Mountain River Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$17,577,290
Total clients
28
25% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
28
Average account size
$627,760
About
Mountain River Financial serves individual and high‑net‑worth clients, offering comprehensive financial planning and portfolio management. Its engagements include written financial plans and an ongoing planning relationship in which investment management is provided as part of the planning service rather than as a separate, stand‑alone offering.
The firm’s investment approach is grounded in Modern Portfolio Theory and emphasizes passive, long‑term, globally diversified allocations implemented mainly with index mutual funds and exchange‑traded funds. Portfolios are managed on a discretionary basis with an emphasis on asset‑class allocation and low‑turnover, tax‑aware implementation rather than market timing or active stock selection.
As a single‑advisor, CFP®‑led practice with about $17.6 million in reported discretionary AUM and a small client base, Mountain River Financial uses a tiered, household‑net‑worth monthly fee model instead of a conventional percentage‑of‑AUM advisory billing arrangement. The firm also discloses that it does not accept third‑party product compensation, does not take custody of client assets, and does not aggregate trades (block trading), features that distinguish its operating and execution practices from many larger peers.
Client services
Financial planning
Portfolio management
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Business ownership considerations
General estate planning guidance
Fee options
$0 - $500,000: 0.60% annually $500,001 - $1,000,000: 0.60% annually $1,000,001 - $2,000,000: 0.50% annually $2,000,001 - $4,000,000: 0.40% annually $4,000,001 - $6,000,000: 0.35% annually $6,000,001 - $8,000,000: 0.30% annually $8,000,001 - $12,000,000: 0.25% annually $12,000,000+: 0.20% annually
Account minimum: No minimum account size requirement; however, the minimum annual fee is $3,600 per year. Minimum fee: Minimum fee of $3,600 per year Fee-only: Fixed monthly fees calculated based on tiered annual percentage of household net worth, paid monthly in arrears.
Main office location
Mountain River Financial
Jenkintown PA, United States
Number of offices
1
Most active in
Mountain River Financial has reported serving >5 clients in these states in the last 12 months.
Pennsylvania
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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")