Money Compass Advisors

Money Compass Advisors provides investment management and financial planning to individuals, high‑net‑worth clients, trusts, estates, charitable organizations, and business entities. The firm implements model portfolios through unaffiliated sub‑advisors and also offers standalone and ongoing financial planning, including retirement‑account advice where it acts in a fiduciary capacity.

The firm typically recommends model portfolios managed by third‑party sub‑advisors and retains oversight and discretionary authority to select, monitor, and replace those sub‑advisors as needed; it also uses a third‑party platform to manage held‑away employer plan and education accounts. Investment decisions draw on fundamental, technical, charting, and cyclical analysis, with accounts reviewed at least quarterly for rebalancing and tax‑loss harvesting opportunities.

Noteworthy features include the firm’s reliance on sub‑advisors to execute trades and bill fees through custodians, and the use of an external platform to manage held‑away retirement plan assets (for which the firm charges a separate platform fee). The firm does not vote client proxies (clients receive and vote their own proxy materials), receives custodial and research benefits through its custodian relationships, and maintains a business continuity plan that addresses key‑person risk while overseeing a relatively small client base with roughly $10.5 million in regulatory assets under management.