We’re the translators of financial mumbo jumbo.

NAPFA defines a fee-only advisor as one who is compensated solely from the client. Neither the advisor nor any related party may receive compensation contingent on the purchase or sale of a financial product. NAPFA members cannot receive commissions, rebates, finder’s fees, or any other form of compensation from third-parties as a result of implementing their investment recommendations.

Fee-only signifies that your advisor does not receive commissions or additional revenue from product providers. This eliminates any conflict of interest and bias when allocating assets and ensures that your advisor has your best interests at heart. However, fee-based advisors receive fees from you as well as commissions from selling products and/or have revenue sharing agreements with product providers. A fee-based structure, therefore, introduces unwanted monetary influence in the way your advisor manages your portfolio.

TreMonte Financial Consultants is a fee-only advisory firm. We are compensated solely by the agreed upon fees paid by our clients. We do not receive any commissions, trails, kickbacks, or finders fees.

Our clients are intelligent, kind, diligent and often times leaders within their industry. A TreMonte Financial Consultants client is seeking a long term professional relationship built on trust and on-going unbiased counsel. Many of our clients have had experience with self-management or with the traditional financial advisory sales model. TFC clients recognize the need for professional, objective, and competent advice to manage their finances successfully.

We ask all of our clients to commit to a minimum of bi-annual financial reviews. By adopting a holistic approach to financial planning, we manage and advise on all aspects of our clients’ financial situation, including but not limited to: tax planning, investment planning, retirement planning, insurance planning, education planning, and estate planning. In the event we are unable to provide the needed expertise, we consult with our trusted affiliates, which include local CPA firms and attorneys. Because financial planning is an ongoing and dynamic process, we believe a regular communication schedule is paramount. This allows all parties involved to adjust and optimize your financial situation as your circumstances change.

As independent advisors, we enjoy access to most publicly traded investment products. We work with our clients to determine which investment options are best suited to their unique financial situation.

The term NAPFA-Registered Financial Advisor indicates that a financial planner adheres to the industry’s most demanding practice requirements, including Fee-Only compensation, and meets NAPFA’s rigorous standards. We believe that through our NAPFA-Registered Financial Advisor program, we have created the financial planning industry’s clearest message about the level of responsibility and care that must be exercised on behalf of each client.

A financial planner who has a financial stake in the course of action that they recommend to a client faces an inherent conflict of interest and cannot be considered objective or unbiased. Unfortunately, the vast majority of financial advisors in the United States are sellers of financial products. Some or all of their income may be dependent upon their ability to steer their clients to a limited number of the thousands of financial products available today. (Putting aside the conflict of interest factor, this limiting of investment choices, in and of itself, often is enough to impact the quality of advice.) NAPFA believes many of the problems that beset Americans today in their financial affairs relate directly to the conflicts of interest that pervade the marketplace.