Joseph Montanaro
GAP Financial Services · Fair Oaks Ranch, Texas
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.
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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 | $132.0M across 293 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in TX · CRD 2546723 |
| Exams passed | Series 63 (1994) · Series 65 (1996) |
| Firm size | 5 employees |
| Disclosures | None reported |
| Website | www.gapfinancialservices.com |
How Joseph's firm compares
- GAP Financial Services's average account is about $451,000, from its Form ADV (assets managed divided by 293 accounts).
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Questions about Joseph
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in Texas
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
- 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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