Torrey Pines Financial, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$26,000,000
Clients
40
Advisors
2
across 2 offices
About
Torrey Pines Financial provides financial planning, consulting and portfolio management and assists clients by introducing them to third‑party asset managers. The firm’s brochure states it serves trusts, estates, retirement plan accounts and IRAs and reports it manages approximately $21 million in client assets on a nondiscretionary basis.
TPFI relies on fundamental analysis and Modern Portfolio Theory to design long‑term, asset‑allocation focused strategies and documents client objectives and risk tolerance in an Investment Policy Statement. The firm typically provides nondiscretionary advice and implements recommendations through mutual funds, ETFs, insurance products, or by directing clients to third‑party managers rather than exercising unilateral trading discretion.
What distinguishes TPFI in its disclosure is its role as an introducer to external money managers and its material insurance‑related activities: associated persons are licensed insurance agents, principals spend roughly half their time on insurance business, and the firm receives fee‑sharing and insurance commissions. The brochure highlights these referral and compensation arrangements and the resulting conflicts of interest, and notes the firm does not participate in wrap fee programs or accept proxy‑voting authority.
Client services
Expertise
Fee options
$0 - $1,000,000: 1.00% annually $1,000,001 - $2,000,000: 0.80% annually $2,000,001 - $3,000,000: 0.70% annually $3,000,001 - >$3,000,000: 0.60% annually $0 - $5,000,000: 0.55% annually (Investment Management Services Only) $5,000,001+: 0.25% annually (Investment Management Services Only)
Commissions on the sale of insurance or other products received by associated persons who are insurance agents.
Main office
See office11440 West Bernardo Court, Suite 300
San Diego CA 92127
Advisors at this office
1
Offices (2)
Most active in
California
Also doing business as
Frank E. Montes Financial Services, Inc. · Torrey Pines Financial, Inc.
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
Quick links
Advisors at this firm
Frank M
Series 63, Series 65
San Diego, CA
Torrey Pines Financial, Inc.
Frank Montes is a financial advisor at Torrey Pines Financial, Inc. with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has operated Frank E. Montes Financial Services, Inc. since 2001. Montes receives commissions for insurance products including fixed and indexed annuities, life, medical, disability, long-term care, dental, and vision insurance. Torrey Pines Financial provides financial planning, consulting, and portfolio management services to individuals, trusts, estates, and retirement plans. The firm emphasizes fundamental analysis and Modern Portfolio Theory to develop diversified, long-term investment strategies, often allocating assets among independent third-party managers and focusing on manager selection and monitoring.
Michael R
Series 65
San Diego, CA
Torrey Pines Financial, Inc.
Michael Rosendahl is a financial advisor at Torrey Pines Financial, Inc. with eight years of industry experience. He holds a Series 65 designation and has worked at Frank E. Montes Financial Services, Inc. since 2018. In addition to his advisory role, he is a licensed insurance sales representative with Sun Life Financial, where he spends approximately half of his professional time. Torrey Pines Financial provides financial planning, consulting, and portfolio management services to individuals, trusts, estates, and retirement accounts. The firm emphasizes selecting and monitoring third-party asset managers and uses fundamental analysis and Modern Portfolio Theory to develop diversified, long-term investment strategies tailored to clients’ financial and tax situations.
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