Monte Financial Group. LLC (MFG) is a wealth advisor and investment management firm located at 30 Long Hill Rd in Guilford Connecticut. MFG was formed by Robert J. Monte, the firm’s President, principal owner, and Chief Compliance Officer, on June 19, 2009, and has been in business ever since. MFG offers Private Wealth Services and Institutional Services as further described below. MFG’s provides private wealth services for individuals, their families, and affiliated parties, including trusts formed by such individuals, their estates, charitable giving accounts, IRA’s, and other retirement plans. MFG also provides separate account management services to institutional clients, which typically include foundations, trusts, endowments, pension, and profit-sharing plans, as well as high net worth families. As of December 31, 2023, the total regulatory assets under management with MFG were $372,789,483, all of which is managed on a discretionary basis. PRIVATE WEALTH SERVICES As more fully disclosed below, MFG’s provides wealth management strategies and investment management services for private wealth clients. MFG also offers a broad range of comprehensive financial planning and consulting services which may include tax-related and other non-investment related matters. MFG serves as a fiduciary to clients as defined under applicable laws and regulations. As a fiduciary MFG upholds the duty of loyalty, fairness and good faith towards each client and seeks to mitigate conflicts of interest. MFG’s fiduciary commitment is further described in the Code of Ethics. For more information regarding Code of Ethics please see item 11 Code of Ethics. Private Wealth Investment Management Our Investment Management services include providing discretionary, continuous advice to clients regarding the investment of client funds that is tailored to the individual needs of the client. Through personal discussions and our data-gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we also review and discuss a client’s prior investment history, as well as family composition and background. We develop a client’s personal investment policy and create and manage on a discretionary basis an investment portfolio based on that policy. As more fully detailed in Item 8 of this Brochure, we typically create and manage a portfolio primarily comprised of individual equity and fixed income securities, allocating the client’s assets among various investments taking into consideration the overall management style selected for the client. To further diversify client assets, unaffiliated, independent investment managers, exchange-traded funds (ETFs) and/or mutual funds may be included in client portfolios and are selected based on any or all of the following criteria: the performance history; the category in which the fund invests; the track record of the manager; investment objectives; management style; philosophy; and the management fee structure. Portfolio weighting between market sectors and funds are determined on a per account basis pursuant to each client’s individual needs and circumstances. Clients retain individual ownership of all securities. On an ongoing basis, we manage the portfolio of individual equity and fixed income securities and when included will monitor the performance of the independent investment manager(s), exchange-traded funds (ETFs) and/or mutual funds. If we determine that any of the independent investment manager(s), exchange-traded funda (ETFs) and/or mutual funds is not managing the client’s portfolio in a manner consistent with the client’s personal investment policy, then we many move that portion of the client’s portfolio to a different Independent Investment manager, exchange traded funds (ETFs) and/or mutual funds. At least annually, we meet with the client to review and update, as necessary, the client’s personal investment policy. However, should there be any material change in the client’s personal and/or financial situation, we should be notified immediately to determine whether any review and/or revision of the client’s personal investment policy is warranted. Private Wealth Financial Planning Generally, ongoing financial planning is offered as part of our investment management services. However, clients that are not a part of our investment management program can engage us specifically for financial planning. Our financial planning services include a comprehensive evaluation of a client’s current and future financial state. We gather information through in-depth personal interviews. Information gathered includes the client’s current financial status, tax status, future goals, return objectives and attitudes towards risk. Clients purchasing this service receive a written report which provides the client with a detailed financial plan designed to assist the client achieve his or her financial goals and objectives. Prior to implementing the plan, we suggest the client consult with his/her attorney, accountant, insurance agent, and/or other trusted advisor(s). Implementation of the financial plan recommendations is entirely at the client’s discretion. MFG’s step-by-step process is as follows:
• Define. In this step, we establish and define the relationship, which determines whether MFG can meet client expectations. This step involves an introductory meeting during which MFG provides a thorough explanation of our capabilities, philosophies about investing, client services, and fee structure.
