• Welcome to Mainstay Capital Management

    Welcome to Mainstay Capital Management

    We are an independent, fee-only, Registered Investment Advisor. As a fiduciary to our clients,
    we offer truly objective investment advice with only your best interests in mind.

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  • When Your Investments Demand  Professional Management

    When Your Investments Demand Professional Management

    Mainstay Capital Management can bring you the peace of mind that comes with knowing you have planned prudently for your future.

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  • Mainstay Compass™

    Mainstay Compass™

    Together, we can create a plan to get you on the right path towards and through retirement.

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  • Investment Management Solutions

    Investment Management Solutions

    Our team will manage your investment portfolio consistent with your personal retirement plan.

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  • Individual 401(k), 457, and 403(b)  Account Management

    Individual 401(k), 457, and 403(b) Account Management

    We specialize in the management of individual 401(k), 457, and 403(b) accounts for employees and retirees.

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  • Client Service Built on Trust

    Client Service Built on Trust

    With our staff of Certified Financial PlannersTM and Chartered Retirement Planning CounselorsSM,
    we can offer advice and comprehensive solutions for all of your financial planning needs.

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FCA announced late in 2015 that Employee Managed Retirement Plan (EMRP) balances will be transferring to the FCA US LLC Salaried Employees' Savings Plan (SESP). This transfer will take place after 5:00 PM ET on June 15, 2016. The current holdings in the EMRP will transfer to the same investment selection in the SESP. However, there are trading restrictions you need to be mindful of if you are intending to make changes to your EMRP allocation around the time of the transfer.

Although the funds will now be in the SESP, you will continue to have the ability to view your EMRP balance as a separate portion of your 401(k) account.

If you have questions about this change or how it may impact your retirement plan or current investment allocation, contact Mainstay Capital Management toll-free at 1-866-444-6246.

Effective January 1, 2016 the FCA US LLC Hourly Employees’ Deferred Pay Plan (the HDPP) will be renamed to the FCA US LLC UAW Savings Plan (the “UAW Savings Plan”) in recognition that it now includes all UAW members. Unlike the HDPP, the UAW Savings Plan has an added feature that allows contributions on an after-tax basis. The UAW Savings Plan also has additional enhancements related to hardship withdrawals, bonus deferrals into the Roth, loan provisions, and company defined contributions.

If you have questions about these changes or how they will impact your retirement plan, contact Mainstay Capital Management toll-free at 1‑866‑444‑6246.

The election window for Chrysler salaried employees for the disbursement of their 2013 Performance and Leadership Management (PLM) Award into the Salaried Employees’ Savings Plan (SESP) is open for one week. All deferral elections will need to be made between January 30th and February 6th at 3:00 PM (EST). If eligible, participants may contribute up to 100% (less mandatory withholdings) in 1% increments.

Participants should be sure to review their current deferral election to confirm it is in line with their desired deferral for the PLM. Participants may need to make adjustments to the current election under the “Base Only” or “Total Contribution” options prior to the deadline.

Keep in mind, any deferred PLM Award will be applied toward the annual 401(k) contribution limit. The IRS limit for pre-tax contributions in 2014 is $17,500, with an additional $5,500 for participants age 50 or older. If the PLM deferral takes the participant to the contribution limit, any remaining amount will be paid in cash.

If you would like to discuss your PLM Award payment and the deferral options, do not hesitate to contact Mainstay toll-free at 1-866-444-6246.

Effective December 31, 2015 FCA will discontinue contributions to the Employee Managed Retirement Plan (EMRP). In lieu of these contributions, beginning January 1, 2016 FCA will make an automatic contribution to the 401(k) and set up a company match.The automatic contribution will be 3% of the annual base salary. The match will be $.50 on each dollar contributed, up to 10% of your base pay, for a maximum 5% company match.

To maximize the company match, FCA employees will need to contribute 10% of their base salary into the 401(k). If you have questions about these changes or how they will impact your retirement plan, contact Mainstay Capital Management toll-free at 1 866 444 6246.

Chrysler announced it will freeze pension benefit accruals as of December 31, 2013 in the Chrysler LLC Pension Plan (CPP), Chrysler Group LLC Salaried Employees’ Retirement Plan (SERP), and the Chrysler Group LLC Executive Salaried Employees’ Retirement Plan (ESERP). Effective with the freeze, the company will instead make contributions to an Employee Management Retirement Plan (EMRP) account that is managed by the employee. Chrysler has also revised factors in their defined benefit pension formula to allow "retirement eligible" employees to receive 100% of accrued benefits earlier at age 58, revised from age 62, for those retiring on or after January 1, 2014.

If you have questions about the pension freeze, how you should manage the contributions in the EMRP, or how these changes will impact your retirement plan, contact Mainstay Capital Management toll-free at 1-866-444-6246.


Mainstay Capital Management

We are an independent, fee only, Registered Investment Advisor. As a fiduciary to our clients we offer truly objective investment advice with only your best interest in mind.
With our staff of Certified Financial PlannersTM and Chartered Retirement Planning CounselorsSM, we can offer advice and comprehensive solutions for all of your financial planning needs.



We Specialize in the Management of Individual 401(k), 457 and 403(b) Accounts for Employees and Retirees
General Motors, Ford, Stellantis (formerly FCA), BorgWarner, Visteon, Rolls-Royce, Allison Transmission and State of Michigan

  

  • Americas Top Wealth Advisors 2020
  • Financial Advisor
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    Recent Media Appearances

    Bloomberg

    David Kudla, Mainstay Capital Management founder and chief executive officer, shares his market and economic outlook

    CNN

    David Kudla, CEO of Mainstay Capital Management, joined Paula Newton on CNN at the New York Stock Exchange to discuss U.S. stocks, the Fed, and the tech sector.

    FOX Business

    Mainstay Capital Management CEO David Kudla joined Charles Payne on Fox Business to discuss the markets, inflation, and the Fed.

    CNBC

    CNBC’s Steve Liesman interviews Federal Reserve President Charles Evans live from the ENGAGE Undergraduate Investment Conference.