Monterey Associates Financial Planning & Education
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides personalized, fiduciary financial planning and education to individuals, couples, nonprofits, and small business owners, covering topics such as cash flow, retirement, tax planning, debt management and college funding. Services are delivered on a fee-only basis through fixed-fee engagements (initial reviews and comprehensive plans) and hourly engagements for ongoing work.
Investment guidance favors low-cost, passive vehicles (index funds and ETFs), a diversified buy-and-hold allocation, and tax-aware periodic rebalancing, with low-cost active funds used only in specific situations. The firm does not provide portfolio management or custody of client assets; clients retain final decision-making and are responsible for implementing recommendations, though implementation assistance is available at the firm’s hourly rate.
Noteworthy features include regular educational outreach—periodic publications/newsletters and seminars or workshops—and an ongoing role in nonprofit financial literacy efforts led by the firm’s principal. Unlike most independent solo advisors, the firm explicitly avoids percentage-of-AUM fee arrangements, does not accept commissions or referral fees, and offers a focused two-hour self‑employed planning engagement as a standard service.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Initial Review: $450 for 2 hours; Self-Employed Planning: $500 for 2 hours; Comprehensive Financial Plan: $1,200 to $3,500 depending on complexity
$200 per hour with a 1 hour minimum
Fee-only: Fixed fees and hourly charges only; no commissions or AUM fees
Main office
Pelham NY
Advisors at this office
1
Most active in
New York
Also doing business as
Monterey Associates · Monterey Associates Financial Planning & Education
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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