Money Evolution

Money Evolution

Money Evolution was founded in 2009 in Bloomfield Hills, Michigan, by Bill Lethemon, a Michigan State finance graduate who started his career as Merrill Lynch’s financial planning coordinator for its Dearborn office. Lethemon launched the firm after a 16-year run in wealth management, carrying forward a conviction formed early — that a comprehensive plan, not a portfolio of products, is what changes a retiree’s life. The practice today runs from a single location in Oakland County, serving clients across the states where Lethemon holds securities and insurance licenses. The firm’s planning process threads together income, taxes, Social Security, Medicare, and investments into a unified retirement strategy built inside eMoney’s planning software. Lethemon delivers two service tiers: the Money Evolution Plan, a four-meeting comprehensive engagement covering investment management and advanced tax strategy, and the Retirement Time Machine, a planner-coached program that keeps the client actively involved in their own strategy. The practice does not pool client capital into proprietary funds or private vehicles; instead, advisory assets are custodied at LPL Financial, where Lethemon executes securities and advisory services. Insurance product placement — limited to Florida, Massachusetts, Michigan, Texas, and Washington — adds annuity and risk-management layers when a plan calls for guaranteed income. The firm discloses no AUM or advisor headcount. Lethemon remains the sole named professional, and the website’s direct booking link — a call with Bill — confirms the practice is an owner-operated RIA. Licensing records show securities coverage across 22 states, with a narrower insurance footprint. The firm’s compliance language confirms a relationship with LPL Financial for brokerage and advisory custody. No adjacent vehicles — no philanthropic foundation, no real-asset arm, no operating company — appear in the footprint. Money Evolution’s structure is the differentiator: a single-advisor RIA where the founder personally constructs every plan and retains asset-custody independence through LPL. There is no advisory team to scale, no investment committee to navigate, and no cross-selling mandate. For a retiree who wants the same person designing the tax map, modeling the Social Security election, and running the investment accounts, that architecture makes the firm a purpose-built machine rather than a generalist shop.