MtM Financial Group provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, publishing newsletters, and educational seminars. Financial planning was provided to 3,000 clients last fiscal year.
MtM Financial Group reports 3,276 clients. They include 3,259 individual clients, 14 high-net-worth individuals and 3 charitable organizations. Of its assets, 100.0% ($772M across 3,276 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 99% | 89% |
| High-net-worth individuals | <1% | 10% |
| Charitable organizations | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 3,259 | $689M | 89.3% | $211K |
| High-net-worth individuals | 14 | $78.4M | 10.2% | $5.6M |
| Charitable organizations | Fewer than 5 | $4.18M | 0.5% | $1.39M |
| Total | 3,276 | $772M | 100% | — |
- Clients
- 3,259
- Regulatory AUM
- $689M
- AUM share
- 89.3%
- Avg. per client
- $211K
- Clients
- 14
- Regulatory AUM
- $78.4M
- AUM share
- 10.2%
- Avg. per client
- $5.6M
- Clients
- Fewer than 5
- Regulatory AUM
- $4.18M
- AUM share
- 0.5%
- Avg. per client
- $1.39M
Total
- Clients
- 3,276
- Regulatory AUM
- $772M
- 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
- 3000
MtM Financial Group charges 1.00%–2.00% a year for its Investment Supervisory Services. The fee is billed in arrears and is negotiable. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning (Fixed Fee)
- Financial plans carry a fixed fee of $495 to $1,995, negotiable, paid in arrears on completion.
- Financial Planning (Hourly)
- Hourly financial planning fees are $245 to $485 an hour, nonnegotiable, paid in arrears.
Gene Dickison owns 50% to 75% of MtM Financial Group. The leadership team of MtM Financial Group includes President Mark Belcak, Chief Operating Officer Chad Rupprecht and Chief Financial Officer Gene Dickison. It has 16 employees, 9 of them in advisory roles.
Staff
- 16 employees
- 9 in advisory functions
- 8 state-registered reps
- 1 broker-dealer rep
- 1 insurance agent
- Owns 50% to 75% of MTM Financial Group, LLC
Gene Dickison
Control person · since January 2025
- Owns 10% to 25% of MTM Financial Group, LLC
Mark Belcak
since January 2025
- Owns 10% to 25% of MTM Financial Group, LLC
Chad Rupprecht
Control person · since January 2025
- Owns 10% to 25% of MTM Financial Group, LLC
Diane Dickison
Control person · since January 2025
MtM Financial Group’s regulatory assets grew 2.5× from $312M (July 2021) to $772M (August 2026); clients rose from 736 to 3,276 and employees from 9 to 16.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Aug 2026August 2026 | $772M | 3,276 | 16 | 2 |
| Jan 2025January 2025 | $621M | 1,212 | 10 | 1 |
| Feb 2024February 2024 | $488M | 1,249 | 10 | 1 |
| Mar 2023March 2023 | $378M | 879 | 10 | 1 |
| Mar 2022March 2022 | $367M | 826 | 9 | 1 |
| Jul 2021July 2021 | $312M | 736 | 9 | 1 |
Besides its headquarters, MtM Financial Group has 1 office, with 2 listed addresses in 1 state.
Pennsylvania · 2 listed addresses
- 4505 Hanoverville Road, BethlehemHQ
- 5109 Neola Road, Stroudsburg
Contact and registration details
- Legal name
- MTM Financial Group, LLC
- Headquarters
- 4505 Hanoverville Road, Bethlehem, PA 18020
- Website
- morethanmoneyonline.com
- Phone
- 610-746-7007
- SEC file
- 801-97342
- Structure
- Pennsylvania LLC
- Fiscal year end
- December
MtM Financial Group’s named custodian for separately managed accounts is Charles Schwab ($572M). MtM Financial Group has custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $572M100%
At year end, MtM Financial Group’s separately managed accounts were mostly in funds (77%). Its reported 13F holdings for the quarter ended 30 June 2026 total $233M across 95 positions; the largest are Vanguard Specialized Funds (13.7%), Innovator ETFS Trust (11.6%) and Invesco Qqq TR (8.0%).
What the accounts hold
- Stocks4%
- Exchange-traded equities3%
- Non-exchange-traded equities1%
- Funds77%
- Bonds3%
- U.S. government and agency bonds1%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash7%
- Other9%
- Structured notes9%
How many clients does MtM Financial Group have?
MtM Financial Group has 3,276 clients and manages $772 million for them, as of August 2026. They include 3,259 individual clients, 14 high-net-worth individuals and 3 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 19 August 2026
What services does MtM Financial Group offer?
MtM Financial Group provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, publishing newsletters, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does MtM Financial Group charge?
MtM Financial Group charges 1.00%–2.00% a year for its Investment Supervisory Services. The fee is billed in arrears and is negotiable.
Source: ADV FORM 2A - MTM FINANCIAL GROUP, LLC, filed 19 August 2026
Which custodians does MtM Financial Group use?
MtM Financial Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $572M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 19 August 2026
How many financial advisors does MtM Financial Group have?
MtM Financial Group has 8 investment adviser representatives registered with state securities authorities, out of 16 employees, and 9 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does MtM Financial Group invest in?
At the end of its last fiscal year, MtM Financial Group’s separately managed accounts held 77% registered funds (mutual funds, ETFs, BDCs), 9% other, 7% cash and equivalents, 3% exchange-traded equities, 1% non-exchange-traded equities, 1% U.S. government and agency bonds, 1% state and local bonds and 1% investment grade corporate bonds. The 9% other category is described as: Structured Notes.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns MtM Financial Group?
MtM Financial Group’s direct owners are Gene Dickison (50% to 75%), Mark Belcak (10% to 25%), Chad Rupprecht (10% to 25%) and Diane Dickison (10% to 25%).
Source: Form ADV Part 1A, Schedules A and B, filed 19 August 2026
How does MtM Financial Group get paid?
MtM Financial Group 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 MtM Financial Group?
MtM Financial Group’s main office is at 4505 Hanoverville Road, Bethlehem, PA 18020. Its phone number is 610-746-7007. Its website is morethanmoneyonline.com.