Mary Deutsch, founder of MTD Financial, has been serving individuals and families with a professional background spanning finance, sales, management, and marketing since 2007. Raised on a dairy farm in Sycamore, Illinois, she developed an appreciation for hard work, integrity, and building lasting relationships. She founded MTD Financial in 2014 with the goal of helping clients address the financial decisions that come with preparing for retirement and preserving their financial future. Mary is also a Fiduciary offering managed portfolio services via MTD Wealth Management.
Mary works with clients to develop personalized financial strategies based on their individual goals and priorities. Her areas of focus include retirement income planning, wealth management, asset preservation strategies, and legacy planning. She believes that educating clients and maintaining open communication are important parts of the planning process, helping individuals and families make informed financial decisions.
In addition to working with clients, Mary is a frequent educator and speaker, sharing financial and retirement planning ideas with both clients and professional audiences. She remains committed to providing thoughtful guidance and building long-term relationships based on trust, communication, and service.
Our approach is built on pillars that don’t bend depending on market conditions,
account size, or complexity. These are the principles that define every client
relationship we enter.
Financial complexity is not a virtue. We believe the best guidance is the kind that makes the complicated feel simple — not because we’ve glossed over the details, but because we’ve done the work to translate them into language that actually means something to you.
Every meeting ends with confidence, direction, and a clear “why” behind each decision. You leave knowing exactly where you stand, what you’re doing next, and why it makes sense for your specific situation. No jargon. No pressure. No ambiguity.
We made a deliberate choice to stay small. Not because we can’t grow, but because we know what happens when a firm grows faster than its ability to know each client by name. We’re not a call center. We’re a team that knows your family, understands your goals, and is genuinely invested in your outcome.
You will always work with someone who knows your full picture. Our clients describe the relationship as being guided by someone who treats their future as if it were their own — because that is exactly the standard we hold ourselves to.
We tell the truth even when it’s hard. We lead decisively and do what’s right, not what’s easy. If a strategy isn’t the best fit for your situation, we say so — even when it means recommending something that benefits you more than it benefits us.
This commitment to honest guidance is what turns clients into advocates. Trust, once earned, is the most durable asset in any relationship — and we work every single day to deserve it.
Every member of the MTD team was chosen with one standard in mind: would you be proud to introduce this person to your best client? We are a professional, personable, and competent group — and we believe great service is delivered by great people who genuinely care.
The relationship engine. Warm, decisive, and direct. Mary grew up on a dairy farm in Sycamore, Illinois, and has been helping clients plan for retirement since founding MTD Financial in 2014. She is a fiduciary, holds a Series 65 license, and is licensed in 17 states.
Forbes Best in State. MDRT Top of the Table since 2015. Three-time published author. She is here to see you to and through retirement.
Fifteen years at AT&T across marketing and management before joining MTD. Joe focuses on growing the business by streamlining internal processes and strengthening the operational backbone that supports MTD's advisors and clients.
Nearly a decade at Northwestern Mutual, including four years as Director of Operations, before joining MTD. Daniel focuses on aligning processes, solving problems at every level, and clearing operational friction so the team can stay focused on clients and their families.
Fourteen years as an automotive service advisor before transitioning into financial services. Rachel focuses on fixed indexed annuities, helping clients protect their principal while building toward a more secure financial future.
A career spanning chemical engineering, renewable energy research, and global consulting before financial services. Maxwell leads MTD's life insurance work and legacy planning strategies.
Thirty-five years at R.R. Donnelley in client services and marketing before joining MTD in 2022. Chris oversees new and existing client policies with patience, precision, and genuine care.
Kamila brings patience, positivity, and detail-orientation to client communication, current policies, upcoming opportunities, and next steps with Mary.
Madeline manages Mary's client appointment calendar and oversees planning and preparation for MTD's seminar events, bringing empathy, organization, and attention to detail.
Rhonda is often the first person clients meet when they walk through MTD's doors, bringing decades of financial-services technology experience and a warm client-first approach.
Luke manages the transfer and movement of client premium payments with the discipline to keep every transaction accurate, documented, and moving forward on schedule.
At MTD Financial, clients aren’t just transactions — they’re part of a community. Our events program is one of the ways we invest back into the relationships that make this practice worth showing up for every day.
From summer picnics at the park to holiday events for your family, Client Appreciation Events are our way of saying thank you — no agenda, just gathering with the communities we serve.
Workshops covering a variety of topics that matter to retirees and pre-retirees — designed to inform without the pressure of a sales pitch. Open to both current clients and prospective clients. Education first, relationship second, business third.
At MTD, we believe in not only helping you to and through retirement, but we also believe in helping meet the needs of the community around us today.
Your money may need to serve more than one purpose.
It may need to provide income through retirement, protect what you’ve spent years saving, create greater tax flexibility, support the people you love, and continue growing for goals still ahead.
MTD brings those needs together through two aligned practice areas, with the same relationship, the same straightforward guidance, and the same commitment to keeping the bigger picture clear & simple.
Income for retirement. More freedom. More options.
Create retirement income designed to last a lifetime, help protect principal from market declines, and explore strategies that can reduce taxable liability, create tax-free resources for the future, strengthen your legacy, and prepare financially for potential care needs.
Growth for the possibilities still ahead.
Active investment management helps your assets continue working toward growth, giving you greater opportunity to fund the experiences, goals, generosity, and choices that matter to you