Monetary Solutions provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions. Financial planning was provided to 1–10 clients last fiscal year.
Monetary Solutions reports 125 clients. They include 85 individual clients, 38 high-net-worth individuals and 1 charitable organization. Of its assets, 100.0% ($140M across 278 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 68% | 21% |
| High-net-worth individuals | 30% | 77% |
| Charitable organizations | <1% | <1% |
| Corporations and other businesses | <1% | 1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 85 | $29M | 20.7% | $341K |
| High-net-worth individuals | 38 | $108M | 77.4% | $2.84M |
| Charitable organizations | Fewer than 5 | $1.07M | 0.8% | $1.07M |
| Corporations and other businesses | Fewer than 5 | $1.55M | 1.1% | $1.55M |
| Total | 125 | $140M | 100% | — |
- Clients
- 85
- Regulatory AUM
- $29M
- AUM share
- 20.7%
- Avg. per client
- $341K
- Clients
- 38
- Regulatory AUM
- $108M
- AUM share
- 77.4%
- Avg. per client
- $2.84M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.07M
- AUM share
- 0.8%
- Avg. per client
- $1.07M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.55M
- AUM share
- 1.1%
- Avg. per client
- $1.55M
Total
- Clients
- 125
- Regulatory AUM
- $140M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Monetary Solutions charges 0.60%–1.10% a year for its Advisory Service Agreement. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable, has a $150 annual minimum and requires an account of at least $13,600. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$250K | 1.10% |
| $250K–$500K | 0.85% |
| $500K and above | 0.60% |
Fee details and sources
Other fees
- Hourly Planning Engagements
- Limited-scope hourly planning is billed at $275 an hour in quarter-hour increments.
James Hobbs owns 25% to 50% of Monetary Solutions. The leadership team of Monetary Solutions includes President Toby Huelsman and Chief Compliance Officer Brian Walker. It has 2 employees.
Leadership
- Toby HuelsmanVice President
- Brian WalkerPresident and Chief Compliance Officer
- Anthony ColussiMember
- James HobbsMember/Secretary & Treasurer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 2 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 25% to 50% of Monetary Solutions, LTD.
James Hobbs
Control person · since January 2004
- Owns 25% to 50% of Monetary Solutions, LTD.
Anthony Colussi
Control person · since January 2011
- Owns 25% to 50% of Monetary Solutions, LTD.
Brian Walker
Control person · since January 2018
- Owns 25% to 50% of Monetary Solutions, LTD.
Toby Huelsman
Control person · since December 2021
Monetary Solutions’ regulatory assets grew from $113M (April 2021) to $140M (August 2026); clients fell from 133 to 125 and employees were 2 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| August 2026 | $140M | 125 | 2 | 1 |
| January 2025 | $141M | 129 | 1 | 1 |
| February 2024 | $128M | 142 | 2 | 1 |
| February 2023 | $117M | 137 | 2 | 1 |
| February 2022 | $128M | 140 | 2 | 1 |
| April 2021 | $113M | 133 | 2 | 1 |
Besides its headquarters, Monetary Solutions has 0 offices, with 1 listed address in Ohio.
Ohio · 1 listed address
- 3066 Kettering BLVD, DaytonHQ
Contact and registration details
- Legal name
- Monetary Solutions, LTD.
- Headquarters
- 3066 Kettering BLVD, Dayton, OH 45439
- Website
- monetarysolutions.com
- Phone
- 937-297-1140
- SEC file
- 801-120450
- Structure
- Ohio LLC
- Fiscal year end
- December
Monetary Solutions uses Charles Schwab ($140M) as custodian for its separately managed accounts. Monetary Solutions does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $140M100%
At year end, Monetary Solutions’ separately managed accounts were mostly in funds (68%) and stocks (16%). Its reported 13F holdings for the quarter ended 30 June 2026 total $116M across 397 positions; the largest are Schwab US Dividend Equity ETF (10.7%), Schwab U.S. Mid-cap ETF (8.8%) and Schwab U.S. Large-cap ETF (7.7%).
What the accounts hold
- Stocks16%
- Funds68%
- Bonds5%
- U.S. government and agency bonds3%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash12%
Reported 13F holdings
- $116M
- Reported 13F value
- 397
- Positions
- 58.8%
- In the 10 largest
- +12.2%
- Value vs. prior quarter
- Schwab US Dividend Equity ETFETF10.7%
- Schwab U.S. Mid-cap ETFETF8.8%
- Schwab U.S. Large-cap ETFETF7.7%
- iShares Floating Rate Bond ETFETF6.7%
- Schwab U.S. Small-cap ETFETF6.6%
- Schwab U.S. Large-cap Growth ETFETF4.0%
- Apple Inc.3.9%
- JPMORGAN Chase & CO3.8%
- State Street SPDR Bloomberg Short Term High Yield Bond ETFETF3.5%
- Vanguard Mid-cap Value ETFETF3.0%
Together, the ten largest are 58.8% of reported value.
How many clients does Monetary Solutions have?
Monetary Solutions has 125 clients and manages $140 million for them, as of August 2026. They include 85 individual clients, 38 high-net-worth individuals and 1 charitable organization.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 18 August 2026
What services does Monetary Solutions offer?
Monetary Solutions provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Monetary Solutions charge?
Monetary Solutions charges 0.60%–1.10% a year for its Advisory Service Agreement. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable, has a $150 annual minimum and requires an account of at least $13,600.
Which custodians does Monetary Solutions use?
Monetary Solutions’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $140M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 18 August 2026
How many financial advisors does Monetary Solutions have?
Monetary Solutions has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Monetary Solutions invest in?
At the end of its last fiscal year, Monetary Solutions’ separately managed accounts held 68% registered funds (mutual funds, ETFs, BDCs), 16% exchange-traded equities, 12% cash and equivalents, 3% U.S. government and agency bonds, 1% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Monetary Solutions have a minimum investment?
Yes, Monetary Solutions’ minimum account size for its Advisory Service Agreement is $13.6K. It charges a $150 annual minimum fee.
Who owns Monetary Solutions?
Monetary Solutions’ direct owners are James Hobbs, Anthony Colussi, Brian Walker and Toby Huelsman, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 18 August 2026
How does Monetary Solutions get paid?
Monetary Solutions is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Monetary Solutions?
Monetary Solutions’ main office is at 3066 Kettering BLVD, Dayton, OH 45439. Its phone number is 937-297-1140. Its website is monetarysolutions.com.