Norristown, PA Office

Montis Financial, LLC provides comprehensive financial planning and discretionary and non‑discretionary investment management for individual and high‑net‑worth clients, and also advises retirement plan sponsors in an ERISA Section 3(21) capacity and, where agreed, as a Section 3(38) investment manager. The firm serves both retail clients and institutional plan engagements and offers assets‑under‑advisement services in addition to assets under management.

Montis develops tailored financial plans and implements portfolios using a broad set of instruments, including mutual funds, ETFs, fixed income, REITs, allocations to unaffiliated independent managers, and private investment funds. The firm may employ specialized strategies—such as interval funds, long/short and leveraged/inverse ETFs, and options transactions (e.g., covered calls and long puts)—and discloses the liquidity, volatility and other risks those instruments entail.

Several operational practices distinguish Montis from many peers: it utilizes Dimensional Fund Advisors (DFA) funds that require adviser approval, maintains an AI policy that restricts and governs use of AI tools with human review, and treats cash positions as an asset class for portfolio management and fee‑billing purposes with explicit cash sweep handling. The firm also restricts discretionary cryptocurrency purchases (recommending exposure via exchange‑traded securities or separate managers), includes private fund valuations in reporting and fee calculations, and documents the risks and conflicts related to margin and pledged‑asset loans.