Financial Mountain provides financial planning and portfolio management for individuals and small businesses.
Financial Mountain reports 127 clients. They include 90 individual clients and 37 high-net-worth individuals. Of its assets, 100.0% ($111M across 449 accounts) are managed with discretion. Of its clients, 1% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 71% | 69% |
| High-net-worth individuals | 29% | 31% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 90 | $77M | 69.2% | $856K |
| High-net-worth individuals | 37 | $34.3M | 30.8% | $928K |
| Total | 127 | $111M | 100% | $877K |
- Clients
- 90
- Regulatory AUM
- $77M
- AUM share
- 69.2%
- Avg. per client
- $856K
- Clients
- 37
- Regulatory AUM
- $34.3M
- AUM share
- 30.8%
- Avg. per client
- $928K
Total
- Clients
- 127
- Regulatory AUM
- $111M
- AUM share
- 100%
- Avg. per client
- $877K
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Financial Mountain charges 0.80%–1.50% a year for its Asset management. Each asset band is charged at its own rate. The fee is billed in advance. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$150K | 1.50% |
| $150K–$1M | 1.00% |
| $1M–$2M | 0.90% |
| $2M and above | 0.80% |
Fee details and sources
Other fees
- Financial planning and consulting
- A fixed fee, never to exceed $5,000 depending on complexity, billed on completion of the plan; FMI reserves the right to waive it if the plan is implemented through FMI.
Robert Zimberg owns 75% or more of Financial Mountain. The leadership team of Financial Mountain includes President Robert Zimberg. It has 2 employees.
Leadership
- Robert ZimbergPresident/Chief Compliance Officer/Secretary
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 2 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Financial Mountain Inc
Robert Zimberg
Control person · since December 1991
Besides its headquarters, Financial Mountain has 0 offices, with 1 listed address in Colorado.
Colorado · 1 listed address
- 1035 Pearl Street Suite 414, BoulderHQ
Contact and registration details
- Legal name
- Financial Mountain Inc
- Headquarters
- 1035 Pearl Street Suite 414, Boulder, CO 80302
- Website
- financialmountainonline.com
- Phone
- 303-351-1517
- SEC file
- 801-135216
- Structure
- Colorado corporation
- Fiscal year end
- December
Financial Mountain uses Fidelity ($111M) as custodian for its separately managed accounts. Financial Mountain does not have custody of client assets.
- FidelityFidelity Investments · Boston, MA · $111M100%
At year end, Financial Mountain’s separately managed accounts were mostly in funds (60%) and stocks (20%).
What the accounts hold
- Stocks20%
- Funds60%
- Cash20%
How many clients does Financial Mountain have?
Financial Mountain has 127 clients and manages $111 million for them, as of December 2025. They include 90 individual clients and 37 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 22 December 2025
What services does Financial Mountain offer?
Financial Mountain provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Financial Mountain charge?
Financial Mountain charges 0.80%–1.50% a year for its Asset management. Each asset band is charged at its own rate. The fee is billed in advance.
Which custodians does Financial Mountain use?
Financial Mountain’s separately managed account assets are held at Fidelity Investments (Boston, MA), with $111M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 22 December 2025
How many financial advisors does Financial Mountain have?
Financial Mountain has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Financial Mountain invest in?
At the end of its last fiscal year, Financial Mountain’s separately managed accounts held 60% registered funds (mutual funds, ETFs, BDCs), 20% exchange-traded equities and 20% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Financial Mountain?
Financial Mountain’s direct owner is Robert Zimberg (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 22 December 2025
How does Financial Mountain get paid?
Financial Mountain is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Financial Mountain?
Financial Mountain’s main office is at 1035 Pearl Street Suite 414, Boulder, CO 80302. Its phone number is 303-351-1517. Its website is financialmountainonline.com.