MoneyCafe Advisors, LLC

The firm works with individual clients, high-net-worth individuals and small business owners to deliver comprehensive financial planning and investment management, and it also offers project-based or hourly financial planning. As a single-advisor independent RIA, it develops individualized written financial plans, assists with implementation, and provides ongoing plan monitoring only for clients who engage its monitoring services.

Its investment approach is based on fundamental analysis and typically emphasizes long-term holdings, with strategies customized to each client’s stated objectives. The firm may place client accounts into model portfolios available through its custodian and, while it accepts discretionary authority for some accounts, most client assets are managed on a non‑discretionary basis and legacy non‑discretionary relationships require client consent before trades.

What is noteworthy about the firm compared with peers is its fee and custody arrangement: it relies on flat and project/hourly planning fees rather than charging a percentage of assets under management, and a large share of its AUM is handled non‑discretionarily — a combination that is uncommon among independent advisory practices. The firm executes trades on an individualized (non‑aggregated) basis, coordinates with other professionals for tax and estate matters, and may recommend third‑party managers via its custodian’s model marketplace without sharing in those managers’ advisory fees.