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  • Welcome to Mainstay Capital Management

    Welcome to Mainstay Capital Management

    We are an independent, fee-only, Registered Investment Advisor. As a fiduciary to our clients,
    we offer truly objective investment advice with only your best interests in mind.

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  • When Your Investments Demand  Professional Management

    When Your Investments Demand Professional Management

    Mainstay Capital Management can bring you the peace of mind that comes with knowing you have planned prudently for your future.

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  • Mainstay Compass™

    Mainstay Compass™

    Together, we can create a plan to get you on the right path towards and through retirement.

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  • Investment Management Solutions

    Investment Management Solutions

    Our team will manage your investment portfolio consistent with your personal retirement plan.

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  • Individual 401(k), 457, and 403(b)  Account Management

    Individual 401(k), 457, and 403(b) Account Management

    We specialize in the management of individual 401(k), 457, and 403(b) accounts for employees and retirees.

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  • Client Service Built on Trust

    Client Service Built on Trust

    With our staff of Certified Financial PlannersTM and Chartered Retirement Planning CounselorsSM,
    we can offer advice and comprehensive solutions for all of your financial planning needs.

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Fiat Chrysler Automobiles (FCA) has announced a change that will impact the Self-Direct Brokerage (SDB) account within the FCA US LLC Salaried Employees’ Savings Plan and the FCA US LLC UAW Savings Plan (“the Plans”).  

Effective June 7, 2017, the BIF Money Fund will no longer be available as a cash sweep investment option in the Plans. If you do nothing, the assets currently held in the exiting fund will automatically transfer to a target-date fund in the Plans core investment menu. There will also be a blackout period associated with the removal of this fund.

To discuss this important change to the FCA 401(k) plans and how to allocate your portfolio in light of the reduced fund line-up, do not hesitate to contact Mainstay toll-free at 1-866-444-6246

Fiat Chrysler Automobiles (FCA) has announced it will offer approximately 7,300 salaried employees that have a vested pension with Chrysler, are separated, and have not started receiving their pension, the option to receive a voluntary lump sum pension benefit payment. This group will be offered one of three options.

  1. Receive the pension in a Lump Sum
  2. Begin receiving monthly pension payment as early as December 2016, or
  3. Wait to receive the monthly pension payment as specified under the terms of the plan

FCA retirees and former employees impacted by this offer will receive an Election Kit, Decision Guide, and Tip Sheet by mail in the next few weeks. However, there are several situations that would result in a person being excluded from this offer.

By taking advantage of the lump sum pension payment option, FCA retirees and former employees may reduce many potential pension risks including longevity risk due to inflation, tax risk, and mortality risk. Most importantly it will completely eliminate "PBGC risk" - the risk that monthly pension payments are someday reduced by the Pension Benefit Guaranty Corporation. However, whether to take a lump sum payment or not is based on one’s personal situation and these factors deserve individual attention and should be reviewed with a qualified professional.

If you would like assistance in navigating this very important retirement decision, contact one of our Certified Financial PlannersTM toll-free at 1-866-444-6246.

Effective January 1, 2016 the FCA US LLC Hourly Employees’ Deferred Pay Plan (the HDPP) will be renamed to the FCA US LLC UAW Savings Plan (the “UAW Savings Plan”) in recognition that it now includes all UAW members. Unlike the HDPP, the UAW Savings Plan has an added feature that allows contributions on an after-tax basis. The UAW Savings Plan also has additional enhancements related to hardship withdrawals, bonus deferrals into the Roth, loan provisions, and company defined contributions.

If you have questions about these changes or how they will impact your retirement plan, contact Mainstay Capital Management toll-free at 1‑866‑444‑6246.

FCA announced late in 2015 that Employee Managed Retirement Plan (EMRP) balances will be transferring to the FCA US LLC Salaried Employees' Savings Plan (SESP). This transfer will take place after 5:00 PM ET on June 15, 2016. The current holdings in the EMRP will transfer to the same investment selection in the SESP. However, there are trading restrictions you need to be mindful of if you are intending to make changes to your EMRP allocation around the time of the transfer.

Although the funds will now be in the SESP, you will continue to have the ability to view your EMRP balance as a separate portion of your 401(k) account.

If you have questions about this change or how it may impact your retirement plan or current investment allocation, contact Mainstay Capital Management toll-free at 1-866-444-6246.

Effective December 31, 2015 FCA will discontinue contributions to the Employee Managed Retirement Plan (EMRP). In lieu of these contributions, beginning January 1, 2016 FCA will make an automatic contribution to the 401(k) and set up a company match.The automatic contribution will be 3% of the annual base salary. The match will be $.50 on each dollar contributed, up to 10% of your base pay, for a maximum 5% company match.

To maximize the company match, FCA employees will need to contribute 10% of their base salary into the 401(k). If you have questions about these changes or how they will impact your retirement plan, contact Mainstay Capital Management toll-free at 1 866 444 6246.

  • Americas Top Wealth Advisors 2020
  • Financial Advisor
  • 2018 Top 100 Barron's
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  • Financial Planning
    • Americas Top Wealth Advisors 2020
    • Financial Advisor
    • 2018 Top 100 Barron's
    • Financial Times
    • Financial Planning

      Recent Media Appearances

      Bloomberg

      David Kudla, Mainstay Capital Management founder and chief executive officer, discusses Fed policy and how tariffs could change market outlook.

      FOX Business

      Mainstay Capital Management CEO David Kudla joined Maria Bartiromo on Fox Business TV to discuss the economy and where stocks are headed next.

      CNBC

      CNBC’s Steve Liesman interviews Federal Reserve President Charles Evans live from the ENGAGE Undergraduate Investment Conference.