Milestone Money

Milestone Money provides wealth management to individuals, high‑net‑worth clients, and their trusts and estates, delivering discretionary investment management together with ongoing financial planning. The firm typically implements portfolios with mutual funds and ETFs and will also advise on individual bonds, certificates of deposit, structured products, insurance‑held assets and employer retirement plan options when appropriate.

Portfolio construction is guided by Modern Portfolio Theory and the Efficient Market Hypothesis, and the firm applies liability‑driven investing techniques to match income needs for clients approaching or in retirement. Milestone Money emphasizes integrating a written financial plan into investment decisions, discouraging standalone portfolio management and providing annual plan reviews and continual monitoring.

Distinctive aspects include a relatively concentrated client base managing roughly $56 million in AUM and a principal team whose professional credentials emphasize retirement, tax, and exit planning, including work with business owners. The firm maintains custodial relationships across Charles Schwab, Altruist and Betterment, uses standing letters of authorization and individual trade execution rather than block trading, and discloses a specific third‑party fee arrangement with a fund sponsor (YREFY) that could create a potential conflict of interest when that fund is recommended.