Frank Montes
Torrey Pines Financial · San Diego, California
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.
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Specialties
Who they serve
- Retirees
- Pre-retirees
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 |
| Accepting new clients | Yes |
| Assets under management | $34.8M across 78 accounts |
| SEC registration | Investment adviser representative in CA · CRD 2167168 |
| Exams passed | Series 63 (1993) · Series 65 (2017) |
| Firm size | 2 employees |
| Disclosures | None reported |
| Website | www.torreypinesfinancial.com |
| Profile |
How Frank's firm compares
- Torrey Pines Financial's average account is about $446,000, from its Form ADV (assets managed divided by 78 accounts).
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Questions about Frank
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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
- Torrey Pines Financial website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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