Beyond Financial Planning
Financial planning with a focus on what’s best for you.
At Beyond Financial Planning, we act as fiduciaries for our clients. This means that we are required to hold what is in our clients’ best interests above all else. We specialize in retirees and near-retirees in the federal employee retirement system.
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Michael Bready
Founder & President
Hello and welcome! As founder of Beyond Financial Planning, LLC, I want you to know that you are in good hands. We are a Bethesda-based financial planning company dedicated to serving the needs of individuals 50+ who are nearing or currently enjoying retirement from federal government service. Ours is an entirely transparent approach to wealth management rooted in educating our clients about the whats and whys behind different strategies. We are a fee-based firm, which means that our costs are clear and based entirely on the services we provide. Beyond Financial Planning team members are never incentivized to sell or recommend specific products. Our job is to assess your goals and provide the guidance you need to achieve them. We specialize in all aspects of financial planning, including asset allocation, tax planning and reduction, estate planning, risk management and more.
I started Beyond Financial Planning because I wanted to give individuals and their families an alternative to the cookie cutter services offered by bigger firms more interested in selling products than helping people. After graduating with a financial planning degree from Salisbury University in 2007, I went immediately to work in the financial planning industry. Throughout my career, I’ve been a member of the Million Dollar Round Table and earned several industry awards of excellence. In 2016 with almost a decade of experience under my belt and the desire to offer a more customer-focused option, I became a fully independent financial planner. In 2019, we opened our doors at Beyond Financial Planning. And now, we are as ready as ever to help you build and preserve wealth today for a bright tomorrow.
When I’m not working, my wife, Camila, and I love to hike and visit dog parks with our beagle, Butters. I enjoy golfing (even though I’m far from good) and playing blues and rock on guitar.
Erika Melcher
Client Services
Erika Melcher brings a diverse professional background spanning social services and real estate, which fuels her strong commitment to exceptional client service. She thrives in supportive, client-facing roles and is excited to bring her concierge expertise to the world of financial planning at Beyond Financial Planning, LLC.
Erika’s experience in real estate concierge services has equipped her with strong problem-solving skills, attention to detail, and a proven ability to deliver positive outcomes for both clients and leadership teams. She consistently embraces new responsibilities and challenges, taking pride in creating smooth, personalized experiences for those she supports.
Outside of the office, Erika is actively involved in her community, volunteering in leadership roles with the PTA and Girl Scouts. She enjoys planning trips, spending quality time with her family, and connecting with others. A self-described “people person,” Erika is loyal, approachable, and dedicated to optimizing every client’s experience at Beyond Financial Planning, LLC.
Erika Melcher
Client Services
Erika Melcher brings a diverse professional background spanning social services and real estate, which fuels her strong commitment to exceptional client service. She thrives in supportive, client-facing roles and is excited to bring her concierge expertise to the world of financial planning at Beyond Financial Planning, LLC.
Erika’s experience in real estate concierge services has equipped her with strong problem-solving skills, attention to detail, and a proven ability to deliver positive outcomes for both clients and leadership teams. She consistently embraces new responsibilities and challenges, taking pride in creating smooth, personalized experiences for those she supports.
Outside of the office, Erika is actively involved in her community, volunteering in leadership roles with the PTA and Girl Scouts. She enjoys planning trips, spending quality time with her family, and connecting with others. A self-described “people person,” Erika is loyal, approachable, and dedicated to optimizing every client’s experience at Beyond Financial Planning, LLC.