Finmentum LLC is an independent, fee-only registered investment advisor based in Elk Grove, California, founded and managed by Ramy Hindiyeh. Finmentum offers comprehensive financial planning, ongoing monthly subscription planning, discretionary investment management, and educational workshops for individuals and families. The investment management approach emphasizes long-term, disciplined, diversified portfolio construction primarily using low-cost exchange-traded funds, mutual funds, and individual securities. Finmentum does not sell financial products, receive commissions, or accept third-party payments, ensuring unbiased advice.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $3.0M | 0.85% |
| $3M+ | 0.70% |
Fees are negotiable based on account size, household complexity, services provided, or legacy client relationships.