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 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.