Second Mountain Financial, Inc.

Second Mountain Financial is an independent, single-advisor registered investment adviser that provides portfolio management and comprehensive financial planning primarily to individuals and families, and also serves ERISA retirement plans, foundations, endowments, and other non‑profit organizations. Advisory services include customized investment strategy development, ongoing monitoring and reporting, and planning in areas such as retirement income, education funding, stock compensation, and estate planning.

The firm follows a passive, index‑based investment philosophy grounded in the Efficient Market Hypothesis and typically recommends diversified mutual funds and ETFs while occasionally advising on individual stocks and bonds when appropriate. Portfolios are built to reflect each client’s goals and risk tolerance, reviewed at least quarterly, and the adviser generally accepts discretionary authority while preferring to discuss transactions with clients beforehand.

Distinctive aspects for a solo independent RIA include an affiliation with an accounting practice that provides tax preparation under separate agreements and an active CPA license held by the firm’s principal. The firm also offers pension consulting and ERISA fiduciary services (including 3(21) and 3(38) roles) for retirement plans, provides business advisory coordination for small‑business owners, and maintains referral arrangements with Morgan Stanley Smith Barney and Signature Estate & Investment Advisors for introductions to third‑party advisory programs.