• Gather. During this step, MFG determines

the client’s needs. At this point, we review the client’s assets and cash flow needs. This involves an in-depth discussion with the client regarding their needs, goals, and a risk assessment.
• Analyze / Evaluate. During this step, MFG builds the client’s investment strategy. MFG develops a course of action designed around the client’s current financial needs, risk tolerance, as well as the client’s goals. This step typically involves the input of the client’s other trusted advisors, such as his or her attorney and/or CPA.
• Plan. During this step, MFG presents the client’s personalized financial plan, stated investment policy and action plan. MFG explains the basics of the recommendation, the reasons why it believes it suits your specific needs and provide full disclosure of fees and expenses. In general, the financial plan can address any or all of the following areas:
• Personal: We review family records, budgeting, personal liability, estate information and financial goals.
• Tax & Cash Flow: We analyze the client’s income tax and spending and planning for past, current, and future years.
• Investments: We analyze various investment scenarios and their effect on the client’s portfolio. We also provide general non-securities advice on topics that may include tax, estate, and charitable planning. Financial Planning recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company. All recommendations are of a generic nature. Typically, the financial plan is presented to the client within six months of the contract date, provided that all information needed to prepare the financial plan has been promptly provided. Private Wealth Financial Consulting In the event a client does not wish to retain MFG for discretionary investment management services, they may instead utilize MFG for specific financial consulting services. This may include advice only on an as-needed basis and only in an isolated area(s) of concern such as nondiscretionary investment advice, liquidity management, longevity planning, risk management, tax planning, legacy planning, trust services and charitable giving. Prior to engaging MFG to provide any of the foregoing investment advisory services, the client is required to enter into Consulting Services Agreement with MFG setting forth the terms and conditions under which MFG renders our services (the “Consulting Agreement”). MFG offers Consulting Services and Financial Planning that do not include investment supervisory or investment management services, nor do they include the regular review or monitoring of the client’s investment portfolio. In the event that a client wants MFG to provide ongoing investment supervisory or investment management services, such an engagement will be set forth in a separate Investment Management Agreement, and the client will pay MFG Management Fees for such services. Consulting Services and Financial Planning clients will have the option of implementing MFG’s advice in their sole discretion, with the professional advisor(s) of the client’s choosing (including the client’s broker, accountant, attorney, etc.). The clients specifically acknowledge in the Consulting Agreement that MFG and its financial advisors’ role is that of facilitator between the client and his or her designated professional advisor(s). The clients retain absolute discretion over all such implementation decisions and are free to accept or reject any of MFG’s recommendations. From time to time and as agreed between the Consulting Services or Financial Planning clients and MFG, such clients may, in their discretion, request MFG to arrange for the purchase and sale of securities recommended by MFG and accepted by the client. Consulting Service and Financial Planning clients are under no obligation to act upon any of the recommendations made by MFG under their Consulting Agreements, nor are clients obligated to engage the services of any recommended professional (including those of MFG). As described in Item 8, MFG employs a step-by-step process in our approach to providing investment strategies. In performing any of our services, MFG is not required to verify any information received from the client or from the client’s other professionals (e.g., attorney, accountant etc.). The client specifically authorizes MFG and its financial advisors to rely on such information. Once engaged, the client is advised that it remains the client’s responsibility to promptly notify MFG if there is ever any change in its financial situation or investment objectives for the purpose of reviewing, evaluating, or revising MFG’s previous recommendations and/or services. However, for ongoing consulting arrangements MFG will provide, at minimum, semi-annual reviews to verify such information. INSTITUTIONAL SERVICES MFG offers separate account management services to institutional clients, which may be referred to MFG through their primary adviser or consultant. MFG generally offers institutional separate account services on a direct basis. Institutional accounts are subject to a specified investment minimum, which is $1,000,000 for our managed strategies. In addition, MFG may provide separate account management services on a sub-advisory basis which may be referred to by the client’s primary advisor. Sub advisory accounts are subject to a specified minimum account size of $500,000. Institutional and sub advisory clients may impose limited, client-specific investment restrictions, including restrictions on investing in certain securities or types of securities.