MP3 Finance LLC

MP3 Finance LLC provides discretionary and non-discretionary portfolio management, comprehensive financial planning, financial coaching, and SEP IRA setup and ongoing services. The firm works with individuals at different life stages—including pre-retirees and younger investors—and offers management for personal, trust, and business/corporate investment accounts held at Charles Schwab.

The adviser employs a mix of fundamental and technical analysis and emphasizes long-term holdings in stocks, bonds, and ETFs while offering options strategies (covered calls, cash‑secured puts, and selectively, protective puts) for clients in higher service tiers. For clients with documented higher risk tolerance the firm may allocate a limited portion of portfolios to digital‑asset‑related ETFs and uses margin on a limited basis in approved accounts, all subject to suitability and custodian permissions.

Distinctive aspects include a subscription-based ongoing planning option alongside tiered portfolio management plans and annual invoicing practices, and the explicit use of derivatives and limited borrowing within managed accounts—practices that are less common among independent advisers. The adviser’s disclosed outside activities (proprietary futures trading conducted separately from client work, an educational YouTube channel, and a personal training business) are noted in the brochure and described as separate from client services.