Financial Mountain Inc

Financial Mountain serves individual and high-net-worth clients with discretionary asset management and standalone financial planning and consulting. Services include customized portfolio management, ongoing monitoring, and written plans addressing cash flow, retirement, tax, and estate matters.

The firm tailors investment programs to each client’s objectives and risk tolerance using fundamental and technical analysis alongside modern portfolio theory. Portfolios may employ a range of techniques — including options, margin, short sales, leverage, and other derivatives — and the firm performs periodic rebalancing and looks for tax-loss harvesting opportunities under discretionary authority.

Noteworthy for a small advisory team, the firm has operated since 1991 and manages over $100 million for roughly 127 clients, producing a relatively high assets-under-management per advisor. The firm manages accounts directly (it does not select external managers), allows client-directed brokerage in limited situations, and may waive fixed planning fees if a client implements recommendations through the firm, a practice the brochure identifies as a potential conflict of interest.