Point Lookout, NY Office

Miramontes Capital advises individuals, high‑net‑worth clients, and retirement plans, providing financial planning, standalone consultations, wrap comprehensive portfolio management, and 529 account management. The firm combines ongoing managed account services with one‑off planning engagements and makes brokerage and insurance products available through affiliated industry entities.

The firm manages accounts on both discretionary and non‑discretionary bases but reports a larger share of assets managed on a non‑discretionary basis, and implements individualized portfolios through its wrap program and, when appropriate, sub‑advisors. Investment approaches include long‑term and short‑term trading, use of ETFs, mutual funds, bond and debt securities, and more active techniques such as short sales and options strategies, including collars to help manage concentrated equity risk.

What is distinctive about the firm is its role as a wrap fee program sponsor combined with affiliations with a broker‑dealer, an accounting/tax practice and insurance operations, and a team of dually registered representatives — arrangements that give rise to referral and compensation conflicts the brochure discloses and says are managed under the firm’s fiduciary policies. The firm also recently added a formal hedging collar offering as a specific strategy available to managed accounts, which is noted as a material change in its disclosures.