M Financial Planning Services, Inc

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Client assets under management

Clients

100

0% high-net-worth

Advisors

of 9 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Low

Average account size

About

M Financial Planning Services serves individual and high-net-worth clients by providing standalone financial planning and consulting across areas such as estate, retirement, college, and insurance planning. The firm offers tiered, subscription-based planning geared toward young professionals in addition to traditional fixed-fee and hourly engagements.

The firm does not provide investment management, custody, or wrap programs; clients seeking portfolio management or investment implementation are required to enter separate agreements with LPL Financial, and some firm representatives also operate as registered representatives and investment adviser representatives of LPL. M Financial’s planning work is informed by fundamental analysis and may discuss long- and short-term strategies, and the firm discloses limited use of AI tools subject to internal controls and review.

Compared with many team firms, M Financial’s planning-only model — relying on fixed, hourly and subscription fees rather than in-house AUM-based portfolio management — is a distinguishing feature. The brochure also highlights referral and commission arrangements with LPL and licensed insurance agents and the availability of third-party reporting for client-held assets, all of which create specific implementation pathways and potential conflicts of interest for clients to consider.

Client services

Financial planning

Expertise

General retirement planning College savings (529s, UTMA, etc.) General estate planning guidance

Demographic focus

Young Professionals

Fee options

Fixed

Subscription financial planning service: initial fee $1,500 to $3,000 plus flat quarterly fee $250 to $750

Commissions

Brokerage commissions charged by LPL for securities transactions; portion paid to Registrant's Principal and representatives

Project-based

Hourly rates range from $200 to $300 per hour

Subscriptions

Subscription fees: initial $1,500 to $3,000, plus ongoing quarterly fees between $250 and $750

Other

Minimum fee: Generally ranges from $1,500 to $6,000 on a fixed fee basis Fee-only: Fixed fees generally $1,500 to $6,000; hourly rates from $200 to $300

Main office location

M Financial Planning Services, Inc

57 South Maple Avenue

Marlton NJ 08053, United States

Number of offices

Most active in

Florida · New Jersey · Pennsylvania

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Is not active or affiliated with:

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

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook Instagram Website 856-810-7701

Advisors at this firm

Theodore M

ChFC®, Series 63

Marlton, NJ

M Financial Planning Services, Inc

Theodore Massaro is a ChFC® with 48 years of experience in the financial services industry. He has been with M Financial Planning Services, Inc. since 2004 and also maintains longstanding roles with Asset Management Assoc. of Medford Inc, LPL Financial LLC, Security Mutual Life, and Phoenix Mutual Life Insurance. M Financial Planning Services focuses on standalone financial planning and consulting for individual and high-net-worth clients, offering tiered subscription-based and fixed-fee engagements without providing investment management services directly.

General retirement planning College savings (529s, UTMA, etc.) General estate planning guidance Young Professionals

Edward G

CFP®, Series 66

Marlton, NJ

M Financial Planning Services, Inc

Edward Garruto is a CFP® and Series 66 licensed advisor with M Financial Planning Services, Inc. in Marlton, NJ. He has 14 years of industry experience and has been with M Financial Planning Services and LPL Financial LLC since 2011. M Financial Planning Services offers standalone financial planning and consulting for individual and high-net-worth clients, focusing on estate, retirement, college, and insurance planning. The firm operates on a planning-only model with fixed, hourly, and subscription fees rather than managing assets directly.

General retirement planning College savings (529s, UTMA, etc.) General estate planning guidance Young Professionals

Anthony M

CFP®, Series 63, Series 65

Marlton, NJ

M Financial Planning Services, Inc

Anthony Massaro is a CFP® professional with 10 years of industry experience. He has worked at M Financial Planning Services, Inc and LPL Financial since 2019, and previously spent four years at The Vanguard Group, Inc. Massaro provides administrative and active support to M Financial Planning Services, an independent advisory firm. M Financial Planning Services serves individual and high-net-worth clients with standalone financial planning and consulting in areas such as estate, retirement, college, and insurance planning. The firm’s planning-only approach uses tiered subscription, fixed-fee, and hourly engagements, and does not provide investment management or custody services.

General retirement planning College savings (529s, UTMA, etc.) General estate planning guidance Young Professionals

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