A retirement-focused team built on education and trust

The People Behind Your 360° Plan

ModeWealth is a retirement and income planning firm built on the belief that families deserve clear guidance they can understand and a strategy that truly works together. From day one, our founder set out to remove barriers, reduce inefficiencies, and make high-caliber retirement and tax-focused guidance accessible to the community.

How Modewealth Came to Life

From fragmented advice to a truly integrated approach

ModeWealth was founded when Melvin Young saw too many families trying to piece together guidance from separate advisors, tax preparers, and institutions—with no one looking at the full picture. His vision was simple but bold: create a “360°” solution that connects retirement and income planning with tax strategy, supported by clear education at every step.

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From the beginning, Melvin focused on eliminating barriers that keep people from getting real help—confusing jargon, siloed professionals, and opaque fees. Today, that vision lives on in ModeWealth’s Mode360 planning process, our classes and workshops through local colleges, and our role as an educational partner to the community.

Meet the Modewealth Team

A coordinated group of specialists working as your wealth partner

Your tax team, compliance team, and fiduciary advisory team collaborate behind the scenes so your plan reflects integrated expertise in tax, law, and financial advising—visit our “Meet Our Team” page for individual bios and credentials.

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Why We Do What We Do

A 360° planning philosophy centered on your best interest

We believe every household deserves a planning team that understands its goals, not just its account balances. Through retirement and income planning, tax-aware strategies, and ongoing education, ModeWealth helps individuals, families, and business owners build confidence and long-term stability—not just get through the next tax season.

Who We Work With

Local trusted advisors for the moments that matter most

ModeWealth serves individuals and families who want a thoughtful partner to connect their retirement, income, taxes, and long-term goals.

  • Pre-Retirees and Retirees

    We help those approaching or already in retirement design sustainable income strategies, make informed Social Security decisions, and reduce unnecessary taxes on withdrawals. Our team reviews your full financial picture so you can feel confident your lifestyle is supported—not just in your first years of retirement, but for the decades that follow. We prioritize clarity and education, so you always understand how your retirement plan is built and why each recommendation is being made.

  • High-Net-Worth Individuals and Families

    For clients with more complex assets, we coordinate retirement and income planning with tax and estate considerations to keep your resources aligned with your values and long-term intentions. Our team helps organize accounts, address concentrated positions, and plan for future generations in a structured, intentional way. You get a single primary contact, backed by a coordinated retirement and tax-focused team that’s dedicated to protecting and efficiently using what you’ve built.

  • Small Business Owners

    We work with business owners who need more than basic bookkeeping and year-end tax prep, helping connect business decisions to personal retirement and income goals. From entity structure to retirement plan design and compensation strategies, we examine the tax and long-term planning impact of each move so your business supports your personal life, not the other way around. Our combined experience in tax and retirement-focused planning helps you navigate complex choices with a clearer path forward.

  • Lifelong Learners and Education-Focused Clients

    Many of our clients are drawn to ModeWealth because they want to understand what’s happening with their money, not just delegate it and hope for the best. Through partnerships with local colleges, membership in the Council of Financial Educators, and ongoing workshops, we create an environment where questions are encouraged and education is part of every meeting. If you value learning, transparency, and a planning team that welcomes your curiosity, ModeWealth is designed with you in mind.

What You Can Expect From Us

The standards that guide every client relationship

At Modewealth, our values shape the way we show up for families, business owners, and retirees across Salem and the surrounding communities.

Meet the Team

Bilingual accountants committed to your success

Our team combines decades of experience in accounting and tax services with the ability to communicate clearly in English and Spanish (Italian coming soon). We work closely with each client, focusing on clarity, respect, and personalized solutions.

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Nature's Symphony

Breathtaking colors of our planet
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Faces of Humanity

Portraits of people from around the globe
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Sands of Time

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Professionalism

We hold ourselves to a corporate-level standard of care, with fiduciary advisors, IRS Enrolled Agents, and a structured planning process designed to deliver clear, thorough recommendations.

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Responsiveness

Our team is organized so you’re not left waiting—your Salem wealth planning team is accessible, proactive in communication, and committed to updating your plan as your life and the tax landscape change.

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Quality

From research-backed strategies to compliance-vetted advice, we focus on quality in every detail, so the guidance you receive is reliable, repeatable, and worthy of your trust.