Aton Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers. Financial planning was provided to 1–10 clients last fiscal year. The firm advises 5 private funds.
Aton Financial reports 274 clients. They include 169 individual clients, 85 high-net-worth individuals, and 9 corporations and other businesses. Of its assets, 61.7% ($371M across 388 accounts) are managed with discretion; $230M across 34 accounts are not. Of its clients, 6% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 62% | 7% |
| High-net-worth individuals | 31% | 57% |
| Pooled investment vehicles | 2% | 29% |
| Pension and profit-sharing plans | 2% | 1% |
| Charitable organizations | Fewer than 5 | <1% |
| Other client typesCorporations and other businesses | 3% | 6% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 169 | $42.5M | 7.1% | $251K |
| High-net-worth individuals | 85 | $343M | 57.1% | $4.03M |
| Pooled investment vehicles | 5 | $172M | 28.7% | $34.5M |
| Pension and profit-sharing plans | 6 | $7.12M | 1.2% | $1.19M |
| Charitable organizations | Fewer than 5 | $2.32M | 0.4% | — |
| Corporations and other businesses | 9 | $33.8M | 5.6% | $3.76M |
| Total | 274 | $601M | 100% | — |
- Clients
- 169
- Regulatory AUM
- $42.5M
- AUM share
- 7.1%
- Avg. per client
- $251K
- Clients
- 85
- Regulatory AUM
- $343M
- AUM share
- 57.1%
- Avg. per client
- $4.03M
- Clients
- 5
- Regulatory AUM
- $172M
- AUM share
- 28.7%
- Avg. per client
- $34.5M
- Clients
- 6
- Regulatory AUM
- $7.12M
- AUM share
- 1.2%
- Avg. per client
- $1.19M
- Clients
- Fewer than 5
- Regulatory AUM
- $2.32M
- AUM share
- 0.4%
- Avg. per client
- —
- Clients
- 9
- Regulatory AUM
- $33.8M
- AUM share
- 5.6%
- Avg. per client
- $3.76M
Total
- Clients
- 274
- Regulatory AUM
- $601M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 6%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 5
- Financial planning clients last fiscal year
- 1–10
Aton Financial charges 0.75%–1.50% a year for its Asset Management Fees. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $1,500 annual minimum. The brochure also prices 4 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$100K | 1.50% |
| $100K–$250K | 1.40% |
| $250K–$500K | 1.30% |
| $500K–$1M | 1.15% |
| $1M–$3M | 1.00% |
| $3M and above | 0.75% |
Fee details and sources
Other fees
- Annual Retainer for Consulting or Planning
- Investment consulting or financial planning on an annual retainer of up to $15,000 per year, negotiable.
- Comprehensive Financial Planning
- One-time fixed fee of $5,000, negotiated and agreed in writing with the client.
- Hourly Advice
- Investment advisory or financial planning advice billed at $250 per hour, agreed in advance.
- Ongoing Financial Planning
- Fixed fee of $500 per month for ongoing financial planning, contracted in advance.
Marko Rendic owns 50% to 75% of Aton Financial. It has 9 employees, 7 of them in advisory roles.
Leadership
- Marko RendicManaging Member and CCO
- Christopher McDowallInvestment Advisor Representative
- Carmen Trigo SuarezInvestment Advisor Representative
Investment adviser representatives
7 representatives listed in the SEC register as of 9 October 2026.
Staff
- 9 employees
- 7 in advisory functions
- 7 state-registered reps
- 7 insurance agents
- Owns 50% to 75% of Aton Financial LLC
Marko Rendic
Control person · since August 2014
- Owns 25% to 50% of Aton Financial LLC
Christopher McDowall
Control person · since December 2016
- Owns 10% to 25% of Aton Financial LLC
Carmen Trigo Suarez
Control person · since January 2018
Aton Financial’s regulatory assets grew 2.2× from $268M (July 2021) to $601M (July 2026); clients rose from 190 to 274 and employees were 9 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| July 2026 | $601M | 274 | 9 | 3 |
| March 2025 | $469M | 260 | 9 | 1 |
| May 2024 | $429M | 226 | 9 | 1 |
| July 2023 | $311M | 849 | 9 | 1 |
| March 2022 | $312M | 199 | 9 | 1 |
| July 2021 | $268M | 190 | 9 | 1 |
Besides its headquarters, Aton Financial has 2 offices (2 private residences, listed without an address), with 1 listed address in Puerto Rico.
Puerto Rico · 1 listed address
- 1116 Ponce De Leon, Suite 300, San JuanHQ
Contact and registration details
- Legal name
- Aton Financial LLC
- Headquarters
- 1116 Ponce De Leon, Suite 300, San Juan, PR 00907
- Website
- atonfinancial.com
- Phone
- 787-725-6070
- SEC file
- 801-112925
- Structure
- Puerto Rico LLC
- Fiscal year end
- December
Aton Financial uses Charles Schwab ($336M, 88%) and Goldman Sachs & Co. ($46.9M, 12%) as custodians for its separately managed accounts. Aton Financial has custody of $16M in client assets for 1 client.
- Goldman Sachs & Co.Goldman Sachs & Co. LLC · New York, NY · $46.9M12%
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $336M88%
At year end, Aton Financial’s separately managed accounts were largely in bonds (32%) and stocks (31%).
What the accounts hold
- Stocks31%
- Exchange-traded equities30%
- Non-exchange-traded equities1%
- Funds27%
- Registered funds26%
- Pooled vehicles1%
- Bonds32%
- U.S. government and agency bonds29%
- State and local bonds2%
- Investment grade corporate bonds1%
- Cash6%
- Other4%
- Derivatives4%
How many clients does Aton Financial have?
Aton Financial has 274 clients and manages $601 million for them, as of July 2026. They include 169 individual clients, 85 high-net-worth individuals, and 9 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 1 July 2026
What services does Aton Financial offer?
Aton Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Aton Financial charge?
Aton Financial charges 0.75%–1.50% a year for its Asset Management Fees. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $1,500 annual minimum.
Which custodians does Aton Financial use?
Aton Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $336M and Goldman Sachs & Co. LLC (New York, NY), with $46.9M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 July 2026
How many financial advisors does Aton Financial have?
Aton Financial has 7 investment adviser representatives registered with state securities authorities, out of 9 employees, and 7 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 7 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Aton Financial invest in?
At the end of its last fiscal year, Aton Financial’s separately managed accounts held 30% exchange-traded equities, 29% U.S. government and agency bonds, 26% registered funds (mutual funds, ETFs, BDCs), 6% cash and equivalents, 4% derivatives, 2% state and local bonds, 1% non-exchange-traded equities, 1% investment grade corporate bonds and 1% pooled vehicles (private funds and similar). It advises 5 private funds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Aton Financial?
Aton Financial’s direct owners are Marko Rendic (50% to 75%), Christopher McDowall (25% to 50%) and Carmen Trigo Suarez (10% to 25%).
Source: Form ADV Part 1A, Schedules A and B, filed 1 July 2026
How does Aton Financial get paid?
Aton Financial is paid through a percentage of assets under management, hourly charges, fixed fees and performance-based fees. Its Form ADV lists no commissions among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Aton Financial registered with the SEC?
Yes, Aton Financial has been registered with the SEC as an investment adviser since 10 April 2018. Its CRD number is 173070 and its SEC file number is 801-112925.
Source: Form ADV Part 1A, Item 1, filed 1 July 2026; IAPD firm record
How do I contact Aton Financial?
Aton Financial’s main office is at 1116 Ponce De Leon, Suite 300, San Juan, PR 00907. Its phone number is 787-725-6070. Its website is atonfinancial.com.