Money Plans

Money Plans serves individual clients and families with fee‑only advisory services including discretionary money management, non‑supervisory investment recommendations, comprehensive financial planning, consultations, and hourly advice. For discretionary management the firm generally places accounts on a supervisory (limited discretionary) basis for clients with investable assets above $300,000 and reports approximately $107,992,883 in discretionary assets across about 46 client relationships.

The firm’s investment process emphasizes cost‑ and tax‑conscious portfolio construction using fundamental and macroeconomic analysis to set strategic and tactical allocations, with typical holdings that include ETFs, mutual funds, dividend‑paying stocks, individual bonds and laddered CDs. Money Plans also uses techniques intended to manage risk and tax outcomes — including direct indexing, targeted capital‑preservation cash allocations, and selective use of inverse and leveraged ETFs — and executes electronically through Schwab with batch trading and occasional trade‑away for fixed income to seek efficient execution.

Compared with many peers, Money Plans discloses a willingness to implement direct indexing and to recommend inverse/leveraged funds and concentrated positions when suitable, and it explicitly documents use of AI tools for meeting recording and analysis (with an opt‑out option) and associated AI and cybersecurity risks. The firm is fee‑only, maintains membership in NAPFA, does not accept third‑party compensation, and reports a recent organizational change from a sole proprietorship to an LLC as part of its business structure and compliance practices.