# Frank Montes

> Frank Montes is a fee-only financial advisor at Torrey Pines Financial in San Diego, California. Frank charges a percentage of assets (1% a year on the first tier of assets managed) and focuses on retirement planning and tax planning.

Page: https://find.wellspent.co/advisors/frank-montes/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Torrey Pines Financial
- **Based in:** San Diego, California
- **Fee model:** Percentage of assets
- **Fees (firm's website):** 1% a year on the first tier of assets managed
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $34.8M across 78 accounts
- **Specialties:** Retirement planning, Tax planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 2167168 (https://adviserinfo.sec.gov/individual/summary/2167168)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 63 (1993), Series 65 (2017)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://www.torreypinesfinancial.com

## Frequently asked questions

### Is Frank Montes a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Frank holds no broker registration, and Torrey Pines Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Frank charge for financial advice?

Frank charges a percentage of assets.

### How much does Frank charge?

According to Torrey Pines Financial's website, checked October 30, 2026: 1% a year on the first tier of assets managed.

### Does Frank work with clients virtually?

Yes. Torrey Pines Financial says on its website that it works with clients remotely.

### Where is Frank Montes based?

Frank Montes is based in San Diego, California.

### What does Frank specialize in?

Frank's specialties include retirement planning and tax planning. Frank works with retirees and pre-retirees.

### Is Frank Montes registered with the SEC?

Yes. Frank Montes is registered as an investment adviser representative in CA (CRD 2167168), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Torrey Pines Financial manage?

Torrey Pines Financial reports $34.8M across 78 accounts in assets under management.

### How do I contact Frank Montes?

Through Frank's website, www.torreypinesfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/2167168): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.torreypinesfinancial.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.