Moneywise, Inc.

Moneywise, Inc. is a state-registered, independent advisory firm that provides discretionary portfolio management and coordinated or limited financial planning to individuals, high-net-worth clients, qualified retirement plans, and small businesses. The firm develops a written Investment Policy Statement with each client and manages accounts on a discretionary basis, while offering written or verbal financial planning reports for select engagements.

The firm’s investment process emphasizes asset allocation and mutual fund/ETF selection using fundamental analysis and Morningstar screening, with a mix of long-term and shorter-term trading strategies and quarterly portfolio reviews. Moneywise may retain third‑party subadvisers when appropriate and has an arrangement to use Fidelity Institutional Wealth Adviser model portfolios (via a subadviser) for certain client accounts at no additional charge.

What is distinctive about the firm is the principal’s non‑traditional professional background as a licensed dentist who also holds CFP credentials, combined with a long-established solo practice managing roughly $36 million for about 42 clients — a client roster and AUM profile that produces higher assets per client than many solo independents. The brochure also discloses reciprocal referral activity with a related CPA firm, the firm’s direct fee‑debiting practice (resulting in limited custody), a policy not to vote client proxies, and recent operational updates such as SMS message capture and an updated privacy policy that prospective clients may wish to review.