M&M Wealth Management, LLC

M&M Wealth Management provides portfolio management, pension consulting, and financial planning to individuals, high‑net‑worth individuals, pension and profit‑sharing plans, and business entities. The firm delivers both discretionary and non‑discretionary services and constructs individualized Investment Policy Statements to guide asset allocation and ongoing portfolio monitoring across mutual funds, equities, fixed income, ETFs, insurance products (including annuities), real estate funds, oil and gas interests, and private placements.

The firm’s investment process is overseen by two portfolio managers who maintain mutually exclusive client rosters and employ different trading styles—one emphasizing longer‑term, block trading and the other employing shorter‑term strategies—using methods such as fundamental, technical, charting, quantitative analysis and modern portfolio theory. M&M seeks fair allocation of investment opportunities across clients, documents risk tolerance in each client’s Investment Policy Statement, and may utilize both long‑ and short‑term trading as well as higher‑risk alternative investments when appropriate.

A distinctive feature is that both portfolio managers are licensed insurance agents and may offer commissionable insurance products to clients, a practice the brochure discloses as a potential conflict of interest and notes clients are not required to purchase such products through the advisors. The firm’s small, two‑manager structure with separately managed client books, explicit disclosure of insurance‑related conflicts, and an expressed willingness to use alternative and private investments are noteworthy considerations relative to many peers.