MJC Financial Fitness LLC

The firm provides financial planning and investment management to individual clients through a combined "Holistic Financial Fitness" offering as well as standalone investment management and project-based financial coaching. Services include comprehensive planning analyses (cash flow, retirement, insurance, college, estate) and ongoing portfolio supervision tailored to each client’s goals.

The firm develops client-specific investment policy statements and uses fundamental analysis to construct portfolios, while also employing third‑party managers and digital investment platforms (including Envestnet, Betterment, and Altruist) when appropriate. Accounts are reviewed periodically (quarterly) and the adviser monitors plans throughout the year, with the ability for clients to impose reasonable investment restrictions and to receive periodic performance reviews.

Noteworthy features include the firm’s small scale—managing roughly $1.8 million for a limited client roster—which supports a project‑based coaching option and fixed‑price planning packages alongside asset‑based management. The firm is fee‑only, discloses that it receives client referrals from lead‑generation/solicitor arrangements (including SmartAsset), and uses a mix of robo/advisor and traditional custodial relationships; it also does not vote client proxies and generally does not take custody beyond fee withdrawal.