Who We Serve
Serving The People Who Keep The Country Working
At Megent Financial, we serve people whose financial lives come with moving parts that do not always fit neatly into a standard planning conversation. Many of our clients are part of organized labor and are approaching retirement with pensions, defined contribution plans, healthcare benefits, and important decisions that all need to work together. Others come to us as family decision-makers, union leaders, business owners, or public service professionals who want support from a team that understands how specialized benefits, retirement planning, and long-term financial decisions connect.
The Groups We Serve
Union Members
The Benefits You’ve Worked Years To Earn
You want help making sense of pensions, defined contribution plans, healthcare benefits, and the many decisions that come with retirement planning. Whether retirement is still years away or getting close, we help you understand how your benefits fit together so you can make informed decisions with fewer unknowns.
Union Leadership
Better Retirement Education And Benefit Guidance
We help strengthen the retirement education and benefit support available to the members you represent. With experience in participant education, plan consulting, fund lineup support, and Taft-Hartley and other labor-related retirement structures, our team helps you provide meaningful financial support to the people you serve.
Public Safety & First Responders
Navigate Specialized Benefits With The Support Of A Team
Your retirement decisions are tied to structured benefits, service-based timelines, and group retirement systems. We help you understand how those benefits work alongside your broader financial needs, so you can prepare for the future with support that is practical, informed, and relevant to your career path.
Pre-Retirees & Retirees
Step Into Retirement Knowing What Comes Next
At this stage of life, the challenge is often not whether benefits exist, but how to use them well. Our firm helps clients sort through retirement timing, pension elections, healthcare decisions, rollover considerations, and income coordination so they can better understand what they have and what decisions need to happen next.
Individuals & Families
Make Important Financial Decisions With Your Full Picture
Many financial decisions affect more than one person, especially when retirement, income planning, and long-term family goals are involved. We help individuals and families think through those decisions in a more connected way, so assets, benefits, timing, and family priorities can work together instead of being addressed one piece at a time.
Business Owners
Bring Structure To Business Decisions And Personal Planning
You need financial guidance that balances personal goals with the realities of running and growing a business. We help business owners think through retirement planning, investment decisions, long-term priorities, and how the financial decisions tied to the business can affect life beyond it.
Questions About How We Work? Start Here.
Many of the people we serve are looking for clear answers to very specific questions about retirement, benefits, and planning. These FAQs address some of the most common concerns we hear from prospective clients.
Yes, a pension can provide important income, but it usually does not answer every retirement question on its own. A pension is often one part of a much larger picture that may also include defined contribution assets, healthcare decisions, survivor benefit elections, tax considerations, and long-term income planning. Our firm helps clients understand how those pieces work together, rather than treating the pension as the only factor that matters.
Union members should know what benefits they have, when decisions need to be made, and how those choices affect income, healthcare, and family planning. Retirement brings a series of deadlines, forms, elections, and benefit decisions that can feel overwhelming without guidance. We help clients understand pension timing, defined contribution options, benefit coordination, and the practical next steps involved in moving from working years into retirement. That support can help reduce confusion and make the process feel more manageable.
Union leadership can help members prepare by providing access to clear education, credible guidance, and resources that explain benefits before retirement gets close. Many workers spend decades earning valuable benefits without fully understanding how those benefits will work when retirement arrives. Our firm supports union leadership through participant education, retirement planning communication, and plan-related guidance that helps members feel more informed long before they need to make final decisions.
The best time to start planning is well before retirement, especially if you want more time to understand your options and make thoughtful decisions. We work not only with retirees and near-retirees, but also with workers in their core earning years who want to better understand their benefits and prepare for what is ahead. Starting earlier can help you build familiarity with your pension and defined contribution plan, identify opportunities, and avoid having every major decision land at once when retirement is only months away.
Our firm brings a specialized understanding of organized labor benefits, retirement transitions, and the education clients need to navigate them well. Many advisory firms focus first on investments, but at Megent Financial, we help clients understand pensions, healthcare benefits, plan elections, paperwork, timelines, and the broader coordination required during retirement transitions. That hands-on, benefit-aware approach is especially valuable for union members, labor leaders, and others whose financial lives include structured benefits that generalist firms may not fully understand.