• Welcome to Mainstay Capital Management

    Welcome to Mainstay Capital Management

    We are an independent, fee-only, Registered Investment Advisor. With our staff of Senior Wealth Advisors,
    we can offer advice and comprehensive solutions for all of your financial planning needs.

    SCHEDULE A MEETING

  • 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.

    SCHEDULE A MEETING

  • Mainstay Compass™

    Mainstay Compass™

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

    SCHEDULE A MEETING

  • Investment Management Solutions

    Investment Management Solutions

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

    SCHEDULE A MEETING

  • 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.

    SCHEDULE A MEETING

Ford is offering a Special Incentive Program (SIP) to certain Ford salary employees. What makes the SIP a more generous offer by the company, based on historical packages, is the “Severance Benefit” for years of service. The “Reemployment Assistance” program is also worthwhile to those younger employees who choose to separate but are not yet ready for full retirement.

For those evaluating a buyout offer, there are important factors to consider:

  • Am I prepared financially to retire?
  • Should I consider the pension lump sum?
  • Have I developed a comprehensive Financial Plan?
  • How will the SIP offer impact my retirement decision?
  • Are my investments allocated appropriately for this important life event?
  • What should I do with the assets in my SSIP when I retire?
  • Are there investment products or strategies I should avoid?

Mainstay Capital Management is a fee-only, independent investment advisor that provides portfolio management and retirement planning services as well as counsels hundreds of Ford employees on buyout offers. We can provide a comprehensive Retirement Income Analysis, help evaluate "what-if" scenarios, and assist in making informed decisions concerning any buyout offer.

Call Mainstay Capital Management toll-free at 1‑866‑444‑6246 to discuss your personal situation with a Certified Financial PlannerTM.

Ford Motor Company has announced the transition of a new benefits administrator from ACS to Alight Solutions, along with the unveiling of a new health and retirement benefits website. Implementation will begin on January 2, 2019.

 

We wanted to make you aware of several key points involving the transition and offer our assistance:

 

  • Your action is required to establish new login and security access for your Ford SSIP or TESPHE account. Are you aware of the details specific to your situation? 
  • Importantly, a blackout period during the transition will take place in which you will be unable to access any of your benefit information. Is your Ford 401(k) portfolio allocated appropriately for the duration of this blackout? 
  • FRP (Ford Retirement Plan) accounts will merge into the Ford SSIP. How will this impact your overall portfolio?

We are offering our assistance during this transition.

 

To discuss these changes to the Ford 401(k) plan and how this may impact your current portfolio allocation, do not hesitate to contact us toll-free at 1-866-444-6246.

 

Ford Motor Company is changing the names and/or fees in two of the Vanguard funds available in the Ford Retirement Plan (FRP), Savings and Stock Investment Plan (SSIP), and the Tax-Efficient Savings Plan for Hourly Employees (TESPHE).

These Vanguard funds are not changing their investment objective, strategies, or holdings. However, the new funds are collective trusts, not mutual funds. All balances in and investment elections to the current funds will be transferred to the new funds as of the close of business on September 27, 2016.

To discuss the new investment options or how these changes may impact your investment allocation, contact us toll-free at 1-866-444-6246.

*A resolution has been put in place to eliminate the reallocation error.

Ford plan participants attempting to place trades in the Ford TESPHE (Tax Efficient Savings Plan for Hourly Employees) account since December 30, 2016, may have received an ALERT which prohibits making a fund reallocation.

The ALERT is due to an error which is occurring as a result of a Fidelity fund change within the Plan at the end of the year.

Mainstay has brought this issue to the attention of the Ford Compensation and Benefits Office and is working with them towards a resolution.

Please do not hesitate to contact Mainstay toll-free at 1-866-444-6246 with questions regarding this ALERT or for assistance in reallocating your Ford 401(k) portfolio.

Under the 2015 National Negotiations, Ford Motor Company and the UAW are offering special separation and retirement buyout programs to UAW-represented employees. There are two programs offered, the Special Retirement Incentive (SRI) and the Special Termination of Employment Program (STEP). The decision to accept any separation program requires careful analysis and planning on the part of each employee.

For those evaluating the SRI or STEP, there are important factors to consider:

  • Am I financially ready to go?
  • Have I developed a comprehensive Retirement Income Plan?
  • How will the SRI or STEP impact my retirement plan?
  • Are my investments allocated appropriately for this life event?
  • What should I do with the assets in my TESPHE?

Mainstay Capital Management is a fee-only, independent investment advisor that can provide a comprehensive Retirement Income Analysis, help evaluate "what-if" scenarios, and assist in making informed decisions concerning any buyout offer.

