What does it mean to be a fiduciary?
A fiduciary is a person or organization that owes to another the duties of good faith and trust. It is the highest legal duty of one party to another. Fiduciaries are bound ethically to act in the other’s best interests.
Why should I hire a CERTIFIED FINANCIAL PLANNER™ (CFP®)?
A CERTIFIED FINANCIAL PLANNER™ has competency and experience in all areas of financial management. All CFP® professionals have met rigorous qualifications for financial planning by completing courses of study in over 100 integrated financial planning topics. As part of their certification, CFP® professionals commit to high ethical standards and are required to complete continuing education that include a CFP Board-approved Code of Ethics course.
What are the fees for your services?
The advisory fee includes financial planning with portfolio management services. It is based on a percentage of your assets we manage and does not exceed 1%. Please see our updated fee schedule here. We will re-calculate the fee on December 31st and June 30th.
Do I need a minimum amount to work with Montis Financial?
In general, we do not require a minimum dollar amount to provide our advisory services. However, to maintain a high level of service and portfolio customization, the minimum quarterly fee is $2,500 which includes financial planning services at no additional cost. In some circumstances, we may waive the minimum fee. We may also combine account values for you, your family members and other types of related accounts to meet the stated minimum.
Do you offer by the hour planning?
We currently do not offer by the hour planning. Our goal to develop a trusting, long term relationship that will allow us to deliver personalized advice on an ongoing basis.
What is your investment philosophy?
Our team is committed to helping you reach your specific objective through the development of a custom-tailored investment plan. Our process employs multiple asset classes in an effort to reach an optimum balance between risk and reward.
This approach utilizes the principles of Modern Portfolio Theory to design portfolios intended to be well-diversified across major asset classes and accounts in a tax-efficient manner. We use low expense, highly liquid, institutional share class mutual funds and exchange traded funds (ETFs) to shift the focus away from the choice of individual securities toward the efficient allocation of capital across a broad range of asset classes.
Will you coordinate with my other professionals (CPA, Attorney, Insurance specialist)?
When requested to do so, we can work with your other professionals to help all the components of your financial life are working together.
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*Please Note: Limitations. The achievement of any professional designation, certification, degree, or license, membership in any professional organization, or any amount of prior experience or success, should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Montis is engaged, or continues to be engaged, to provide investment advisory services. The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Montis does not serve as an attorney, accountant, or insurance agent. Montis does not prepare legal documents or tax returns, nor does it sell insurance products.