MoneySense LLC

Money Sense provides financial planning and education services to individuals, families, and high-net-worth clients, offering targeted consultations and project-based advice across cash flow and debt management, retirement and tax planning, employee benefits optimization, college savings, risk management, estate planning, and investment analysis. Services include limited one‑off consulting sessions with a written summary and a small number of follow-up emails, and the firm does not prepare ongoing account reports or deliver discretionary portfolio management.

The firm’s investment guidance is grounded in Modern Portfolio Theory and typically favors passive, low‑cost index funds and broad asset-class allocations when recommending investment adjustments; in practice the firm analyzes clients’ existing holdings and provides recommendations but does not accept trading authority, custody of client assets, or ongoing portfolio management. The adviser may recommend custodians or platforms when asked but states it receives no third‑party compensation for such recommendations.

Notable differences from many peers include the firm’s use of fixed-session and hourly pricing rather than percentage‑of‑assets fees, and its emphasis on financial education as a separate online offering alongside planning services. The adviser also maintains insurance licenses (without actively selling insurance) and has other small business interests, reflecting a practice oriented toward advice and education rather than acting as a discretionary manager of pooled or institutional assets.