Monarch Fiduciary, LLC

Monarch Fiduciary is a newly formed SEC‑registered investment adviser that provides discretionary portfolio management and comprehensive financial planning to individuals (including high‑net‑worth clients), business owners, trusts, and retirement plan participants. Services listed in the brochure include ongoing investment management, retirement planning, tax planning, and estate planning, offered alongside stand‑alone financial planning engagements.

The firm describes an evidence‑based, low‑cost, broadly diversified investment approach that emphasizes long‑term buy‑and‑hold portfolios constructed with ETFs and index funds, supplemented by quantitative and factor‑based analysis and tax‑efficiency considerations. Clients’ accounts are tailored through a detailed intake of goals, risk tolerance, and constraints, with formal account reviews at least quarterly and periodic performance reports and planning updates provided.

Noteworthy aspects of the firm include its stated use of data science and programming skills to support investment and tax analysis, offering both asset‑based management and non‑asset‑based billing (hourly and fixed project fees) for planning work, and accepting clients at all asset levels with no account minimum. The brochure also discloses that the firm does not charge performance‑based fees or operate private funds and that the principal maintains outside employment in an information security role, which the firm says complements its analytical capabilities.