We recommend Melissa Moss for her exceptional expertise in retirement planning and financial management. Melissa possesses a profound understanding of the complexities involved in these fields, and her vast knowledge has proven invaluable to us. Throughout our interactions, Melissa has consistently provided insightful advice tailored to our specific needs, helping us navigate the intricacies of retirement planning with confidence. Her ability to break down complex financial concepts into easily understandable terms has made the process not only accessible but also engaging. Melissa's commitment to her clients is evident in her thoroughness and attention to detail. She stays updated with the latest industry trends and regulations, ensuring that the guidance she offers is both relevant and effective. Her proactive approach and willingness to go the extra mile have equipped us with a wealth of information that empowers us to make informed decisions about our financial future. In summary, we endorse Melissa Moss for her unparalleled knowledge and dedication in the retirement planning and financial management industry. She is a true asset to anyone seeking sound financial guidance.

—Daniel Miller, Engineer

This statement is a testimonial by a client of the financial professional as of 10/24/2024. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

Melissa, thank you so much for taking the time to speak to me about Medicare and my upcoming deadlines. And thank you for setting up my appointment in January. It's so comforting to have you in our lives, guiding us through all these complicated issues and being such a resource for us. Thank you for caring! Bethany may have communicated this to you already, but she is very thankful for all your assistance with investments, student loans, and financial planning, and that is a great comfort to me, as well. She really likes you as a person, as do I, and is very comfortable with you. So it's all pretty great! You have really been a God-send to both of us!

—Denise Morse

This statement is a testimonial by a client of the financial professional as of 11/26/2025. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

Melissa is very knowledgeable, hard-working, and a pleasure to partner with. She's constantly available to answer my questions and makes me feel at ease with any financial issues I have. I trust her to make the best decisions, and I'm thankful I have her as an ally for my family's financial well-being. She's great.

—Dave Wilkerson, Sales Professional

This statement is a testimonial by a client of the financial professional as of 11/28/2025. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

I was so nervous and unsure of where to start or what questions to ask, but I had an idea. Melissa is so kind, she took her time to explain what really mattered to me. She answered all my questions. We came up with a plan that matched my ideas and the direction I want to go in. I couldn't be more comfortable and confident in our choices and my financial future.

—Lia Sanchez, Verizon

This statement is a testimonial by a client of the financial professional as of 11/26/2025. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

My husband and I are retired and so lucky to have found Melissa Moss to help us manage our retirement funds. At this stage of our lives, we told Melissa we needed someone who could guide us toward ways to grow our funds using a cautious approach. Understanding our goals, Melissa has done amazing research for us and has brought us ways to grow our funds without taking unnecessary risks. She stays on top of new opportunities and brings them to us, with pros and cons, so we can decide whether to move forward. Fortunately for us, we are happy with our choice to work with Melissa. She is a businesswoman of integrity, and she takes her responsibilities very seriously; for that, we are grateful. Furthermore, it is always pleasant to talk with her, and she has become a very important part of our lives.

— Lynn Harwell, Retired

This statement is a testimonial by a client of the financial professional as of 01/07/2026. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.