ConservativeMoney LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$9,140,314
This total excludes 2 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
15
27% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
15
LowAverage account size
$609,354
About
Conservativemoney LLC provides investment management and retirement-planning services to individuals, IRAs, trusts and variable annuities, and also works with pension and profit-sharing retirement plans and charitable organizations. The firm offers ERISA-related consulting and retirement income guidance, including Social Security and required minimum distribution matters, and holds related certificates in Social Security and ERISA best practices.
The firm follows an active tactical asset-allocation approach that combines technical, cyclical, and seasonal analysis and implements a single model portfolio across client accounts. Portfolios may move between long, short, and cash positions and can involve frequent trading; the firm may exercise limited discretionary trading authority for non-ERISA accounts while providing non-discretionary model-portfolio notifications to plan trustees for ERISA-covered plans.
Noteworthy features for a firm of this size include its client mix that explicitly includes charitable organizations and retirement plans, an uncommon combination among independent advisers, and the use of a unified model portfolio rather than individualized allocations. The firm operates with a compact structure and uses an online custody/trading platform that executes aggregated “window” trades and fractional-share orders, and the managing member’s separate insurance licensure is disclosed as a potential additional source of compensation.
Client services
Portfolio management
Expertise
Retirement income strategy
Social Security optimization
Active portfolio management
General retirement planning
Income planning
Occupation focus
Founder/Business Owner
Fee options
Flat fee billing of 0.80% annually; also flat monthly or quarterly advisory fees negotiated for ERISA plans
$0 - $100,000: 1.2% annually $100,001 - $250,000: 1.0% annually $250,001 - $500,000: 0.70% annually $500,001+: 0.50% annually
Hourly consulting rate with predetermined maximum hour and dollar amount
Pre-determined flat monthly or quarterly advisory fee (retainer) negotiated for ERISA plans
Fee-only: Fee-only compensation; no commissions accepted
Main office location
ConservativeMoney LLC
1315 W 76 Th Street
Cleveland OH 44102-2030, United States
Number of offices
1
Most active in
ConservativeMoney LLC has reported serving >5 clients in these states in the last 12 months.
Ohio
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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