Fee-based fiduciary planning · Atlanta, GA

One team.
One plan.
Portfolios built with intent.

We are a registered investment adviser, not just a planning firm. Our team designs and actively manages your portfolio, then coordinates it with your retirement income, tax, and estate strategy into a single plan, managed as your fiduciary.

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Our story

Life gets more complex as it gets richer.

A growing family, a business, a career transition, an inheritance. Each one adds new decisions, new risks, and new opportunities that a single account or a piece of one-off advice cannot fully address.

Mainstreet Financial Group was built around coordination. We serve as the hub of your financial life, connecting your investment strategy, retirement income plan, tax picture, estate goals, and risk management into one coherent plan, and we make sure those pieces work together instead of in parallel.

As an independent, fee-based fiduciary firm, we are not tied to any product line or proprietary fund. That independence lets us build advice around your situation alone, and adjust it as your life changes.

What we offer is not just advice. It is clarity. The kind that lets you make confident decisions and stay focused on what actually matters to you.

What we believe

Skilled professionals, working as one team.

We believe clients are in the best position to reach their goals when they work with skilled professionals for both financial planning and investment management. In today's financial environment, that kind of specialization matters more than ever.

So we deliver both. We provide comprehensive financial planning and professional investment management in house, with client assets held at Schwab, one of the most established custodians in the country. From investment research and financial planning to operations, design, compliance, and technology, we are a diverse team of professionals, deeply integrated through shared systems and clear communication, here to serve you.

And we hold ourselves to the standards of our profession, through ongoing education and continued professional development.

Investment management

The discipline of building and managing a portfolio.

A plan tells you where you want to go. The portfolio is how you get there, and managing it well is its own craft.

As a registered investment adviser, we design and manage portfolios in house. Every allocation starts with the purpose of the money and your tolerance for risk, then we build with low-cost, diversified holdings and manage them actively over time. Client assets are held at Charles Schwab, one of the most established custodians in the country.

Markets move, life changes, and tax situations shift. We monitor, rebalance, and adjust with intent, so the portfolio keeps doing the job your plan asks of it.

How we manage your money

i.
Purpose-built allocation
Each portfolio is structured around the goal it funds and your capacity for risk, not a one-size model.
ii.
Diversified, cost-aware construction
Broadly diversified holdings selected with an eye on cost, tax efficiency, and the role each piece plays.
iii.
Active monitoring and rebalancing
We watch the portfolio against your plan and rebalance deliberately as markets and your life change.
iv.
Coordinated with the whole plan
Investment decisions are weighed against your income, tax, and estate picture, never made in isolation.

People Mainstreet Financial Group serves

Who we serve

Three paths. The same fiduciary care.

The coordination is the same for everyone. What changes are the decisions that matter most for where you are in life and work.

Successful Retirees

Make your savings last

You spent decades building it. Now the work shifts from growing your money to making it last, tax-efficiently, for the next thirty years.

·Tax-smart withdrawal sequencing
·Social Security claiming strategy
·Roth conversion planning
·Required minimum distribution strategy
·Protection against an early-retirement downturn

Plan your retirement income →

Federal Employees

Built around your FERS benefits

Your federal benefits are worth more than most realize, and the big choices are often permanent. We help you get them right before you commit.

·FERS & CSRS annuity and survivor elections
·TSP strategy at and into retirement
·FEHB and FEGLI coordination
·Choosing the right retirement date
·Coordinating the FERS Supplement & Social Security

Review your federal benefits →

Entrepreneurs & Professionals

A plan beyond the business

For most owners, the business is the retirement plan. We turn concentrated value into diversified, dependable personal income that stands on its own.

·Turning business value into lasting income
·Exit and succession planning
·Retirement plan structure for you and your team
·Managing concentrated-wealth tax exposure
·Coordinating the pieces so nothing falls through

Build your personal plan →

Ruth D. Goldstein, CFP® and ChFEBC℠, founder of Mainstreet Financial Group

Your advisor

Ruth D. Goldstein, CFP®, ChFEBC℠

“My job is to hold your entire financial picture, so you can stop managing it in pieces and start living around your goals.”

CFP® Professional ChFEBC℠ Founder & CEO Chief Compliance Officer

Ruth founded Mainstreet Financial Group more than fifteen years ago and serves as a fiduciary registered in the state of Georgia. As a holistic financial planner, she coordinates estate, tax, retirement income, and risk management strategies for retirees, business owners, and federal employees, helping each maximize what they have built and secure what comes next.

One team.
One plan.
Portfolios built with intent.

Life gets more complex as it gets richer.

Skilled professionals, working as one team.