Yes. MCM is required to act in the best interests of its advisory clients.

Yes. MCM does not receive commissions, referral fees, or third-party compensation in connection with advisory services.

Yes, when authorized in writing. Discretionary authority allows MCM to manage investments without seeking approval for each individual transaction, while remaining subject to the client’s objectives, restrictions, and advisory agreement.

Yes. MCM may provide planning and consulting services including retirement planning, cash flow analysis, budgeting, goal setting, education planning, and related financial guidance.

No. MCM does not provide legal or tax advice. Clients should consult independent tax or legal professionals for those matters.

Client assets are held with a qualified custodian. MCM does not maintain physical custody of client assets, though it may be deemed to have custody when clients authorize direct fee deduction.

No. Investing involves risk, including the potential loss of principal. No strategy guarantees profit or prevents loss.

Advisory fees are generally billed monthly in arrears. Clients may authorize fees to be deducted from custodial accounts or may elect to receive invoices and pay directly.