Monticello Financial Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Monticello Financial Advisors works with individual clients — including high‑net‑worth individuals — as well as trusts, estates, pension and profit‑sharing plans, and charitable organizations, delivering cashflow management, asset management, financial planning, and access to third‑party money managers. Services are offered through managed portfolios, firm‑managed models, and standalone planning engagements.
The firm’s process begins with detailed information gathering and employs rules‑based cashflow modeling, ongoing portfolio supervision, and discretionary trading or disbursements when authorized by clients. Investment programs combine passive and active strategies, diversification across asset classes and managers, and the use of conduit accounts and advisory annuities as tools for tax and cashflow planning.
Monticello is structured as a founder‑owned, very small RIA team and discloses affiliations with a limited‑purpose broker‑dealer and licensed insurance activities, which enables it to offer advisory‑format annuity arrangements and to coordinate referrals for commissionable products while documenting potential conflicts of interest. The firm’s explicit use of conduit accounts and the brochure’s description of “advisory annuities” (presented as institutional‑priced, liquid annuity arrangements) are distinguishing features relative to many peers.
Client services
Expertise
Fee options
Flat fees from $1,000 to $10,000 for financial planning
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
Fee-only: Hourly fees of $250; Flat fees range from $1,000 to $10,000
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 66, Series 63
Mount Pleasant, TX
Monticello Financial Advisors
Christine Warner is a financial advisor with Monticello Financial Advisors holding Series 66 and Series 63 credentials and 24 years of industry experience. She has worked at Monticello Financial Advisors since 2022 and previously at Fortune Financial Services and Mycroft Research. Warner also serves as President and Chief Compliance Officer of Clarity Compliance & Operations Services, a compliance consulting business. Monticello Financial Advisors serves individual clients, trusts, estates, pension and profit-sharing plans, and charitable organizations with cashflow management, asset management, and financial planning. The firm uses a rules-based cashflow modeling process combined with diversified investment strategies and offers discretionary trading through managed portfolios and firm-managed models.
Rory M
Series 63, Series 65
Mount Pleasant, TX
Monticello Financial Advisors
Rory Mcdonald is a financial advisor at Monticello Financial Advisors with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Prosperity Wealth Management, Aksys, Capital Investment Group, and Hightower Financial. Outside of his advisory role, he owns Annuity Knowledge Systems, which focuses on variable annuity data analysis and proposal development, and Mc2 Tax Consulting Services, providing tax return preparation and consulting. Monticello Financial Advisors serves individual and high-net-worth clients with cashflow management, asset management, financial planning, and model-based portfolio oversight. The firm combines rules-based cashflow modeling with discretionary portfolio management, using both passive and active strategies, and maintains affiliations with broker-dealers and insurance distribution channels.
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