What is a fee-only financial advisor?

A fee-only financial advisor is compensated solely by the client — not through commissions, product sales, or referral fees. At Macallen Capital, we are a fee-only registered investment adviser, which means our advice is never influenced by outside incentives. We are paid only by you, and our recommendations are made exclusively in your best interest.

Who does Macallen Capital work with?

Macallen Capital works primarily with families and small business owners who have built a foundation of $500,000 or more in savings. We specialize in the 'red zone' — clients aged 50 and above who are planning for retirement or transitioning out of the workforce — as well as delegators who are ready to hand off the financial complexity to an expert.

Is Macallen Capital a fiduciary?

Yes. As a registered investment adviser and fee-only firm, Macallen Capital operates as a fiduciary at all times. That means we are legally and ethically obligated to act in your best interest — not ours.

What services does Macallen Capital offer?

Macallen Capital offers comprehensive wealth management including investment planning, retirement planning, Social Security and income planning, tax planning, risk management and insurance review, employee benefits review, and estate and legacy planning. We coordinate all of these disciplines into a single, integrated financial plan.

How do I get started with Macallen Capital?

Getting started begins with an initial consultation — a brief conversation to understand your goals and determine if we're the right fit. From there, we move into discovery and analysis, build a customized strategy, and implement your plan with ongoing support. You can start by visiting macallencapital.com/start.

Does Macallen Capital work with clients outside of Phoenix?

Yes. While Macallen Capital is headquartered in Phoenix, Arizona, we work with clients nationwide. As a registered investment adviser, we are able to serve clients across the United States.

What is a beneficiary designation and why does it matter?

A beneficiary designation is the form attached to your IRA, 401(k), or life insurance policy that dictates who receives those assets when you pass away. Unlike a will or trust, beneficiary designations override your estate planning documents entirely — the form wins, regardless of what your will says. Keeping these designations current and coordinated with your overall estate plan is one of the most important — and most overlooked — steps in financial planning.

What is the HSA shoebox strategy?

The HSA shoebox strategy involves paying current medical expenses out of pocket, saving the receipts, and leaving your HSA funds invested to grow tax-free. Because the IRS places no time limit on when you can reimburse yourself for a qualified medical expense (per IRS Publication 969), you can pull those funds out years or decades later — tax-free — while the original balance continues to compound. It turns your HSA into a long-term, tax-free investment vehicle rather than a simple spending account.

Defined by Values. Driven by Strategy.

Name: Macallen Capital
Address: 2325 E Camelback Rd. #400, Phoenix, AZ, 85016, US
Telephone: (602) 536-7828
Price range: Fee-Only

Custom Tailored for You.

We help families & small business owners seeking financial clarity for the moments that matter most.

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Our Approach

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Retire without wondering whose interest comes first

We don’t sell products. We get paid to give you advice that’s right for you.

Fee-only

You’ll never wonder if a recommendation benefits you or us.

Boutique

A small, intentional practice. A direct line to your advisor, not a call center.

Customizable

A plan built for you, not pulled from a template.

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Why we started this

We’ve seen what happens when no one picks up the phone. That’s why you always can.

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Comprehensive Wealth Management

Your portfolio should match your risk tolerance, not someone else’s model. We build evidence based strategies to grow and protect what you have.
Spending down savings takes a different mindset than building them. Your distribution strategy is built to outlast you and support the life you worked for.
Filing at the right time can mean tens of thousands of dollar over your lifetime. We coordinate your income streams into one tax-efficient ‘paycheck’ for retirement.
What you’ve built deserves real protection. We review your coverage and flag the gaps before life finds them first.
What you keep matters as much as what you earn. Tax-forward strategy runs through your whole plan, from asset location to charitable giving.
Your workplace benefits are probably doing less than they could. We fold your retirement selections, stock options, and health plan into the rest of your strategy.
Your wishes should be carried out exactly as you intended. Our team works directly with your attorney to review strategies and lighten the load on your family.

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Who We Serve

Delegators

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You’ve done the hard work of saving. Now you’re ready to hand the heavy lifting to someone else and get back to living your life.

Red Zone

Whether you are planning a traditional retirement or exiting the workforce early, the years right around 50 need their own kind of planning. We call this the red zone, and it’s exactly where we focus.

Savers

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You’ve built a foundation of $500k or more in savings. Now the work shifts to keeping it, tax-efficient and protected, working as hard as you did to earn it.

The Macallen Approach

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A proven process. Built around you. Focused on your future.

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Weekly Insights

Required Minimum Distributions: What They Are and When They Start

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Medicare 101 for people turning 65

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Common Questions

Yes. As a Certified Financial Planner® professional, I am legally and ethically obligated to act in your best interest at all times. That means I prioritize your goals over any product or incentive that could benefit me or the firm.

Never. Macallen Capital is a fee-only firm. We do not sell annuities, life insurance, front-loaded mutual funds, or other commission-based products. We view these as a conflict of interest.

Yes, Macallen Capital is a fully virtual practice allowing us to meet anywhere in the U.S. at a time that works for you. If you’re local to Phoenix, I’d love to grab lunch, coffee or meet at our coworking space!

All client assets are held at Altruist, a leading institutional custodian. For compliance and security reasons, we never hold or custody client funds directly - this ensures your money is safe and separate from our firm.

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Defined by Values. Driven by Strategy.

Custom Tailored for You.