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Company Details
Montis Financial is a fee-only financial planning and wealth management firm based in Waltham, Massachusetts. The firm is dedicated to helping clients organize, grow, and protect their financial assets through comprehensive, customized strategies. Montis emphasizes independence, objectivity, and personalized service, aiming to enrich clients’ life experiences by helping them achieve their financial goals and aspirations.
Founding and History
Montis Financial was founded with the vision of redefining how investors think about financial planning and wealth management. Guided by a philosophy that values trust, transparency, and long-term relationships, Montis has grown into a firm that serves a diverse range of clients, including young professionals, pre-retirees, retirees, and business owners.
Over the years, Montis has expanded its offerings and expertise to include cutting-edge technology, advanced financial planning tools, and institutional-quality investment strategies. The firm continues to adapt and evolve, remaining committed to its mission of providing tailored financial solutions that reflect the unique circumstances and goals of its clients.
Services Provided
Montis Financial provides a comprehensive array of services designed to address every aspect of a client’s financial life:
- Financial Planning: Customized strategies include cash flow management, retirement planning, estate and family planning, tax planning, charitable giving, insurance planning, and college savings plans.
- Investment Management: The firm employs a Risk-First Defined (RFI) investment approach to construct portfolios tailored to clients’ goals, risk tolerances, and time horizons. Montis uses a blend of traditional and alternative investment strategies to balance growth with risk management.
- Retirement Planning: Tailored plans help clients prepare for a secure retirement while considering factors like healthcare costs, lifestyle needs, and income sustainability.
Executive Leadership Team
The leadership at Montis Financial is composed of accomplished professionals who provide strategic guidance and oversee the delivery of high-quality financial services:
- John M. Yanchek – Managing Partner & Chief Compliance Officer: John ensures the firm operates within a robust compliance framework while guiding its overall strategic initiatives.
- Tucker P. Donahoe, CAIA – Managing Partner: Tucker focuses on enhancing client relationships and advancing Montis’ investment strategies.
- Christiane S. Delessert, Ph.D., CFP® – Founder & Advisor Emeritus: As a founding member, Christiane has played a pivotal role in shaping the firm’s client-first approach and legacy of excellence.
- Christopher J. Dalto, MBA, JD, CFP® – Founder: Christopher’s extensive expertise in financial planning and legal frameworks has been integral to the firm’s success.
- Dennis E. Follmer – Chief Investment Officer: Dennis leads Montis’ investment strategies, leveraging his deep knowledge of markets and portfolio management to deliver tailored solutions for clients.
Montis Financial’s combination of comprehensive services, innovative strategies, and expert leadership positions it as a trusted partner for individuals and families seeking to achieve financial clarity and long-term success.
Montis Financial positions itself as a trusted, client-focused partner dedicated to simplifying financial complexities and helping retail clients achieve their life and financial goals. By offering tailored solutions that prioritize independence, objectivity, and transparency, Montis aims to build long-term relationships with clients across different life stages. Montis provides:
- Holistic Financial Solutions
Montis presents itself as a one-stop resource for comprehensive financial planning and wealth management. Their approach integrates all aspects of a client’s financial life, including investments, retirement planning, estate and family planning, tax strategies, and insurance. By offering these services under one roof, Montis ensures consistency and coordination in financial strategies. - Client-Centric Approach
Montis emphasizes personalized service, taking the time to understand each client’s unique circumstances, aspirations, and challenges. They tailor financial plans and investment strategies to meet individual needs, ensuring clients feel valued and understood throughout their financial journey. - Fee-Only Advisory Model
As a fee-only firm, Montis positions itself as an independent, conflict-free advisor. This model allows clients to trust that recommendations are made solely in their best interest, with no commissions or third-party incentives influencing decisions. - Risk-First Defined (RFI) Investment Philosophy
Montis highlights its proprietary Risk-First Defined investment approach, which focuses on managing risk while striving for growth. By prioritizing risk management, the firm assures clients that their portfolios are designed with preservation and long-term stability in mind. - Expert Leadership and Team
Montis underscores the depth of expertise within its leadership team and advisory staff, showcasing a blend of experience, certifications, and specialized knowledge. This positioning assures clients that they are working with highly qualified professionals who can handle complex financial situations. - Tailored Services for Different Life Stages
Montis markets itself as adaptable to clients at various points in their financial lives, including:- Young professionals seeking to build wealth and plan for future milestones.
- Pre-retirees preparing for a smooth transition into retirement.
- Retirees needing sustainable income strategies and legacy planning.
- Business owners requiring customized solutions for succession planning and wealth preservation.
- Transparent Communication
Montis emphasizes clear and consistent communication, providing clients with regular updates, educational resources, and performance insights. By fostering transparency, the firm builds trust and empowers clients to make informed decisions. - Technology-Enhanced Experience
Leveraging advanced financial planning tools and portfolio management systems, Montis enhances the client experience with user-friendly platforms for tracking progress and accessing financial information.
