What Is Montis Financial?

Montis Financial is a fee-only financial planning and wealth management firm based in Boston, Massachusetts. It works with individuals and families — specifically working professionals, retirees, and business owners — on growing, protecting, and planning their wealth. If you are looking for an independent firm that positions financial planning as an educational, customized process rather than a product sale, Montis is structured around that model.

What Montis Financial Does

The firm describes its core offering as a customized planning experience: listening to what a client wants to accomplish, reviewing what they have done to date, and then building a plan to reach the outcomes they want. In practice, that covers two connected areas:

• Financial planning — goal-setting, retirement planning, and coordinating financial decisions across a household's full picture.
• Wealth management — managing and growing assets to support a client's lifestyle and long-term objectives.

Montis presents itself as independent, fee-based, thorough, education-focused, and forward-thinking. Those labels matter when comparing firms: "fee-only" and "independent" generally mean the firm is not tied to selling proprietary products or earning commissions, which changes how advice gets paid for and, in principle, whose interests come first.

Who It Serves

Montis organizes its services around three client profiles, each with a different set of financial pressures:

The common thread is complexity: benefits packages, distribution timing, or the overlap between a business's finances and a household's.

How the Process Works

Based on the firm's own description, the engagement follows a listening-first sequence:

1. Listen — understand what you want to accomplish.
2. Review — assess what you have done financially to date.
3. Plan — create a plan aimed at your desired outcomes.
4. Partner — stay involved in your ongoing financial decision-making.

The firm frames itself as a partner in decisions rather than a one-time advisor, and emphasizes that its experience means it already knows which questions to ask.

What to Check Before Contacting Them

Because Montis is fee-only, the natural next questions are about cost and fit — and those are best confirmed directly with the firm rather than assumed:

• Fee structure: Ask whether fees are charged as a percentage of assets, a flat planning fee, or a combination, and what the minimum engagement looks like.
• Service fit: Confirm whether your situation matches one of the three profiles above, or whether they take clients outside them.
• Fiduciary status: Ask them to confirm their fiduciary standard in writing.
• First meeting: Ask what information to bring so the initial conversation is productive.

If you are a working professional with a complicated benefits structure, a pre-retiree focused on distribution strategy, or a business owner whose personal and business finances are tangled together, Montis is built around exactly those cases. If your needs are simpler — a single account to manage, for example — it is worth asking whether the firm's planning-led model is the right level of service before you commit.