Aaron Cirksena | Source | Founder & CEO at MDRN Capital
Aaron Cirksena
Aaron Cirksena is a 2011 graduate of the University of Maryland, College Park, where he studied economics. Since then, he has devoted his entire career to financial planning, distribution planning and managing client money. He first worked with multiple $1 billion teams at Morgan Stanley and independent firms, and eventually created his own independent services firm in MDRN Capital. He has been featured in Forbes, Yahoo Finance, Kiplinger and Wall Street Journal.
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MDRN Capital (https://mdrncapital.com/)
Founder & CEO
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Barron's - During Market Turmoil, Retirees Need to Focus on Principal Protection. This Advisor Explains How
Aaron Cirksena, founder of MDRN Capital, saw his parents lose capital during the 2007-09 recession. He wants to protect clients from the same mistakes.
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MarketWatch - Is it time to panic about your portfolio? Here’s what financial advisers are telling clients.
Stocks tumbled following Trump’s big tariffs reveal. But market downturns are inevitable, financial pros say.
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Should You Take a Loan From Your 401(k) Before Retiring?
Aaron Cirksena, founder and CEO of MDRN Capital, warns that when considering taking out a 401(k) loan, you may think you have no other option or may be intrigued if the interest rate is low, but generally, it does more harm than good.
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Early Financial Education: Building Strong Money Habits in Children
Aaron says starting financial education early is like planting a tree for strong growth. “Kids at that age are like little sponges,” he notes, emphasizing the importance of teaching budgeting and saving. Schools can integrate financial literacy into subjects, while governments should mandate it. Overcoming challenges like curriculum standardization can equip children with essential financial skills. -
Retirees: Target These States for Low Taxes and Cost of Living
Aaron advises retirees to lower living costs by choosing states with low taxes. "Florida offers no state income tax but has higher coastal insurance rates." West Virginia provides a low cost of living and low property taxes, ideal for those seeking mountains and seasons. -
Expert Tips for Retirement Planning: How to Secure Your Future
Aaron advises starting with understanding future expenses and using the 4% rule as a gauge. Maximize employer 401(k) matches, then consider an IRA for flexibility. Shift investments from stocks to conservative options as retirement nears. Begin saving early, create a budget, pay down debt, and adjust plans as needed.