Montis Financial serves a broad spectrum of clients, including individuals, high net worth individuals, and professional associations. Typical clients include retirees, business owners, high-performing professionals (doctors, lawyers, etc.), and athletes. The firm focuses on clients with $1 million to $20 million in AUM, providing comprehensive financial planning and wealth management services.
Montis has built a comprehensive set of institutional quality portfolios that can be tailored to the specific needs, preferences, and concerns of each client. They provide advisors with the investment tools they need to construct a financial plan that maximizes each client's opportunity to achieve their goals. Montis makes strategic asset allocation and fund selection decisions that have a three to five-year time frame.
Montis Financial utilizes various investment vehicles such as ETFs, mutual funds, SMAs, in both passive and active model portfolios. They manage assets through a combination of in-house management and external managers. Montis may recommend third-party investment advisers to manage all or a portion of a client's assets. The investments Montis may recommend include short-term cash instruments, mutual funds, money managers, limited partnerships, real estate investment trusts (REITs), government securities, corporate/municipal debt (bonds), and equity securities (stocks).
Montis Financial utilizes various investment vehicles such as ETFs, mutual funds, SMAs, in both passive and active model portfolios. They manage assets through a combination of in-house management and external managers. Montis may recommend third-party investment advisers to manage all or a portion of a client's assets. The investments Montis may recommend include short-term cash instruments, mutual funds, money managers, limited partnerships, real estate investment trusts (REITs), government securities, corporate/municipal debt (bonds), and equity securities (stocks).
he investment team at Montis Financial includes key members with extensive backgrounds in finance and investment management. The team is led by Dennis Fulmer, the Chief Investment Officer, who has a strong background in institutional hedge fund management and retail investment. Other key members include:
- John M. Yanchek: Managing Partner & Chief Compliance Officer
- Tucker P. Donahoe: Managing Partner
- Dennis E. Follmer: Chief Investment Officer
Locations
Company Videos
Acquisition Model
Full Acquisition
Direct Rollover Equity, standard allocation is 10%-15%
Negotiable
Max Cash: 100%
Max Equity: 15%
Montis Financial's standard terms are ~25% retention over a year period.
- Base Salary: 15-20% of what they are managing from clients.
- Senior Advisor Incentive Bonus: 30% of base based on retention of client.
- New Business Bonus: 25% of revenue share of one time between 0-100k, 50% of 100-250k, above 300k 100% of revenue share.
- Target Bonus: 30% of salary; firmwide basis.
Mandatory Points of Alignment
Montis asks partners to adopt the brand but is open to discussing exceptions. Co-branding may be considered if a partner has strong brand recognition.
To create the most positive experience possible for both clients and advisors, the leadership team would like all partners to have a centralized technology stack.
None required. Advisors have full discretion over client recommendations.
With collaboration, Montis Financial will work with its partners to build an annual budget.
While there is no formal client experience to adopt, all partners who join Montis should share the same planning-centric mentality.
Montis encourages partners to utilize the practice management competencies, but it is not required.
At Montis, partners can continue to manage their own models but must centralize trading. Montis is open to discussing and adapting investment management strategies based on the needs of partners.
Advisor Value Proposition
Montis Financial is a wealth management firm that emphasizes a comprehensive approach to financial planning and investment management. They aim to create a destination for advisors, support staff, and clients by leveraging talent and creating efficiencies. Montis Financial focuses on a combination of financial planning and investment management to provide a holistic client experience.
Central Planning Team: Montis Financial has a central planning team that assists advisors by gathering and inputting client information into their software, allowing advisors to focus on client-facing activities.
Montis' partners will have access to the firm's centralized planning, investments, compliance, tax planning, HR, and internal finance specialists. Montis is currently building out dedicated teams in finance, marketing, and investment strategies to provide their advisors with abundant resources. This empowers advisors to focus on growth opportunities and frees them from nonessential functions.
Beyond traditional portfolio management and financial planning, Montis brings expertise in a wide range of other areas within the wealth and investment management arenas. Some of these proficiencies include tax planning, retirement planning, college planning, wills and trusts, estate planning, cash flow analysis, charitable giving, insurance planning, college planning, divorce planning, and even helping clients purchase a home or second home. Montis provides this expertise to advisors to help them bolster their offering to clients. Advisors are encouraged to tap into these resources. Additionally, Montis offers different committees to its partners who wish to participate beyond their local practice. Montis enhances the appeal of advisors by adding these additional planning and investment competencies to their arsenal of tools to serve clients.
Local Marketing Initiatives: Montis has seen client satisfaction improve, resulting in new referrals, uncovering held away assets, and strengthening COI networks, which has helped build business.
National Marketing Strategy: Montis is focused on building a highly referable client experience through email campaigns, hosting events, and social media presence.
Montis can consult with you on the best ways to optimize the efficiency of your practice, such as defining roles/responsibilities for staff, implementing strategic growth initiatives, defining and managing specific KPIs, and more.
AUM Growth
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