Mende Financial Council, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Mende Financial Council, Inc. is a fee-only, registered investment adviser that provides wealth management and financial planning to individual and high-net-worth clients. Services described in the brochure include discretionary portfolio management, development of a personalized financial plan at the client’s election, and referrals to third‑party professionals and outside investment managers.
The firm’s investment approach emphasizes asset allocation and principles of modern portfolio theory, using a mix of passive and active vehicles and employing fundamental and cyclical analysis to select mutual funds, ETFs, bonds, and individual securities with a long-term orientation. Mende Financial Council may subscribe client accounts to model portfolios through Altruist’s Model Marketplace and can delegate management to Outside Managers while retaining ongoing review and the ability to accommodate written client‑imposed restrictions.
Founded and registered in 2025, the firm reported $5,053,951 in discretionary assets under management as of December 31, 2025 and operates as a small, solo-practitioner advisory business. Noteworthy operational practices disclosed in the brochure include recommending the Altruist custodial platform and model marketplace, a policy not to aggregate (block) trades across client accounts, and relying on custodian-provided statements rather than issuing separate written performance reports.
Client services
Expertise
Fee options
0.75% annually, negotiable
Fee-only: Advisory fee only; no commissions received
Main office
Carmel CA
Advisors at this office
1
Most active in
California
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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