Promontory Financial Planning offers two core services for individual clients: comprehensive financial planning and discretionary investment management. When building portfolios, Promontory primarily recommends no-load mutual funds, index funds, and exchange-traded funds, while tailoring allocations to each client's specific risk tolerance and goals. The firm takes a holistic approach, addressing retirement, tax strategies, estate planning, cash flow, and insurance needs. Promontory works with a diverse clientele, including individuals, trusts, estates, and small business owners. Client accounts are managed through independent custodians such as SEI Private Trust Company and Charles Schwab. In addition to standard advisory fees, certain representatives are licensed insurance agents or registered representatives of a broker-dealer, creating potential conflicts of interest regarding commission-based product sales, which the firm mitigates by acting in the client's best interest and disclosing compensation.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 2.00% |
Promontory Financial Planning charges no more than 2% annually for accounts. Fees and account minimums may be negotiable based on portfolio size, aggregate amount invested, and the simplicity of the asset allocation or services required.