Call Mainstay Capital Management toll-free at 1-866-444-6246 to discuss your personal situation with a Retirement Planning Specialist.

More Articles ...

  1. Ford Retirement Plan Changes – August 2015
  2. Ford HSA Plan Changes – April 2015
  3. Ford Retirement Plan Changes – October 2014
  4. Ford Retirement Plan Changes – October 2014


Mainstay Capital Management

We are an independent, fee-only, Registered Investment Advisor. With our staff of Senior Wealth Advisors,
we can offer advice and comprehensive solutions for all of your financial planning needs.



We Specialize in the Management of Individual 401(k), 457 and 403(b) Accounts for Employees and Retirees
General Motors, Ford, Stellantis (formerly FCA), BorgWarner, Visteon, Rolls-Royce, Allison Transmission, State of Michigan, Among Others

  

  • Americas Top Wealth Advisors 2020
  • Financial Advisor
  • BarronsNEW
  • Forbes Best In State

    *Please See Full Ranking Disclosure

    Recent Media Appearances

    Bloomberg

    David Kudla, Mainstay Capital Management founder and chief executive officer, shares his market and economic outlook

    CNN

    David Kudla, CEO of Mainstay Capital Management, joined Paula Newton on CNN at the New York Stock Exchange to discuss U.S. stocks, the Fed, and the tech sector.

    FOX Business

    Mainstay Capital Management CEO David Kudla joined Liz Claman on Fox Business to discuss the markets and the election.

    CNBC

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

    View All Videos

    Full Ranking Disclosure

    Form ADV Part 2A Brochure 

    ADV Part 3 Form CRS

     

     

     

     

    DISCLOSURE INFORMATION - RANKINGS AND AWARDS

    Barron's Magazine - Top 100 Independent Wealth Advisors

    According to Barron’s: The rankings are based on data provided by individual advisors and their firms. Advisor data is confirmed via regulatory databases, cross‐checks with securities firms and conversations with individual advisors. The formula Barron’s uses to rank advisors is proprietary. It has three major components: assets managed, revenue produced and quality of practice. Investment returns are not a component of the rankings because an advisor’s returns are dictated largely by the risk tolerance of clients. The quality of practice component includes an evaluation of each advisor’s regulatory record. Moreover, neither Mainstay nor any other participating advisors paid a fee to be eligible for the “Top 100 Independent Wealth Advisors." The data is based on one fiscal year (7/1/23 - 6/30/24) and appeared in Barron’s on 9/16/24.

     

    Forbes - America's Top Wealth Advisors 

    Forbes ranking of America’s Top Wealth Advisors was developed by SHOOK Research and is based on in-person, virtual and telephone due diligence meetings and a ranking algorithm that includes: a measure of best practices, client retention, industry experience, review of compliance records, firm nominations; and quantitative criteria, including: assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the right financial advisor and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC. Data provided by SHOOK® Research, LLC. America’s Top Wealth Advisors data as of 6/30/23 and appeared on Forbes online on 4/3/24.

     

    Forbes - Best-In-State Wealth Advisors

    Forbes ranking of Best-in-State Wealth Advisors was developed by SHOOK Research and is based on in-person, virtual, and telephone due diligence meetings to measure best practices; also considered are: client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the right financial advisor and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC. Best-in-State Wealth Advisors data as of 6/30/23 and appeared on Forbes online on 4/3/24.

     

    Financial Planning - Top 150 Fee-Only RIA Firms

    Mainstay Capital Management, LLC (“Mainstay”) was named among the “Top 150 Fee-Only RIA Firms” by Financial Planning (“FP”) in 2023. FP’s 2023 ranking of registered investment advisers was compiled by compliance firm Comply. Mainstay is not affiliated with Financial Planning or Comply. SEC Form ADV filings as of July 2023 were used to list the largest companies using a six-part criteria that included the following: (1) firms must have zero registered representatives of a broker-dealer, (2) at least 50% of the firm's clients must be individuals or high net worth individuals, (3) firms must not list commissions as a compensation arrangement, (4) firms must have more than zero financial planning clients, (5) firms must not list commission-taking businesses in "other business activities", and (6) firms cannot be affiliated under common ownership with commission-taking businesses. Neither FP nor Comply have disclosed how many firms were evaluated to formulate the list. There was no direct compensation provided to be nominated for this award. The “RIA Leaders 2023: Top 150 Fee-Only RIA Firms” appeared on Financial Planning online on 11/22/23.