MNM Vested, LLC

MNM Vested provides financial planning and counseling services to individual clients, covering savings and goals analysis, asset allocation, investment advice, insurance review, estate and retirement planning, education planning, and income tax preparation and planning. The firm delivers ongoing advisory services and does not act as a custodian or directly manage client assets, instead offering advice on assets under advisement.

The investment approach is grounded in Modern Portfolio Theory, favoring diversified allocations across equities, bonds and real estate and recommending mutual funds and broad‑index ETFs with a buy‑and‑hold orientation that prioritizes matching risk tolerance to life circumstances. MNM Vested monitors asset allocation and will implement trades only with client authorization or with limited trading authorization for accounts held at a chosen custodian.

Distinctive operational features include a fee‑only model that declines commissions and an in‑house income tax preparation practice with the ability to represent taxpayers before the IRS—services that are not commonly bundled at similarly sized independent advisers. The firm also provides small‑business planning, reports work as an on‑demand personal financial counselor for military service members through a third‑party engagement, and uses an institutional trading and research platform at Charles Schwab to support client implementations when clients elect that custodian.