MTD Financial
The goal was never the money. The goal was always the life it could give you.
HELPING YOU TO AND THROUGH RETIREMENTRooted in safety, simplicity, and care. Built for the people who have worked a lifetime for this next chapter.
Est. Chicago
Ch. 01 — Relationship
Your first meeting is designed to last an hour. The relationship is designed to last the rest of your life.
Most relationships with your Financial Professional often follow a predictable arc: A promising first meeting. A plan that gets built. Quarterly check-ins that start strong and gradually become a voicemail you return when you get around to it.
Somewhere along the way, the person managing your retirement becomes someone you vaguely recognize at an annual meeting.
MTD Financial was intentionally built to work differently.
Your plan should evolve every time your life does — and someone is here paying close enough attention to notice when it should.
A Financial Professional who knows your children’s names, your business pressures, your concerns about aging parents, and how you actually define of a life well-lived.
That’s the difference between a Financial Professional who only plans your money and one who actually plans for your future.
— A Moment of Clarity —
At some point, every successful person asks: "Am I actually ready for this?"
Retirement can start feeling less like a distant milestone and more like an approaching reality. And somewhere in that shift, a question surfaces that decades of hard work and discipline never quite prepared you for.
"Do I actually know what I'm doing from here?"
Accumulating wealth rewards ambition, consistency, and risk tolerance. Protecting it through retirement rewards something different — clarity, structure, and a strategy specifically built for this chapter.
That’s the transition we focus on. And we make it with the kind of straightforward, personal guidance that leaves you walking out of every meeting knowing exactly where you stand.
Ch. 02 — Founder
A different kind of advisor. By design.
Mary Deutsch built MTD Financial around a simple conviction: the people who have worked a lifetime to build their wealth deserve to spend their retirement enjoying it — not worrying about it.
That conviction shapes everything about how she works. From the questions she asks in a first meeting, the way she explains complex strategy in plain language, and the drive to know every client personally — their families, their goals, the specific life they’re trying to build next.
She is here to see you to and through retirement.
Mary Deutsch
Founder, CEO & Lead Financial Professional
— The MTD Retirement Trinity —
Protection. Clarity. Partnership.
"I've worked hard for what I have. I don't want to lose it."
You won't. Every retirement strategy is built on a guaranteed* floor your principal never falls below.
Your wealth grows when markets grow and stays completely intact when markets fall. That’s how millions client wealth has come through every correction of the last decade without a dollar of principal lost due to the market declining.
Growth is steady, consistent, and built on top of a foundation designed to hold for the rest of your life.
"I just want to know I'm doing the right things."
You will. Mary holds every strategy to a single standard.
You can walk out of any meeting and explain your entire retirement strategy to your spouse, your children, or your business partner in plain language.
Every allocation has a reason you understand. Every instrument serves a purpose you can see. Every tax strategy* connects back to an outcome you can measure. (We always suggest consulting your personal tax advisor)
"I don't want to manage all this anymore. I just want confidence that it's handled."
It will be. MTD stays small by choice so that every client relationship stays personal by design.
Mary knows when something in your life has shifted and the plan needs to shift with it — often before you bring it up yourself. She delivers hard truths with warmth because she would rather have an honest conversation today than watch a quiet mistake compound for a decade.
This is a relationship measured in years, built on trust that deepens every time your plan evolves alongside your life.
The work
Retirement isn't the end of something. It's the beginning of everything you worked for.
Ch. 03 — Who
Who's in your corner?
— The Track Record
Forbes Best in State. Million Dollar Round Table Top of the Table.
The highest tier in the profession, every year since 2015. National recognition before she turned 30. A long, public, consistent record of principal protected through every correction of the last decade.
— The Philosophy
Simple enough to explain. Strong enough to weather anything.
Your retirement planning should be honest enough that you always know exactly where your money is and why.
— The Experience
She learns your family, your goals, your concerns and builds around all of it.
She will tell you the truth about your own money even when it’s hard to hear, because she’d rather protect your future than protect your feelings.
— The Promise
Every client's retirement is treated with the same care as her own family's.
Her clients will tell you that’s exactly what it feels like. That’s why they stay. That’s why they refer their spouses, siblings, business partners, and adult children.
— The record —
A practice built on trust, measured in decades.
— Recognition —
Behind every award is a client who got exactly what they deserved.
— Some questions you might have —
Asked honestly. Answered the same way.
What's your track record?
Mary Deutsch has been named a Forbes Top Financial Security Professional, Best in State every year since 2020. She's qualified for the Million Dollar Round Table's Top of the Table — the highest tier in the profession — every year since 2015. Her first national recognition came at 29. She has helped safeguard hundreds of millions in client wealth through market volatility. The record is long, it's public, and it's consistent.
What happens to my money in a downturn?
Every strategy MTD builds starts with a guaranteed* floor your income never falls below. Clients participate in market gains while staying completely shielded from losses. Through every correction of the last decade, retirement income held and principal stayed intact. That's the protection-first model at work.
What makes this different from every other Financial Professional I've talked to?
Most advisory relationships fade after the first year. MTD's don't. Mary knows her clients personally — their families, their concerns, their goals as they evolve over time. That's why MTD holds an A+ BBB rating going back to 2015, and why clients consistently refer their spouses, siblings, business partners, and adult children.
I've managed my own wealth successfully. Why would I change that now?
Because building wealth and turning it into protected, tax-efficient* retirement income that lasts decades require different strategies entirely. You've handled the accumulation side with discipline and skill. MTD specializes in everything that comes after: the income planning, the downside protection, the tax reduction*, and the clarity to understand every piece of it.
— Where Do You Go From Here? —
Most people find themselves in one of three places.
i
Keep waiting.
Some keep waiting for the perfect moment to get serious about planning for their retirement. The perfect moment, in our experience, is always now because the strategies that protect and grow your wealth work best when they have time to work.
ii
Navigate it alone.
Some try to navigate it alone by piecing together information, second-guessing decisions, and carrying the weight of it without a trusted partner in their corner.
iii
Start the conversation.
And some schedule a conversation with MTD Financial. They come in with questions and leave with clarity. That conversation costs nothing. The clarity and peace of mind it delivers is priceless.
— An Invitation —