ConservativeMoney LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$9,140,314
Clients
15
Advisors
1
of 1 employees
About
Conservativemoney LLC provides investment management and retirement-planning services to individuals, IRAs, trusts and variable annuities, and also works with pension and profit-sharing retirement plans and charitable organizations. The firm offers ERISA-related consulting and retirement income guidance, including Social Security and required minimum distribution matters, and holds related certificates in Social Security and ERISA best practices.
The firm follows an active tactical asset-allocation approach that combines technical, cyclical, and seasonal analysis and implements a single model portfolio across client accounts. Portfolios may move between long, short, and cash positions and can involve frequent trading; the firm may exercise limited discretionary trading authority for non-ERISA accounts while providing non-discretionary model-portfolio notifications to plan trustees for ERISA-covered plans.
Noteworthy features for a firm of this size include its client mix that explicitly includes charitable organizations and retirement plans, an uncommon combination among independent advisers, and the use of a unified model portfolio rather than individualized allocations. The firm operates with a compact structure and uses an online custody/trading platform that executes aggregated “window” trades and fractional-share orders, and the managing member’s separate insurance licensure is disclosed as a potential additional source of compensation.
Client services
Expertise
Occupation focus
Fee options
Flat fee billing of 0.80% annually; also flat monthly or quarterly advisory fees negotiated for ERISA plans
$0 - $100,000: 1.2% annually $100,001 - $250,000: 1.0% annually $250,001 - $500,000: 0.70% annually $500,001+: 0.50% annually
Hourly consulting rate with predetermined maximum hour and dollar amount
Pre-determined flat monthly or quarterly advisory fee (retainer) negotiated for ERISA plans
Fee-only: Fee-only compensation; no commissions accepted
Main office
1315 W 76th Street
Cleveland OH 44102-2030
Advisors at this office
1
Most active in
Ohio
Also doing business as
Conservativemoney · Conservativemoney LLC · Fayen, Thomas Patrick · Wealth Management Group Conservative Investment Advisors
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)