Important Disclosures

This website is limited to providing general information about Montis Financial, LLC (“Montis Financial” or “we/us/our”). Montis Financial is an SEC registered investment adviser. Registration with the SEC should not be construed as an endorsement or an indicator of investment skill or experience.

Montis Financial website is limited to the dissemination of general information pertaining to our advisory services, together with access to additional investment-related information, publications, and links. All content is of a general nature and solely for educational, informational, and illustrative purposes. Montis Financial does not effect transactions in securities or render personalized investment advice via the Internet.

No client, prospective client, or any person should construe any information presented and/or made available on our website as investment advice. Any subsequent, direct communication by Montis Financial with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. Montis Financial only transacts business in states where it is properly registered or qualifies for an exemption or exclusion from registration requirements.

Unless stated otherwise, any mention of specific securities or investments is for illustrative purposes only. Montis Financial clients may or may not hold the securities discussed in their portfolios. Montis Financial makes no representation that any of the securities discussed have been or will be profitable.

Past performance may not be indicative of future results. No client or prospective client or any person should assume that the future performance of any specific investment, strategy, or product referenced directly or indirectly on this website, or via a link to any unaffiliated third-party website, will be profitable or equal to indicated performance levels. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment management fee. Historical performance is not indicative of any specific investment or future results.

Investment process, strategies, philosophies, portfolio composition and allocations, security selection criteria and other parameters are current as of the date indicated and are subject to change without prior notice.

Investments in securities are not insured, protected, or guaranteed and may result in loss of income and/or principal. Diversification does not eliminate the risk of material loss. Different types of investment involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client’s investment portfolio.

Private fund investments are speculative and may involve a high degree of risk. Opportunities for withdrawal or redemption and transferability of interests are restricted, and investors may not have access to capital when it is needed. Private investments should not be made unless the investor is prepared to lose all or a substantial portion of such investments.

Views regarding the economy, securities markets, or other specialized areas, like all predictors of future events, cannot be guaranteed to be accurate and may result in economic loss of income and/or principal to the investor. All opinions are subject to change.

The website may include opinions and forward-looking statements. All statements other than statements of historical fact are opinions and/or forward-looking statements (including words such as “believe,” “estimate,” “anticipate,” “may,” “will,” “should” and “expect”). Although Montis Financial believes that the beliefs and expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such beliefs and expectations will prove to be correct. Various factors could cause actual results or performance to differ materially from those discussed in the forward-looking statement. Dated and forward-looking statements speak only as of the date on which they are made. Montis Financial undertakes no obligation to update publicly or revise any dated or forward-looking statements.

Neither rankings nor recognitions by unaffiliated rating services, publications, media, or other organizations, nor the achievement of any professional designation, certification, degree, or license, or membership in any professional organization should be construed by a client or prospective client as a guarantee that the client will experience a certain level of results if the investment professional or the investment professional’s firm is engaged, or continues to be engaged, to provide investment advisory services. Rankings published by magazines and other organizations are generally based on information prepared or submitted by the recognized advisor and are typically limited to participating advisors (see specific ranking participation criteria and methodology for a particular advisor). Unless expressly indicated otherwise, Montis Financial did not pay a fee to be included in any such ranking. No ranking or recognition should be construed as a current or past endorsement of Montis Financial by any of our clients. Awards, ratings, or rankings may not be representative of any one client’s experience and are not indicative of Montis Financial’s or our advisors’ future performance or the performance of our clients’ investments. Montis Financial does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any unaffiliated third-party data or outside content, whether linked to our website or incorporated herein, and takes no responsibility therefore. All such information is provided for informational purposes only and has not been verified by Montis Financial.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to our website, the client or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Montis Financial, or from any other investment professional.

Montis Financial’s current disclosure statement is set forth on Part 2A of Form ADV and is available on our website or the SEC website at www.adviserinfo.sec.gov.

Montis Financial does not provide legal, tax, or accounting services to clients. Advice from qualified counsel or an accountant should be sought to address any specific situation requiring assistance from such licensed individuals.

Designation and Certification Glossary

CAIA® Designation

Chartered Alternative Investment Analyst℠
The Chartered Alternative Investment Analyst (CAIA®) charter is a professional designation granted by the Chartered Alternative Investment Analyst Association® to candidates who have completed Level I and Level II examinations. Candidates must also meet the association’s professional work experience requirements before being awarded the charter. The Chartered Alternative Investment Analyst Association® has established the designation of CAIA to certify that the holders have met the association’s educational standard for specialists in the area of alternative investments. The alternative investments that a CAIA charterholder is trained to assess include hedge funds, venture capital, private equity, funds of funds, derivatives, and real estate investments.

CFA® Designation

Chartered Financial Analyst®
The Chartered Financial Analyst® (CFA®) charter is a globally-recognized professional designation given by the CFA Institute (formerly the Association for Investment Management and Research or AIMR), that measures and certifies the competence and integrity of financial analysts. Candidates are required to pass three levels of exam covering areas such as accounting, economics, ethics, money management, and security analysis. Candidates must also complete qualifying investment work experience before being awarded the charter.

CFP® Certification

CERTIFIED FINANCIAL PLANNER® certification
CFP® professionals have met the CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill initial and ongoing requirements in these categories. The CFP Board has required individuals to have a bachelor’s degree or higher since 2007 and has required a capstone course to be completed, in addition to CFP Board-approved coursework, since March 2012. All CFP® professionals have passed the CFP® Certification Examination and completed a professional experience requirement as well as satisfied ethical and practice standards set forth by the CFP Board’s Code of Ethics and Standards of Conduct. There are ongoing education and ethics requirements for CFP® professionals to remain certified and maintain the right to use the CFP® certification marks.

CPWA® Certification

Certified Private Wealth Advisor®
The Certified Private Wealth Advisor® (CPWA®) certification is an advanced credential created by the Investments & Wealth Institute® specifically for wealth managers who work with high-net-worth individuals, focusing on the life cycle of wealth: accumulation, preservation, and distribution. Candidates are required to complete the CPWA® certification program and successfully pass an exam covering specific strategies to minimize taxes, monetize and protect assets, maximize growth, and transfer wealth. There are ongoing educational and ethics requirements for CPWA® professionals to remain certified.

Trademark Notices

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. CFA® and Chartered Financial Analyst® are registered trademarks owned by CFA Institute. CAIA® is a registered certification mark owned and administered by the Chartered Alternative Investment Analyst Association®. Investments & Wealth Institute® (the Institute) is the owner of the certification marks “CPWA” and “Certified Private Wealth Advisor.” Use of CPWA and/or Certified Private Wealth Advisor signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for wealth advisors.