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Frequently Asked Questions

FAQ

MPACT Financial provides a range of financial services including financial planning, investment management, retirement planning, tax optimization, and wealth management. We tailor our services to meet the unique needs of individuals, families, and businesses.
Our retirement planning services are designed to ensure you can retire comfortably. We help you determine how much you need to save, choose the right investment vehicles, manage risk, and optimize your tax strategies to maximize your retirement savings.
We work with a variety of clients including individuals, families, business owners, and high-net-worth clients. Whether you need help with personal finance or business planning, we offer customized solutions for all stages of life and financial goals.

The process begins with a complimentary consultation to understand your financial goals and current situation. From there, we create a tailored financial plan, offer ongoing advice, and adjust strategies as your circumstances change over time.

Our fees are transparent and based on the services we provide. We typically charge a flat fee for financial planning or a percentage-based fee for asset management services. We will discuss all fees upfront during your initial consultation.

Yes! We provide tax planning strategies that focus on minimizing tax liabilities and maximizing deductions. Our team works closely with clients to integrate tax-efficient investment strategies and other planning techniques into their overall financial plan.

MPACT Financial is dedicated to providing personalized and comprehensive financial services. If you’re looking for a long-term financial partner who will take the time to understand your goals and help you navigate complex financial decisions, we may be a great fit. We offer a free initial consultation to help you decide.

Yes, MPACT Financial is a fiduciary, meaning we are legally obligated to act in your best interest at all times. Our commitment is to offer advice and solutions that are aligned with your financial goals, not influenced by commissions or other conflicts of interest.
MPACT Financial takes a more holistic and comprehensive approach to financial planning, integrating investment management, tax planning, retirement strategies, and estate planning into a cohesive strategy. Our advisors also take a proactive role in helping clients achieve their financial goals, providing ongoing guidance and adjustments as needed.

MPACT Financial Group engages existing and prospective clients with a wealth management approach. As trusted advisors, our role is to help protect, preserve, accumulate, and transfer wealth in the most cost-effective, tax-efficient manner possible. We deliver this in a team approach where each financial professional has an area of specialization. Wealth management at MPACT involves our team internally and includes our client’s external specialists, such as tax and legal professionals.

While everyone’s situation is unique, most of our asset management programs or services are structured with an “asset-based fee” which is a percentage of the dollar value of the investments managed.
Registered financial advisors are held to the standards of conduct outlined in Reg BI (Regulation Best Interest). The general obligation states that advisors must act in the best interest of a retail customer without putting their interests ahead of the customer’s. In addition, because several partners at MPACT Financial Group hold the Certified Financial Planner™ designation, we are held to a fiduciary standard of conduct anytime we are providing financial advice. For more information, please see CFP® Code of Ethics and Standards of Conduct.
MPACT Financial Group primarily works with individuals and closely-held businesses. New clients typically engage us through a referral from a trusted relationship. They value expertise, advice, a lasting partnership, and are committed to creating a plan to secure a future not simply for living, but thriving.

12222 Merit Drive, Suite 1180
Dallas, TX 75251

T | 972.726.5900
F | 972.239.8704

TeamMPACT@mpactfinancial.com

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This communication strictly intended for individuals residing in the states of AZ, CA, CO, CT, DE, FL, GA, ID, IL, IN, KS, LA, MA, MI, MD, MN, MO, MS, NC, NM, NV, NY, OH, OK, OR, PA, SC, TX, UT, WA. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services. Investments are not FDIC or NCUA insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Securities and advisory services offered through Commonwealth Financial Network, Member FINRA & SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency or MPACT Financial & Insurance Services.

