Answers to the questions we hear most from prospective and current clients.
A fiduciary advisor is legally obligated to act in your best interest at all times, avoiding conflicts of interest and commission-based recommendations. Traditional advisors may operate under a suitability standard, meaning they only need to recommend products that are "suitable" for you, even if they earn higher commissions. At Money Ora Plan, we operate as fiduciaries — your interests always come first, and our fee structure is completely transparent with no hidden commissions.
Our first consultation is always free. After that, our fees vary based on the service level you choose. Our Essential Plan starts at $149/month, Premium at $349/month, and Wealth at $699/month. We also offer one-time project-based pricing for specific needs like retirement planning or estate planning. During your free consultation, we'll recommend the plan that best fits your needs and budget with full transparency about what you'll pay.
No minimum asset requirement. We believe quality financial guidance should be accessible regardless of your current net worth. Whether you're just starting your career with $10,000 in savings or managing a multi-million dollar portfolio, our team provides the same level of dedication and expertise. Smart financial planning is most impactful when started early, and we welcome clients at every stage of their financial journey.
Our loan consulting team analyzes your current debt situation, credit profile, and financial goals to recommend the optimal path forward. We compare rates across dozens of lending institutions, negotiate better terms on your behalf, and help you choose between options like debt consolidation, refinancing, or strategic payoff plans. We've helped clients save an average of $4,500 annually through smarter loan structuring and rate optimization.
Absolutely. As independent insurance consultants, we're not tied to any single carrier. We conduct comprehensive needs analyses covering life insurance, health insurance, disability coverage, long-term care, umbrella policies, and property insurance. We then shop the entire market to find the best combination of coverage and value for your unique situation. Most clients save 15-30% on their premiums while gaining better protection.
Our retirement planning process begins with a detailed projection of your lifestyle needs in retirement, factoring in inflation, healthcare costs, and life expectancy. We then optimize your retirement accounts (401(k), IRA, Roth), time your Social Security benefits for maximum income, create a sustainable withdrawal strategy, and incorporate tax-efficient distributions. Our proprietary retirement calculator models thousands of scenarios to give you confidence in your retirement outlook.
Yes! Our Wealth Plan includes comprehensive business financial advisory services. We help small business owners with cash flow management, business loan structuring, employee benefit plans, retirement plans for businesses (SEP IRA, SIMPLE IRA, 401(k)), and separation of personal and business finances. We also assist with succession planning and exit strategies for business owners looking to sell or pass on their businesses.
Getting started is simple and obligation-free. Call us at (888) 208-7517, email info@moneyoraplan.com, or use the booking form on our website to schedule a free initial consultation. During this 60-minute session, we'll discuss your financial goals, assess your current situation, and recommend a personalized approach. There's no pressure, no commitment — just honest, expert guidance to help you decide if we're the right fit for your financial journey.