suburbs

Financial Planning for Cincinnati Families and Business Owners

Mueller Financial, Inc. works with individuals, families, and business owners on both sides of the Ohio River. For clients in Cincinnati and the Ohio suburbs, that means one advisory team that can look at your retirement income, investments, Roth conversion opportunities, and estate goals together, rather than one account at a time.

Our office sits on Houston Road in Florence, Kentucky, a short drive across the river from downtown Cincinnati. Many of our Ohio clients meet with us in person, and others prefer to meet by phone or video. Either way, the process starts the same: we take time to understand who you are and what you are working toward before we recommend anything, then we put the plan in writing and keep it current through regular reviews.

If you live on the Kentucky side, our financial advisor in Northern Kentucky page covers the communities we serve there.

Why Coordinated Planning Matters in Greater Cincinnati

Greater Cincinnati is one region that spans two states, and many households earn, save, and retire on different sides of the river. A few rules shape the decisions our Ohio clients make most often.

Living and Working Across the River

Kentucky and Ohio have a reciprocal agreement that covers wages and salaries, so those earnings are generally taxed by your state of residence. The agreement does not extend to local taxes or to other types of income (Kentucky Department of Revenue, Form 740-NP-R). Your plan should account for where each dollar is earned and taxed.

Required Minimum Distributions

Under current IRS rules, required minimum distributions from most traditional IRAs and workplace plans generally begin at age 73 (Internal Revenue Service). Planning withdrawals and Roth conversions in the years before that point can help you manage how much taxable income arrives at once.

Social Security Timing

Full retirement age is 67 for anyone born in 1960 or later, and claiming before then permanently reduces the monthly benefit (Social Security Administration). When you claim affects your income, your spouse's benefits, and the rest of your retirement plan.

Our Financial Planning Services in Cincinnati

Each service below has its own page with more detail. For most Ohio clients, these pieces come together in one written plan that we review with you over time.

Retirement Planning

Turn savings into a retirement income plan that coordinates Social Security, pensions, and account withdrawals.

Explore retirement planning

Investment Management

Portfolios built around your goals, time horizon, and tolerance for risk, with regular reviews as your needs change.

Explore investment management

Roth Conversions

Evaluate whether converting part of a traditional IRA to a Roth IRA fits your tax picture, and when to do it.

Explore Roth conversions

401(k) Rollovers

Review your options for a former employer's plan, including leaving it in place, rolling it to an IRA, or moving it to a new plan.

Explore 401(k) rollovers

Tax Planning in Cincinnati

Plan the timing of income, withdrawals, and conversions with taxes in mind, working alongside your tax professional.

Explore tax planning

Holistic Financial Planning

Bring retirement, investments, insurance, and estate goals into one coordinated view so each decision supports the others.

Explore holistic planning

Why Cincinnati Families Work with Us

Choosing an advisor comes down to trust. Our Ohio clients work with a small, independent team that knows them by name, puts the plan in writing, and stays in touch as life changes.

We have served families on both sides of the river for 36 years, and we meet wherever it is most convenient for you: at our Florence office or by phone and video.

An Accredited Investment Fiduciary^® Advisor
When we provide fee-based investment advisory services, our recommendations are made in your best interest.
An Independent Firm
Mueller Financial, Inc. is independent of Parkland Securities, LLC and Sigma Planning Corporation.
One Clear, Written Plan
Retirement income, investments, Roth conversions, and estate goals coordinated in a single plan you can follow.
Ongoing Reviews
Consistent meetings to fine tune your plan as your income, family, and goals change over time.

Matthew Hood, AIF^®

Financial Advisor

Matthew starts by understanding who each client is and what they are working toward, then maintains the plan through consistent meetings to fine-tune it as time passes. Ohio clients can reach him directly at 513-732-1461.

Areas We Serve in Ohio

From our Florence office, we work with clients in Cincinnati and the communities east of the city, meeting in person or by phone and video.

Batavia
Eastgate
Anderson
New Richmond
Milford
Loveland
Bethel
Williamsburg
Georgetown
Mt. Orab

On the Kentucky side of the river? See our Northern Kentucky financial advisor page.

Start a Conversation with a Cincinnati Financial Advisor

Whether you are a few years from retirement, deciding what to do with a former employer's 401(k), or looking for one team to coordinate your plan across Ohio and Kentucky, we would welcome the chance to learn about your goals. The first conversation is a chance to see whether we are the right fit.

Request a Consultation

Call the office: (859) 918-6750
Ohio clients, reach Matthew Hood: 513-732-1461
6900 Houston Road, Suite 31, Building 700, Florence, KY 41042

Frequently Asked Questions

Do You Work with Clients Who Live in Ohio?

Yes. Our office is in Florence, Kentucky, and we serve clients on both sides of the Ohio River, including Cincinnati and Ohio communities such as Anderson, Milford, Loveland, and Batavia. Registration requirements vary by state, and we will confirm that we are able to serve your state during the first conversation.

Do I Have to Drive to Kentucky to Meet with an Advisor?

No. Many Ohio clients visit our office at 6900 Houston Road, Suite 31, Building 700, in Florence, Kentucky, a short drive across the river from downtown Cincinnati. If that is not convenient, we are glad to meet by phone or video instead.

I Live in Ohio and Work in Kentucky. How Does That Affect My Planning?

Kentucky and Ohio have a reciprocal agreement covering wages and salaries, so those earnings are generally taxed by your state of residence, according to the Kentucky Department of Revenue. The agreement does not cover local taxes or other types of income, such as investment or business income. We factor where you live and work into your plan and coordinate with your tax professional on filing questions.

What Services Do You Offer Clients in Cincinnati?

Our Cincinnati clients work with us on retirement planning, investment management, Roth conversions, 401(k) rollovers, tax planning, and holistic financial planning. Most clients bring several of these together in one written plan that we review with them over time.

What Does the AIF^® Designation Mean?

AIF^® stands for Accredited Investment Fiduciary^®, a designation focused on fiduciary standards in the investment process. Bob Mueller, Woody Mueller, and Matthew Hood hold the AIF^® designation. That fiduciary standard applies to our fee-based investment advisory services, where our recommendations are made in your best interest.

How Do I Get Started?

The first step is to request a consultation through our contact page, or call the office at (859) 918-6750. Ohio clients can also reach Matthew Hood directly at 513-732-1461. We will learn about your goals and talk through whether we are a good fit.