A Fiduciary since 1992 of
Retirement Asset Management & Income Programs

"The Doctor is IN!"

Our Model Portfolio may be a solution for you:


"Yo Doc, you MADE money during the 2025 Tariff Tumble?!?"

"Did you say you were UP in the 2020 & 22 Covid Crashes?!?"

maybe we can help - check out our solutions and answers:

Yes, for Accredited clients, we offer a "Hurdle Rate" of 4%.  This means your fee is waived if your account does not earn 4% in a year.  Sound fair enough?
Yea, I saw that ad too.  It's misleading - let me explain:

 Most advisors charge a percentage of assets per year on your account -- regardless of if you make money or not! ( the competitor who advertises: "We do better when you do better" charges MORE than 1.5%).  So ANY advisor that charges an annual percentage of assets will "do better" (will make MORE money from your account) "if you do better" (when your account goes up).  Rocket science, right?

But they left out the 2nd part : "we STILL make money even if you do NOT do better"!  I know - it's a minor point that I am sure was just a marketing oversight.

We offer a "Hurdle Rate" of 4% to Accredited clients.  That means your fee is waived (no fee) if you account does not earn 4% in any year.  Straight forward no BS - sound fair enough?
We email our clients a link to our You-Tube audio-video updates when we think appropriate.

The Custodian who "holds" your assets (like Fidelity, Schwab, or Goldman Sachs) contact you directly whenever there is activity in your account.  They are like your pharmacist: they "fill" your prescription (of investment alternatives).

We are like your doctor: we prescribe appropriate medicine.  But it is up you to pick a pharmacist and follow the prescription.

When you have a question or concern, we expect to hear from you via phone, text, or email. Because we are on conference calls for most of the day, we reply usually the same day, but always within 24 hours of contact. Fair enough?
Unlike most of our competitors, we do just buy and hold a "diversi-PIE" of asset classes - that is just playing "offense".  When you re-allocate your account, you do not reducing your risk, you just are transferring your risk to another vehicle.

We generate gains during market sell-offs by selling risk assets (offense) and buying short term bonds and cash money markets (defense). By playing "BOTH sides of the ball" we were able to make money in years like 2020, 2022, and 2025 (so far).

Kind of like the famous quote from John Maynard Keynes
"When the facts change, I change my mind.
What do you do, sir?"

We do NOT try to forecast or "time" the market (pick tops and bottoms).  We only react to historical tendencies and price data.

"Those who have knowledge don't predict. Those who predict don't have knowledge." Lao Tzu


Yes, we have the designation of a Nation Social Security Advisor.

Most people do not know this, but as strange as it sounds, the Social Security Administration BY LAW is NOT allowed to give advice to you!

We have had the education, training, background, and experience of  working with the Social Security Administration for years.
          "Well if it is on the internet, it must be true!"            

The Firm (Conservativemoney LLC)  and Managing Member (Thomas P, Fayen) have not been the subject of a bankruptcy petition or found liable of a civil, self-regulatory organization, or administrative proceeding involving: An investment or an investment-related business or activity;  fraud, false statement(s), or omissions; theft, embezzlement, or other wrongful taking of property; bribery, forgery, counterfeiting, or extortion; or dishonest, unfair, or unethical practices.

But don't take our word for it, find out for yourself!  

The ONLY LEGITIMATE disciplinary history of EVERY regulated advisor can be found on the site that is MONITORED AND MAINTAINED by the 2 bodies that govern registered brokers and firms: FINRA and the SEC

Here are the links to each regulator for the firm and owner: 

https://brokercheck.finra.org/individual/summary/1300334

https://adviserinfo.sec.gov/individual/summary/1300334

Unfortunately, some use the internet to as a means of distribute false information, so you have to be careful about the sites you visit that LOOK authentic, but are misleading.  But in the end, as Jesus says, “For every tree is known by its fruit. For people do not pick figs from thorn bushes, nor do they gather grapes from brambles” (Luke 6:44).
Years ago every time a client (a true character, RIP) would call, he would not identify himself, but only say "Is the doctor in?

And so it began . . . and just sort of "stuck" ; your custodian (like Fidelity, Schwab, or Goldman Sachs) is like your pharmacist (they "fill" your prescription) and we are like your doctor (we prescribe the appropriate medicine).  But it is up you to pick a pharmacist and follow the prescription.

Coincidentally, owner Tom Fayen is the 10th child (out of 12) from a family of physicians and medical professionals.  Tom started working in the retirement investment business immediately after graduating with a degree in Economics from the same college his father went to as well, John Carroll University.  Tom and Kathleen and their 5 children are all life long Cleveland residents. Following his "When Man plans - God laughs" motto, after his 20 years of coaching grade school basketball, his kids became accomplished volleyball players in high school.  When not on the computer or phone, you can find him (year round!) on the Cleveland MetroParks bike paths wearing his uniform of vinyl black pants and yellow DayGlo biking jacket (of course with no helmet -- safety first!)
For YEARS we have followed the crowd with "risk tolerance" questionnaires that our clients fill out, and you know what? 

Their answers CHANGE!   We found that people:
(1) are "high risk tolerant" when markets go up, and are "NO risk tolerant" when markets fall -- REGARDLESS OF AGE!

(2) then most clients end up asking, "Hey Doc, what are YOU doing with YOUR money?"

So that is when we started the "Model Portfolio"  -- it is what WE are doing with OUR OWN money.  No BS forms to hide behind. We got ALL our skin in the game with you.

Certificate holder of both: NSSA® - National Social Security Advisor Plan Confidence "ERISA Fiduciary Advisor Best Practices" +30 years of experience helping people with their money Fixed secure tax advantaged income alternatives.