About

Solutions Money Management, LLC: Comprehensive Financial Services for Southwest Florida

Solutions Money Management, LLC is a family-based financial services firm dedicated to providing comprehensive, coordinated financial services for individuals, families, and small businesses throughout Southwest Florida.

Founded and led by Michael Conticelli, CFS®, CDFA®, with over 30 years of financial services experience, our practice operates on a fundamental principle: coordination over compartmentalization. We believe your financial life works best when all the pieces work together—taxes, insurance, divorce planning, and accounting all coordinated seamlessly rather than operating in silos.

OUR FAMILY-BASED APPROACH

Solutions Money Management is intentionally structured as a family enterprise, bringing together complementary expertise across multiple financial disciplines:

This integrated structure ensures clients receive coordinated advice across all financial areas, with seamless communication between services and a unified strategy for your financial success.

SERVICES

Tax Planning & Preparation
Tax strategy shouldn't be an afterthought. We provide year-round tax planning, strategic tax coordination, and prepare individual and business tax returns. Our Quarterly Clarity™ program provides small businesses with ongoing tax coordination, ensuring business owners stay compliant and optimize their tax position throughout the year.

Insurance Coordination
From life and disability insurance to Medicare navigation and long-term care planning, we ensure your insurance coverage works in harmony with your overall financial picture. We don't just sell policies—we coordinate coverage across your needs, life stage, and family situation.

Specialized Divorce Financial Planning
As a Certified Divorce Financial Analyst® (CDFA®), Michael provides comprehensive divorce financial planning including asset analysis, settlement evaluation, QDRO preparation coordination, tax planning, and insurance reviews for individuals navigating separation. This specialized practice operates as Solutions Divorce Planning.

Business Financial Services
Small business owners face unique financial challenges. We provide tax preparation, bookkeeping coordination, cash flow planning, and business insurance reviews specifically designed for business owners who need comprehensive coordination but can't justify a full-time CFO.

PHILOSOPHY: COORDINATION OVER COMPARTMENTALIZATION

Traditional financial services operate in silos: your tax preparer doesn't coordinate with your insurance agent, your bookkeeper operates independently from your accountant and tax planner, and your divorce financial analyst doesn't connect with your other advisors.

We reject this compartmentalized approach.

At Solutions Money Management, every service we offer is designed to work together. Your tax preparation informs your insurance planning. Your accounting connects to your tax strategy. Your divorce financial analysis coordinates with your insurance needs and tax situation.

This coordinated approach means:
- Better decision-making based on complete information
- More tax-efficient strategies across all services
- Fewer surprises and better outcomes
- A single team that knows your complete financial picture
- No client left wondering who to call or what to do next

WHO WE SERVE

Our practice is designed for individuals and families who value comprehensive, coordinated service over transactional relationships. We particularly serve:

Affluent Women in Transition
Women navigating divorce, widowhood, or other major life changes who need comprehensive financial guidance and coordination across taxes, insurance, and financial planning.

Small Business Owners
Business owners who need more than basic bookkeeping and annual tax filing but can't justify a full-time CFO. Our "family office lite" approach provides comprehensive coordination at accessible pricing.

Individuals Navigating Divorce
People facing separation who recognize that financial decisions made during divorce will impact them for decades and want expert CDFA® guidance through the process.

Families Seeking Comprehensive Coordination
Multi-generational families who want their taxes, insurance, and financial planning working together rather than operating independently.