Money Management Concepts Inc.

Money Management Concepts, Inc. provides discretionary and non‑discretionary investment management to individuals — including high‑net‑worth clients — as well as trusts and estates, managing roughly $119.6 million across about 90 client relationships. The firm also may serve charitable organizations and business entities and gathers suitability information to tailor portfolios to each client’s objectives.

The firm’s investment process combines fundamental analysis with technical/charting and cyclical analysis and applies both long‑ and short‑term strategies; its stated trading toolkit includes short sales, margin transactions, and option writing. Portfolios are constructed from client suitability information, monitored on an ongoing basis, and reviewed at least annually, with clients able to grant discretionary authority or retain approval over trades.

Noteworthy for a two‑adviser firm, Money Management Concepts explicitly employs a broad set of active trading techniques and uses prime‑brokerage/trade‑away arrangements to access execution across multiple brokers while settling at its recommended custodian. The firm has operated since 1993, discloses receipt of institutional services and research from its custodian, and documents controls around limited custody/disbursement arrangements and a practice of not voting client proxies.