Monterey Associates is a fee-only financial planning firm based in Pelham, New York, founded and operated by Anthea Perkinson. The firm provides personalized, objective financial planning and education on topics including cash flow management, investing, credit repair, debt management, retirement planning, risk management, tax planning, and education planning. Monterey Associates does not manage investment portfolios, custody client assets, or execute trades; instead, clients maintain full control of their accounts and make all final investment decisions based on the firm's recommendations. The firm operates strictly on a flat-fee or hourly basis, accepting no commissions, product sales, or referral fees.
Fee Structure
Monterey Associates offers ongoing financial planning services at an hourly rate of $200 per hour. This service is available after completing an initial review, comprehensive financial plan, or self-employed planning engagement, and helps clients address specific issues like debt, inheritances, portfolio rebalancing, or annual plan updates.
- Initial Financial Review — $450 for a two-hour interactive session to assess your current financial situation, review accounts, and discuss specific financial issues
- Comprehensive Financial Plan — $1,200 to $3,500 depending on the complexity of your situation, covering net worth, cash flows, investments, taxes, insurance, and estate documents
- Self-Employed Planning Engagement — $500 for a two-hour session focused on budgeting, credit, banking, debt, taxes, and retirement options for business owners
- Hourly Financial Planning — $200 per hour (1-hour minimum) for specific topics like debt management, inheritances, or benefits enrollment