Kim Tillinghast

Principal, Partner

Kim Tillinghast began her career in the banking industry in 1985. She graduated with a degree in Finance from West Texas State University in 1990 and has continued her education by earning her Series 24 General Securities Principal Exam and Certified Plan Fiduciary Advisor (CPFA™). Shortly thereafter she started her brokerage career at a traditional wirehouse in downtown Los Angeles, California in 1991. After relocating to Orange County, Kim became an independent financial advisor in May of 1993. She brings over 37 years in the banking and finance industry with experience ranging from designing, developing, employing and maintaining complex investment strategies, Pension Plans, Employee Stock Option Plans, Corporate Finance, Estate Planning and Transition. Outside of her career, she served as Co-Chair of the Dallas County Susan G. Komen Race for the Cure 2013 and 2014 and currently serves on the Board of the Tillinghast Society, Inc. With a deep love for animals, she continues to volunteer for multiple emergency animal response teams including Red Rover, HSUS, UAN, ASPCA and volunteers weekly at the Irving Animal Shelter. Kim also loves worldwide adventure travel and has many amazing experiences visiting almost half of the world’s countries and all seven continents, twice.

Karthik Muraliraj

CFP®, ChFC®, CLU®, RMA®, Partner

Karthik Muraliraj was raised in Fort Worth, Texas, and developed an interest in investing and economics at a young age. After graduating from the University of Texas at Austin with a Bachelor of Arts in Economics and a minor in Business, he started his career as a financial professional in 2008. Throughout his career, Karthik has continued to educate himself by gaining multiple designations. Since moving to Dallas, he has been an active member in the community—volunteering with organizations such as the network of Indian Professionals, Dallas Autumn Ball and Reading Partners. Karthik is an avid sports fan and enjoys supporting his alma mater as a proud member of the Texas Exes Dallas Chapter. In his free time, Karthik enjoys cooking, travel, fitness and spending time with this wife, son, dog, and cat.

Crystal Arredondo

MBA, CDFA®, CPFA™, Partner

Crystal Arredondo was born and raised in Germany. She moved to Texas following her parents’ decision to retire after serving an overseas career in the Armed Forces. Seeing firsthand the difficult transition to civilian life after retirement, Crystal obtained her MBA in Finance at the University of North Texas and began her career as a financial advisor. In 2009, she completed the Retirement Planning Specialist Program at the Wharton School of Business, University of Pennsylvania. In 2018, she earned her designation of Certified Divorce Financial Analyst® (CDFA®). In 2022, she earned the additional designation as a Certified Plan Fiduciary Advisor (CPFA™). As the daughter of an immigrant mother, she especially enjoys helping women and business owners make decisions that affect their financial independence. She served as the 2015-16 Chair for the National Association of Women Business Owners (NAWBO) and 2016-17 Chair for the NAWBO Institute of Entrepreneurial Development.

Philip Strunk

CFP®, CPA, Partner

Philip Strunk is a native of Houston, TX. Philip earned his Bachelor of Business Administration and Masters in Professional Accounting from the University of Texas at Austin’s McCombs School of Business. He earned his designation as Certified Public Accountant (CPA) in 2004 and CERTIFIED FINANCIAL PLANNER (TM) certification in 2010. Having started his career with Deloitte & Touche, LLP in 2005, Philip spent a year and a half in Deloitte’s Audit and Assurance Services group and provided a variety of financial services for a number of Fortune 500 companies. He decided in late 2006 that his talent and passion for investments were best suited for working with smaller groups and individuals. After obtaining the required securities registrations and insurance licenses, Philip became a financial advisor. The impact was plainly visible and more fulfilling. Philip serves as the Investment Director for MPACT.

John C. Farris

CAP®, CFS®, Partner

John C. Farris is a founding partner and has more than forty years in both public and private business serving in a variety of management and leadership capacities. John completed the Retirement Planning Specialist Program at the Wharton School of Business at the University of Pennsylvania earning the Retirement Planning Specialist designation. John and his family have a history of philanthropic giving through numerous non-profit organizations. John recently completed his designation as a Chartered Advisor in Philanthropy® (CAP®). He is also a member of The International Association of Advisors in Philanthropy. His primary goal is to help people give intelligently with love and thereby experience the true joy of helping others. John lives in Park Cities and has served on the Public Works Advisory Council, as finance director of the BSA West Park District, the BSA Troop 82 Executive Board, and as a BSA Assistant Scoutmaster for Troop 82, Dallas, Texas.