Money Sense is a financial planning firm founded by Molly Nelson in Missoula, Montana. The firm focuses on delivering financial education, guidance, and actionable plans to help clients navigate various financial topics. Money Sense does not manage investment portfolios or buy and sell securities on behalf of clients, but instead offers advice-only services. Clients can book one-on-one working sessions to tackle specific financial questions, such as vehicle purchases, retirement plan contributions, health savings accounts, and employee benefits. Additionally, Money Sense covers broader areas including cash flow and debt management, retirement planning, college savings, risk management and insurance reviews, tax-aware planning, and estate planning document reviews. The firm follows Modern Portfolio Theory and recommends passive investment strategies utilizing index mutual funds or exchange-traded funds when discussing investments, but leaves implementation up to the client.
Fee Structure
- Ask Me Anything Session — $997 for a minimum 90-minute working consultation to address specific financial questions or projects, including a written summary of recommendations and up to two follow-up emails
- Hourly consulting — $250 per hour, billed in 15-minute increments for additional project time beyond the initial session