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.

Macallen Capital | Fee-Only Financial Planning & Wealth Management

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

Defined by Values. Driven by Strategy.

Custom Tailored for You.

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

See If You're a Fit

Our Approach

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Comprehensive Wealth Management

We move beyond generic portfolios. Our approach focuses on evidence-based strategies designed to grow and protect your capital while aligning with your specific risk tolerance.
Transitioning from saving to spending requires a different mindset. We build sustainable distribution strategies that aim to ensure you never outlive your assets and can enjoy the lifestyle you’ve worked for.
Maximizing your lifetime benefits is a critical puzzle. We analyze filing strategies and coordinate your various income streams to create an optimal, tax-efficient ‘paycheck’ for your retirement years.
True wealth management includes protecting what you’ve built. We evaluate your current coverage to identify potential gaps, ensuring that unforeseen events don’t derail your financial future.
It’s not just about what you earn, but what you keep. We integrate tax-forward strategies into every part of your plan, from asset location to charitable giving, to help minimize your lifetime tax burden.
Your workplace benefits are often an untapped resource. We help you optimize your retirement selections, stock options & health plans to ensure they are working in harmony with your outside investments.
Planning for the future means protecting your loved ones and ensuring your wishes are carried out exactly as intended. We coordinate with your legal team to minimize estate taxes and administrative hurdles.

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Who We Serve

Red Zone

Whether you are planning for a traditional retirement or looking to exit the workforce early, we focus on the unique ‘red zone’ planning needs for those aged 50 and above.

Delegators

We work best with people who want to transition from ‘managing money’ to ‘living life.’ You’ve done the hard work of saving; now you’re ready for an expert to handle the heavy lifting.

Savers

Our process is designed for individuals who have built a foundation of $500k or more in savings. We optimize for tax efficiency and long-term preservation so your wealth works as hard as you did.