Monticello Financial Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Monticello Financial Advisors provides financial planning and discretionary asset management to individuals (including high‑net‑worth clients), trusts, estates, and retirement plans. The firm’s brochure describes services such as cashflow management, asset management using firm models, financial planning, conduit accounts, annuity management and advisory annuities, and access to third‑party money managers.
The firm describes a data‑driven, rules‑based process for cashflow and annuity management that uses mathematical modeling to align investment, tax, and insurance components, and documents periodic reviews of annuities and portfolios (at least annually for annuities and quarterly for managed accounts). Investment approaches combine passive and active strategies (each generally capped at 50%), emphasize diversification across asset classes and managers, and permit discretionary trading when authorized by the client.
Monticello differs from many peers in its explicit affiliation with a limited‑purpose broker‑dealer that sells annuities and mutual funds and in advisors’ roles as licensed insurance agents, both of which the brochure identifies as potential conflicts of interest related to commissionable sales. The firm also recently added Annuity Management as a formal service, and its regulatory disclosures note a 2023 FINRA action involving the firm’s chief compliance officer (a suspension in a principal capacity and a fine), which is presented in the brochure’s disciplinary section.
Client services
Expertise
Fee options
Financial Planning flat fees range from $1,000 to $10,000
Under $100,000 - $100,000: 2.00% $100,001 - $500,000: 1.50% $500,001 - $1,000,000: 1.25% $1,000,001 - $5,000,000: 1.00% Cash/Cash Equivalents/Index+: 0.50%
$250 per hour for Financial Planning
Main office
107 East Eleventh Street
Mount Pleasant TX 75455
Advisors at this office
2
Most active in
Texas
Also doing business as
Monticello Financial Advisors · Monticello Financial Advisors, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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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
Advisors at this firm
Christine W
Series 63, Series 66
Mount Pleasant, TX
Monticello Financial Advisors
Christine Warner is a financial advisor with Monticello Financial Advisors who holds Series 63 and Series 66 licenses and has 24 years of industry experience. Her prior roles include positions at Fortune Financial Services, Mycroft Research/Conservative Equity Advisors, and Clarity Compliance, where she has served as President and Chief Compliance Officer of a compliance consulting firm. Monticello Financial Advisors provides financial planning and discretionary asset management services to individuals, trusts, estates, and retirement plans. The firm employs a data-driven, rules-based approach to cashflow and annuity management, combining passive and active investment strategies and emphasizing diversification across asset classes and managers.
Rory M
Series 63, Series 65
Mount Pleasant, TX
Monticello Financial Advisors
Rory Mcdonald is a financial advisor with Monticello Financial Advisors in Mount Pleasant, TX, holding Series 63 and Series 65 credentials and 20 years of industry experience. His prior roles include positions at Prosperity Wealth Management, Capital Investment Group, and Hightower Financial. He owns Annuity Knowledge Systems, which focuses on variable annuity data analysis and proposal development, and Mc2 Tax Consulting Services, offering tax preparation and consulting. Monticello Financial Advisors provides financial planning and discretionary asset management for individuals, trusts, estates, and retirement plans. The firm uses a data-driven, rules-based approach to cashflow and annuity management, combining passive and active investment strategies with an emphasis on diversification and periodic portfolio reviews.
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