# Joseph Montanaro

> Joseph Montanaro is a fee-only financial advisor at GAP Financial Services in Fair Oaks Ranch, Texas, who holds the CFP credential. GAP Financial Services reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/joseph-montanaro/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** GAP Financial Services
- **Based in:** Fair Oaks Ranch, Texas
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $132.0M across 293 accounts
- **Credentials:** CFP
- **CRD:** 2546723 (https://adviserinfo.sec.gov/individual/summary/2546723)
- **SEC registration:** Investment adviser representative in TX
- **Exams passed:** Series 63 (1994), Series 65 (1996)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** http://www.gapfinancialservices.com

## Frequently asked questions

### Is Joseph Montanaro a fee-only financial advisor?

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

### How does Joseph charge for financial advice?

Joseph's firm, GAP Financial Services, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Joseph Montanaro based?

Joseph Montanaro is based in Fair Oaks Ranch, Texas.

### What credentials does Joseph Montanaro hold?

Joseph Montanaro holds the CFP credential.

### Is Joseph Montanaro registered with the SEC?

Yes. Joseph Montanaro is registered as an investment adviser representative in TX (CRD 2546723), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does GAP Financial Services manage?

GAP Financial Services reports $132.0M across 293 accounts in assets under management.

### How do I contact Joseph Montanaro?

Through Joseph's website, www.gapfinancialservices.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/2546723): 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

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