MSM Financial, LLC

MSM Financial, LLC provides comprehensive financial management and investment management services to individuals, corporations, and other business entities. Its ongoing planning work includes financial plans, personal financial statements, long‑term projections, cash‑flow and retirement analysis, and tax planning with annual personal tax return preparation included as part of the comprehensive model.

Investment management is implemented through a collaborative sub‑advisor relationship with Asset Dedication, with the firm acting as the primary client contact and coordinating model portfolio selection and ongoing communication; investment management is generally offered to clients who engage for comprehensive financial management, with limited exceptions. Client engagements typically include one to four in‑person or remote meetings per year, annual plan updates, and unlimited phone and email support to implement and monitor recommendations.

A distinctive feature is that the firm began as, and continues to operate as, a licensed CPA practice that offers tax, accounting, payroll and tax return services alongside advisory services, and the principal allocates a substantial portion of time to those CPA activities. The brochure discloses this dual role and the potential conflicts it can create (such as recommending firm tax services), while also noting that discretionary portfolio management is delegated to an external sub‑advisor for implementation.