SweetMoney
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
250
20% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
250
Average account size
$0
About
The firm works with individuals and couples across income levels who seek financial planning, counseling and coaching, providing help with budgeting, debt management, savings and major financial decisions. It also offers in‑person and phone consultations, written reports on request, and conducts workshops for employers and educational institutions.
The advisor does not manage or custody client investment accounts and provides guidance on investing—favoring well‑diversified, low‑cost mutual funds for long‑term goals and liquid savings vehicles for short horizons—while considering age, risk tolerance and time horizon. Clients are billed for time on an hourly, sliding‑scale basis rather than by a percentage of assets, and the practice emphasizes education, annual checkups and referrals to third‑party managers for clients who want active management.
Distinctively for a solo independent firm, the practice serves an unusually large client base (around 400 clients) while deliberately foregoing portfolio management, discretionary authority and custody. The offering centers on counseling around emotional and communication issues in money matters, avoids commissions or referral fees, and supplements one‑on‑one work with institutional and workplace financial education.
Client services
Financial planning
Expertise
Debt management
Cash flow / budgeting
Demographic focus
Values-based investing
Fee options
$200/hour up to $150,000 gross income; $350/hour for $150,000 and over gross income
Fee-only: $200 per hour for clients with gross income up to $150,000/year; $350 per hour for clients with gross income $150,000 and over
Main office location
SweetMoney
Greenfield MA, United States
Number of offices
1
Most active in
SweetMoney has reported serving >5 clients in these states in the last 12 months.
Massachusetts
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")