Money Positive

Money Positive Cooperative is a registered investment adviser that serves households and small businesses through a membership-based financial planning practice. The firm provides ongoing financial planning, discretionary investment management, non-discretionary advice for retirement accounts, and additional services including tax preparation, small‑business bookkeeping, fractional CFO engagements, and educational workshops.

The firm primarily implements passive investment strategies using index mutual funds and ETFs and offers socially responsible/ESG allocations via recommended SRI fund solutions rather than building custom active portfolios. Clients access plans and live budget tracking through an online planning platform and typically receive ongoing planner support under a subscription model; investment management is generally conducted on a discretionary basis under limited power of attorney while retirement-plan advice is provided non‑discretionarily.

Noteworthy features include its cooperative, member‑owner structure and a small advisory team offering an unusually broad set of business and tax services for a firm of its size. The firm’s principals also maintain other industry roles (including insurance licensure and outside employment), and the adviser operates within an institutional custodian program that provides trade execution and operational benefits which bear on its brokerage and custody arrangements.