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.

Services | Financial Planning & Investment Management

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

The 4 Steps of Your Roadmap

01

Initial Consultation

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We create a customized strategy and clean roadmap tailored to your goals and priorities.

We present your custom roadmap. This isn't a generic portfolio; it's a tactical framework built for your specific, timeline & risk tolerance. We'll stress-test the plan together to ensure it not only stands up to todays market volatility, but also the turbulence we've seen during major economic events (Great Financial Crisis, Dot Com Bubble, etc.)

02

03

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Strategy & Plan

We perform a deep audit of your current balance sheet. This allows us to identify "blind spots" that may be hindering your progress. We look at where you are today so we can build a realistic bridge to where you want to be tomorrow.

04

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Sign Agreement

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Discovery & Analysis

We begin with a free consultation to understand your goals, priorities, and financial direction.

Our first meeting is designed to be a casual conversation getting to know each-other. We want to hear your story - your family’s history, your business milestones, and the future you’re working toward. This is where we learn your “why”, and you learn our “how”. By the end, you’ll feel confident in whether we are the right fit for your journey.

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A deeper dive into your financial situation, priorities, and opportunities. We gather everything needed to build your plan.

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Implementation & Ongoing Support

We put your strategy into action and provide ongoing guidance, monitoring, and adjustments over time.

Strategy is only as good as its execution. We handle the heavy lifting of onboarding and asset positioning, acting as your "personal CFO". From there, we transition into a cycle of proactive monitoring and regular check-ins as we understand neither life nor the markets wait for us.

Schedule A Consultation

Our Approach

The Macallen Capital Blueprint

The 4 Steps of Your Roadmap

Initial Consultation

Strategy & Plan

Discovery & Analysis

Implementation & Ongoing Support

Comprehensive wealth management for families and businesses in Arizona and virtually nationwide.