# Maley Financial Planning

Maley Financial Planning is a RIA based in United States.

## Overview

- **Organization type:** RIA
- **Headquarters:** United States
- **Region:** North America
- **Assets under management:** Undisclosed
- **Website:** maleyfinancialplanning.com

## Regulatory record

- **CRD number:** 139272
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/139272

## About

Maley Financial Planning is a state-registered investment adviser with approximately $2 million in regulatory assets under management. The firm advises clients on investment strategies. It is subject to SEC oversight.

## People

- Michael Maley — Founder & President

## Questions

### How is Maley Financial Planning compensated?

The firm operates on a fee-only basis, charging clients a percentage of assets under management or a fixed retainer for financial planning. The practice does not accept commissions, referral fees, or revenue-sharing from product providers — a compensation model that eliminates the conflict of interest common among commission- and fee-based competitors.

### Where are client assets custodied?

Maley Financial Planning uses an independent third-party custodian to hold client accounts. The firm does not take physical custody of client funds or securities, a structural safeguard that separates advisory authority from asset possession and is standard among fiduciary-minded RIAs seeking to minimize client risk.

### Does the firm manage alternative investments or private funds?

The practice concentrates on publicly traded securities — primarily ETFs and mutual funds — across core asset classes. Maley Financial Planning does not sponsor or manage private equity, venture capital, hedge fund, or direct real estate vehicles, keeping the investment palette aligned with liquid, transparent, and low-cost strategies appropriate for its retail and high-net-worth client base.

### What distinguishes Maley Financial Planning from a wirehouse brokerage team?

The primary distinction is regulatory and fiduciary. As a fee-only RIA, the firm owes clients an ongoing fiduciary duty under the Investment Advisers Act of 1940, whereas wirehouse brokers operate under Regulation Best Interest, a standard that permits certain conflicts. Additionally, Maley Financial Planning's compensation derives entirely from client-paid fees — not product commissions, sales contests, or proprietary fund incentives — aligning advisor revenue with client outcomes.

## Related profiles

- [MGH Asset Management](https://altss.com/profile/mgh-asset-management)
- [JMH Wealth Management](https://altss.com/profile/jmh-wealth-management-llc)

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Last updated: 2026-06-03T20:00:00.000Z

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