Mutual Advantage, LLC

Mutual Advantage, LLC provides fee-only comprehensive financial planning and related services to middle- to high-income individuals and families. Services described in the brochure include ongoing multi-year financial planning agreements, one-time financial fitness assessments, college-planning engagements, and tax planning and tax return preparation offered to clients who maintain an ongoing planning relationship.

The firm’s investment guidance is grounded in a market‑efficient, buy‑and‑hold philosophy and emphasizes broadly diversified no‑load mutual funds, ETFs, U.S. government and corporate bonds for long- and short-term needs while seeking to manage tax consequences. The adviser does not custody client assets or execute trades on clients’ behalf and does not provide individualized trading in stocks, commodities, cryptocurrencies, options, or futures; clients are responsible for implementing suggested changes.

Distinctive features noted in the brochure include a flat annual fee model rather than percentage‑of‑AUM billing and an explicit lack of discretionary portfolio management or custody of client assets, both of which are uncommon among independent advisors. The firm also integrates tax services (including electronic filing for planning clients), holds tax and planning credentials and membership in the Alliance of Comprehensive Planners, and—while stating it does not pay for advertising and relies on referrals—uses client testimonials in outreach.