Personal Money Planning, LLC operates as a registered investment advisor offering comprehensive financial planning, investment advice, and ongoing investment management. The firm works directly for clients without selling commission-based products, focusing instead on building customized portfolios using stocks, bonds, mutual funds, and exchange-traded funds. Personal Money Planning emphasizes the integration of financial planning with investment management to help clients align their portfolios with personal life goals, with a particular emphasis on retirement planning and college funding. While the firm prefers that clients complete a financial planning process, it also accommodates those seeking standalone hourly consulting or ongoing investment monitoring. The team considers factors such as cash flow needs, risk tolerance, and tax considerations when tailoring portfolios and maintains discretionary authority over trading unless specific restrictions are requested by the client.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $150K | 1.55% |
| $150K - $1.0M | 0.80% |
| $1.0M - $5.0M | 0.55% |
| $5M+ | 0.45% |
Fees are negotiable in special circumstances, and household accounts may be combined for fee calculations.