Mature Money Management, Inc

Mature Money Management, Inc. provides personalized financial planning and discretionary investment management to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses. Services listed in the brochure include ongoing portfolio management, written financial plans delivered within stated timeframes, and coordination with other professionals as needed.

The firm implements discretionary investment programs based on each client’s stated objectives and a documented Investment Policy Statement, using fundamental, technical and cyclical analysis and periodic account reviews. It bills for managed accounts on an asset‑based basis and offers financial planning on a fixed or hourly fee basis, with client assets held at qualified custodians and statements delivered directly to clients.

The firm’s principal maintains a longstanding, affiliated insurance practice and spends approximately 30% of their time on those activities; the brochure discloses that commissions and referral arrangements can create conflicts of interest that are mitigated by disclosure, fiduciary obligations, and clients’ ability to use other providers. The firm also refers clients to third‑party money managers and shares in referral fees, and it manages a relatively small client base (18 clients) with about $10.2 million in assets, which may result in more direct advisor involvement than larger firms.