Money Ora Plan delivers personalized financial planning, loan consulting, insurance advisory, and retirement strategies — empowering Americans to make smarter money decisions and secure lasting prosperity.
Money Ora Plan has been helping families, professionals, and businesses navigate the complexities of modern finance for nearly three decades.
Founded in Johnston, Rhode Island, we began as a small family-run advisory practice with a singular mission: to make Money Ora Plan accessible to everyday Americans. Today, our network of certified financial planners, insurance specialists, and loan consultants serves clients across all 50 states, managing over $2.5 billion in assets under advisement.
Our team holds the highest credentials in the financial industry, including CFP®, CFA, and CIC designations. We believe that true financial wellness isn't about getting rich quick — it's about building sustainable, long-term wealth through disciplined planning, informed decision-making, and a deep understanding of your personal goals and values.
Whether you're planning for retirement, navigating a major life transition, seeking the right insurance coverage, or looking for optimal financing solutions, we provide unbiased, fiduciary advice that puts your interests first. Our fee-transparent model means you'll never encounter hidden costs or conflicted recommendations — just honest, straightforward financial guidance that empowers you to take control of your financial destiny.
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The principles that guide every financial strategy we craft and every client relationship we nurture.
To create a financial landscape where every American family has access to world-class, unbiased financial guidance regardless of their net worth or background. We envision a nation where financial literacy is universal, where retirement is secure, where insurance protects rather than exploits, and where every individual possesses the confidence and knowledge to make informed financial decisions that create lasting generational wealth. Money Ora Plan strives to be the catalyst that transforms this vision into reality.
To deliver personalized, fiduciary-first financial advisory services that prioritize client outcomes above all else. We are committed to continuous education for our advisors, leveraging cutting-edge financial technology, and maintaining the highest ethical standards in every interaction. Our mission is executed through transparent fee structures, comprehensive financial planning, proactive risk management, and an unwavering dedication to building long-term relationships grounded in trust, integrity, and measurable results that exceed our clients' expectations.
Six pillars of excellence that set us apart in the financial advisory industry.
We are legally bound to act in your best interest at all times. Our fiduciary commitment means zero conflicts of interest, zero commission-based recommendations, and 100% transparency in everything we do.
From investment management to tax optimization, estate planning to debt reduction, we create holistic financial blueprints that address every dimension of your financial life with precision and expertise.
No hidden fees, no surprise charges, no confusing commission structures. Our straightforward pricing model ensures you know exactly what you're paying for and why — building trust from day one.
Our advisors hold CFP®, CFA, and CIC certifications with an average of 15+ years of industry experience. We invest heavily in continuous education so you always receive the most current, evidence-based advice.
State-of-the-art portfolio management tools, real-time market analytics, AI-powered retirement calculators, and a secure client portal give you unprecedented visibility into your financial journey 24/7.
Every client receives a dedicated relationship manager who knows your goals, monitors your progress, and is always just a phone call away. We don't just manage portfolios — we build lasting partnerships.
Four proven steps that transform financial uncertainty into confident, strategic action.
Discover your financial goals in a no-obligation session
Comprehensive analysis of your current financial picture
Tailored financial plan designed for your unique goals
Continuous monitoring, adjustments, and growth optimization
Flexible advisory packages designed to match your financial needs and budget.
Four core service pillars designed to cover every aspect of your financial journey and secure your future.
Our comprehensive financial planning services create a personalized roadmap for your financial future. We analyze your income, expenses, assets, liabilities, and goals to build a holistic strategy that encompasses budgeting, savings optimization, investment allocation, tax efficiency, and risk management. Every plan is dynamic, evolving with your life circumstances to ensure you're always on track toward financial independence and long-term wealth accumulation.
Explore ServiceNavigating the loan landscape can be overwhelming. Our personal loans consulting service cuts through the complexity to find you the optimal financing solution. Whether you need a mortgage refinance, auto loan, debt consolidation, or personal line of credit, we compare rates across dozens of lenders, negotiate on your behalf, and ensure you understand every term and condition. We've helped thousands of clients save thousands in interest costs.
Explore ServiceProper insurance coverage is the bedrock of financial security. Our insurance consultants conduct thorough needs analyses to ensure you have the right protection without overpaying. We review life insurance, health insurance, disability coverage, long-term care, umbrella policies, and property insurance. As independent consultants, we're not tied to any single carrier, which means we shop the entire market to find the best coverage at the most competitive rates for your unique situation.
Explore ServiceYour retirement deserves more than a generic 401(k) contribution — it deserves a strategic, comprehensive plan. Our retirement planning service projects your future needs, optimizes your Social Security timing, maximizes tax-advantaged accounts, creates sustainable withdrawal strategies, and incorporates healthcare cost projections. Whether you're just starting your career or five years from retirement, we build a plan that ensures you can enjoy the retirement you've worked so hard to earn, without financial stress or uncertainty.
Explore ServiceTake the first step toward financial clarity. Our team will reach out within 24 hours.
Real stories from real Americans who transformed their financial futures with us.
Money Ora Plan helped us consolidate $85,000 in debt and create a realistic payoff plan. Within 18 months, we were debt-free. Their patience and expertise gave us hope when we had none. Absolutely life-changing service.
I was overwhelmed by retirement options until I met my advisor here. They created a comprehensive plan that projected my retirement income for 30 years. I finally sleep well knowing my future is secured. Highly recommend their retirement planning.
Their insurance consulting saved us over $3,200 annually while actually increasing our coverage. They found gaps in our policies we never knew existed and secured better rates from multiple carriers. Professional, thorough, and genuinely caring.
As a small business owner, I needed someone who understood both personal and business finance. Money Ora Plan delivered on every front. They helped me restructure my business loans and set up a robust retirement plan for my employees.
After my divorce, I was starting from scratch financially. My advisor created a complete financial plan that included budgeting, investing, insurance, and even college savings for my kids. They made me feel empowered instead of overwhelmed. Forever grateful.
I've worked with three different financial firms before finding Money Ora Plan. The difference is night and day — they actually listen, they're transparent about fees, and their investment strategy has consistently outperformed my expectations. This is the real deal.
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.
Join 8,500+ Americans who trust Money Ora Plan to build wealth, reduce debt, and secure their retirement.
Schedule Your Free ConsultationReach out to our team — we're here to answer questions, schedule consultations, or provide free financial guidance.
1880 Hartford Ave, Johnston, Rhode Island 02919, USA
Mon–Fri: 8:30 AM – 5:30 PM · Sat: 9:00 AM – 1:00 PM