Montis Financial is a fee-only adviser. Specifically, our compensation comes exclusively from the clients in the form of either a fixed, flat hourly fee or, more frequently, a percentage fee calculated as a percentage of assets monitored. There are no performance based fees. Montis receives no compensation from the purchase or sales of financial products, such as commission, surrender charges, or 12(b) 1 fees. Montis is an independent financial advisory firm and no related party compensation applies. There is no compensation that may result from a client referral agreement.