Comprehensive Money Management Services LLC

Comprehensive Money Management Services LLC provides personalized financial planning and supervisory investment management to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses. The firm operates on a fee‑only basis, does not accept commissions or sell financial products, and delivers a written financial plan that typically precedes or accompanies its investment services.

CMMS frames portfolio construction on Modern Portfolio Theory combined with a stated “scenario‑based” asset allocation that emphasizes broad, often less‑correlated diversification across ETFs, mutual funds, closed‑end funds and selected individual securities to address a wide range of possible economic outcomes. Investment management is implemented under a client‑specific Investment Policy Statement and is generally provided only to clients who engage one of the firm’s three levels of financial planning, with discretionary authority used to execute the IPS.

The firm’s profile is notable for an unusually high assets‑under‑management per advisor, with over $200 million managed by its sole principal, which distinguishes it from many peers in the supported adviser category. The brochure also highlights operational features that stand out, including an affiliated tax‑preparation practice, a formal client portal and custody relationship with a major custodian, and documented business continuity and cybersecurity programs.