FAQs

We responsibly select and manage your investments so you don’t have to. It’s called investment management. We also provide financial advice and REcommendations for retirement through our financial planning service. Our premium service is Wealth Management. You get to combine the services above PLUS TAX PLANNING.

If we are managing your investments, your money will be held at Charles Schwab, a large financial services firm that supports independent firms like ours. They serve as the custodian of your money. YOU will have access to your account(s) through the charles schwab app and website to 

No, at Mountaintop Wealth we don’t sell products, we provide recommendations for your best interest to help solve your unique FINANCIAL situation. WE DO THIS WITH A SKILL SET KNOWN AS FINANCIAL PLANNING. Plus, we help you get the answers without taking a commission from banks, insurance companies, or brokerage investment companies. 

NO. In the finance industry, WE ARE called A fee-only planning FIRM. It means your payment relationship is made directly with US. This is important because some (not all) advisors are limited to SELLING products at certain companies which may be more expensive to you and less effective solutions. Does your current advisor OR AGENT MAKE SALES commission OFF OF WHAT YOU BUY? You may want to find out. As a fee-only firm, our loyalty is to you.  The LA Times explains this in more detail, click here.

• • PAYMENTS ARE MADE MONTHLY OR QUARTERLY FROM THE INVESTMENT ACCOUNTS WE MANAGE AT CHARLES SCHWAB. IF WE DON’T MANAGE YOUR INVESTMENTS, PAYMENTS CAN BE MADE WITH A DEBIT/CREDIT CARD.  
  • The price is based upon the complexity of the client’s financial profile and therefore the resources required to service the client during the year. *

*Our price quotes are invoiced prior to any signed agreement. Complex requests/research/ and the size of resources may increase price.