Your Money Matters Wealth Management, LLC

Your Money Matters Wealth Management, LLC provides personalized financial planning and discretionary portfolio management to individuals and trusts. The firm manages a very small client base (five clients) with $1,379,148 in discretionary assets and offers financial planning on a negotiable fixed‑fee or hourly basis while also arranging third‑party money manager relationships when appropriate.

Investment decisions are made on a discretionary basis and guided by documented client objectives, time horizons, and risk tolerances, using methods that include fundamental, technical, and cyclical analysis and a range of strategies from long‑term purchases to shorter‑term trading and options where suitable. The firm also recommends, places clients with, and monitors third‑party money managers and provides ongoing oversight and reporting for those relationships; it discloses that it may receive referral or ongoing fees from those managers.

What is distinctive about the firm is its small scale and client mix — no high‑net‑worth clients are reported and there is no account minimum — combined with an outside insurance business: the managing member spends substantial time as an insurance agent and is affiliated with entities that sell financial insurance products, a relationship the brochure identifies as a potential conflict of interest. The firm’s use of paid referral arrangements with third‑party managers and the managing member’s concurrent insurance activities are notable differences from many peers in this category.