Answers to the questions
we hear most often.

Momentum Wealth Planning is an independent, fee-only investment advisory firm. Our core service is tactical, risk-managed investment management through our Tactical Momentum Strategy. Financial planning is available separately, at no additional cost, for clients who engage us for it.

The first step is a conversation. We'll discuss your financial goals, risk tolerance, and how our approach may fit your situation. No pressure, no obligation — just a chance to see if we're the right fit for each other.

Schedule a Conversation →

Our office is based in Estero, FL, but we work with clients across the country. Most of our communication happens through virtual meetings, phone consultations, and our online client portals. Geography is not a limitation.

Please reach out to discuss your situation. We evaluate each prospective client relationship individually based on the complexity of your needs and the scope of services required.

We charge an asset-based fee for investment advisory services, billed monthly. This fee will never exceed 1% of assets under management annually. There are no hidden fees, no commissions, and no transaction charges from us.

Full fee details are available in our Form ADV Part 2A.

We use Charles Schwab as our custodian. Your money is held directly at Schwab — we never take custody of client funds. You'll have full access to your accounts through Schwab's platform at all times.

We manage most common account types, including but not limited to:

• Individual and joint taxable accounts
• Traditional and Roth IRAs
• Rollover IRAs (401k rollovers)
• Trust accounts
• Inherited / Beneficiary IRAs

Our Tactical Momentum Strategy seeks to participate in market growth during favorable conditions while aiming to reduce the impact of significant downturns. We use trend analysis across multiple timeframes and options-based risk management strategies — including protective puts and covered calls — to help manage downside exposure.

Learn more about our strategy →

We offer four portfolio models depending on your risk tolerance and goals:

• Balanced — ~80% equity, ~20% fixed income
• Moderately Aggressive — 100% equity with momentum focus
• Aggressive — 100% equity with a larger allocation to momentum
• Income — ~80% equity, ~20% fixed income with covered call income strategy

View portfolio details →

We use three primary tools: protective put options that seek to establish a floor beneath your portfolio, covered call options that aim to generate income and reduce cost basis, and tactical cash positioning where we have the flexibility to reduce equity exposure when our trend analysis signals deteriorating conditions.

It depends on market conditions. During stable, trending markets, we may make relatively few adjustments. When conditions change — such as a shift in the long-term trend — we adjust more actively. Our approach is systematic and rules-based, not reactive or emotional.

Financial planning isn't part of every relationship — it's available to clients who engage us for it, at no additional cost. For those clients, it includes a personal financial dashboard in RightCapital — link your accounts, track your net worth, and see your full financial picture in one place — plus retirement planning and coordination with your other financial professionals, tax preparers, attorneys, etc.

Yes — for clients who engage us for financial planning, we help with retirement income projections, Social Security timing strategies, withdrawal sequencing across account types, and healthcare cost planning. We use RightCapital to model different scenarios so you can see how your plan holds up.

We provide regular updates through monthly newsletters, market commentary, and performance reports. We also conduct personal review meetings to discuss your portfolio and any changes in your financial situation. You can always reach out to us directly — we don't hide behind a call center.

As a registered investment adviser, we are held to a fiduciary standard. That means we are legally obligated to act in your best interest and not put our interests ahead of yours. You can review our regulatory filings, including our Form CRS and Form ADV Part 2A, for full details on our services, fees, and obligations.