Mountaintop Wealth

Mountaintop Wealth LLC provides investment management, wealth management, and a range of financial planning services to individuals, high‑net‑worth clients, charitable organizations, and businesses. Like many independent advisers, the firm generally charges asset‑based advisory fees, offers portfolio management for individuals, and can manage accounts on either a discretionary or non‑discretionary basis; it also uses XY Investment Solutions as a sub‑advisor for model portfolios.

The firm develops individualized investment policies and asset allocation targets informed by a mix of fundamental, technical, charting, and cyclical analysis and guided by Modern Portfolio Theory, combining strategic and tactical allocation and a blend of passive and active vehicles (mutual funds, ETFs, and individual securities). Clients receive written financial plans and ongoing monitoring, with account reviews typically conducted quarterly and planning available on ongoing, project, or hourly arrangements.

A distinguishing aspect of Mountaintop Wealth is its formal financial education and speaking program: the firm offers seminars and speaking engagements (ranging from free to paid, and sometimes provided pro bono) and operates MW Education LLC to deliver digital and in‑person courses. The owner’s CFP® credential and public‑facing roles — including service as Director of Financial Empowerment and regional VITA coordinator — support the firm’s emphasis on financial literacy and community education.