Moore Financial Planning Advisors, LLC

Moore Financial Planning Advisors, LLC is a small, independent, fee-based advisory firm that serves individual clients with personalized financial planning, cash‑flow management, qualified plan consulting, and portfolio management. Services include both discretionary and non‑discretionary asset management (including use of the Betterment for Advisors platform), preparation of written financial plans through multi‑meeting processes, and facilitation of third‑party money manager relationships.

The firm uses a consultative planning process—an initial information‑gathering meeting followed by deeper analysis and a delivered plan (roughly 7–10 or 10 hours of work, depending on the service)—and documents client objectives and risk tolerance in Investment Policy Statements. Investment analysis relies on fundamental, technical, and cyclical methods, and the firm also offers fixed‑fee programs such as a cash‑flow management and annual review service with scheduled conference calls for ongoing client education and monitoring.

Distinctive features disclosed in the brochure include the managing member’s affiliated tax/business services entities and ongoing work as an insurance agent (noted as consuming more than 40% of the managing member’s time), and the firm’s practice of receiving referral fees when placing clients with third‑party managers; these relationships are identified as potential conflicts of interest. The firm’s regulatory history includes a 2014 consent order with the Florida Office of Financial Regulation concerning ADV reporting and invoicing, with an assessed administrative fine.