M
Mende Financial Council, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$5,053,951
Clients
12
33% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
12
LowAverage account size
$421,163
About
Mende Financial Council, Inc. provides wealth management and financial planning services to individual and high‑net‑worth clients, offering continuous advice and discretionary portfolio management. Like many independent advisers, it charges asset‑based advisory fees and may recommend third‑party professionals when needed.
The firm’s investment approach emphasizes asset allocation grounded in Modern Portfolio Theory and uses a mix of passive and active strategies with a long‑term orientation. Mende also uses model portfolios available through Altruist’s Model Marketplace and may engage outside managers, while allowing clients to impose reasonable written investment restrictions.
Noteworthy features include its recent registration and a relatively small scale by assets and client count (about $5.0 million in AUM and roughly a dozen clients), paired with an institutional relationship with Altruist that provides digital onboarding and integrated model access. The firm states it is fee‑only with no third‑party compensation, does not aggregate or block‑trade client orders, and relies on custodian statements rather than providing separate written performance reports.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Wealth management
Passive / index investing
Active portfolio management
Cash flow / budgeting
Fee options
0.75% annually, negotiable
Fee-only: Fee-only firm, no commissions or other sales-related compensation
Main office location
Mende Financial Council, Inc.
Pacific Grove CA, United States
Number of offices
1
Most active in
Mende Financial Council, Inc. has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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
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