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Retire Once.

Talk with Melissa

I'm Melissa Moss, a CFP® professional specializing in tax-smart retirement income planning. For the past seven years, I've worked with retirees and near-retirees to build plans that answer one question with confidence: will your money last as long as you do? I'm also a second-generation CFP® professional, continuing a practice with roots in this community that go back decades further than my own seven years in the chair.

My focus is narrow on purpose. I help people turn a lifetime of saving into an income plan that's tax-efficient, coordinated with Social Security and Medicare, and built to hold up for decades, not just the next five years. That work is what I call The Retire Once Plan.

What I specialize in

●      Tax-efficient retirement income planning
●      Social Security and Medicare coordination
●      Portfolio construction built around when you'll actually spend the money, not a generic risk score
●      A fiduciary standard for my advisory clients

Taxes are often the single biggest controllable cost in retirement, which is why I'm currently deepening my expertise through additional coursework in advanced tax planning strategy.

A woman with shoulder-length brown hair, wearing a red sleeveless top with floral embroidery, sitting at a white table outdoors. She is smiling and posing with a white frosted birthday cake with green writing, a bouquet of sunflowers, and a background with a wooden fence and colorful flowers.

Melissa Moss, CFP®

Before becoming a financial planner, I spent 12 years in healthcare advocacy with StopAfib.org, including 10 years living in Washington, DC, at the center of that work. It's where I learned that people make their best decisions when complexity gets translated into plain language, and when cost is never the reason someone doesn't get help they need. That's the same standard I hold myself to today.

Outside the office, I live in Cherokee County with my Golden Retriever, Riley, catch shows at the Woodstock Arts Theater, take improv classes, and split whatever's left between the local CrossFit gym and Braves games.

The Moss Family taking a selfie at the Mall of America in Minneapolis, Minnesota, decorated with Christmas trees and nutcracker statues.
Matt Moss and his baby daughter Stevie are sharing a moment where Matt is helping the baby hold an acoustic guitar. Matt is focused on the guitar while baby Stevie is also reaching for it in a cozy, home setting.
Auntie M (Melissa) and Mom, Callie, with toddler Stevie, are taking a selfie inside the Crayola Experience at The Mall of America in Minneapolis, Minnesota. All are smiling and enjoying the outing.
Auntie M (Melissa) holding her new baby nephew, Emerson, in a living room with a stone fireplace and wooden furniture, smiling at the camera. Blaine, Minnesota.
A smiling Riley, the Golden Retriever dog, wearing an orange bandana, sitting outdoors on grass with trees and a blurred background in Alpharetta, Georgia.
A smiling Melissa with earrings and a saffron sweater, taking a selfie with her niece Stevie in a yellow shirt, who is eating a snack. In the background, Pa G is sitting and looking away in a cozy home setting.
Melissa is crouching on the grass, smiling, with Riley, the golden retriever, wearing an orange bandana. There is a basket of apples and a chalkboard on the ground nearby, with trees and a wooden fence in the background.
Melissa with her gym friends, smiling and posing together in a gym, with a CrossFit Garage sign on the wall behind them.
Riley, the golden retriever, is standing on green grass under a tree in a backyard, wearing an orange bandana around its neck. He's looking for a ball that is out of sight of the camera.
A woman and a young girl building a snowman in a snowy neighborhood at dusk. The woman is wearing an orange winter coat and a pink beanie, and the girl is wearing a pink jacket and pink beanie. They are outside on a snow-covered lawn.
A woman standing inside a gym, holding a red t-shirt that says '100 WODS STRONGER.' She is smiling and dressed in athletic wear, including leggings and sneakers. The gym has a concrete wall background with flags hanging, kettlebells on shelves, and g

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