{"url":"https://nivawealth.com/firms/financial-mountain-108489","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/108489","regulatoryAum":111337000,"crd":"108489","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5509377","suffix":null,"lastName":"MCINTYRE","firstName":"REID","middleName":null},{"crd":"4349021","suffix":null,"lastName":"ZIMBERG","firstName":"ROBERT","middleName":"DAVID"}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"secFileNumber":"801-135216","legalName":"Financial Mountain Inc","displayName":"Financial Mountain","slug":"financial-mountain-108489","website":"https://financialmountainonline.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Colorado corporation","fiscalYearEnd":"December","headquarters":{"street":"1035 Pearl Street Suite 414","city":"Boulder","state":"CO","stateName":"Colorado","country":"United States","postalCode":"80302"},"tradeNames":[],"registration":{"secApproved":"22 January 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":876669.2913385826,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":111337000,"discretionary":111337000,"discretionaryAccounts":449,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":90,"regulatoryAum":77000000},{"label":"High-net-worth individuals","clients":37,"regulatoryAum":34337000}],"feePrograms":[{"role":"main","program":"Asset management","feeBasis":"marginal","fee_tiers":[{"to":150000,"pct":1.5,"from":0},{"to":1000000,"pct":1,"from":150000},{"to":2000000,"pct":0.9,"from":1000000},{"to":null,"pct":0.8,"from":2000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=999126","versionId":999126,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2025-12-22","documentName":"ADV 2A & 2B","fee_rate_low":0.8,"fee_rate_high":1.5,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning and consulting","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=999126","versionId":999126,"submittedOn":"2025-12-22","documentName":"ADV 2A & 2B"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T11:59:54.171581+00:00","documents":[{"name":"ADV 2A & 2B","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=999126","versionId":999126,"submittedOn":"2025-12-22"}]},"custodians":[{"name":"Fidelity Investments","shortName":"Fidelity","location":"Boston, MA","smaAssets":111337000}],"custodyNote":"Financial Mountain does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Robert Zimberg","title":"President/Chief Compliance Officer/Secretary","crd":"4349021"}],"ownership":[{"label":"Robert Zimberg","detail":"President/chief compliance officer/secretary in the 75% or more ownership band and a control person, since December 1991."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Colorado","offices":1,"addresses":[{"street":"1035 Pearl Street Suite 414","city":"Boulder","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"303-351-1517","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":20},{"label":"Securities issued by registered investment companies or business development companies","percent":60},{"label":"Cash and cash equivalents","percent":20}],"privateFunds":0},"sources":{"adv1FilingDate":"22 December 2025","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/108489/PDF/108489.pdf","brochureDate":"22 December 2025","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=999126","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Financial Mountain have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Financial Mountain offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Financial Mountain charge?","answer":"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.","source":"ADV 2A & 2B, filed 22 December 2025","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Financial Mountain use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Financial Mountain have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Financial Mountain invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Financial Mountain?","answer":"Financial Mountain’s direct owner is Robert Zimberg (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 22 December 2025","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Financial Mountain get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Financial Mountain?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 22 December 2025","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}