Two Generations, One Team
20 Years of Friendship. A Lifetime of Partnership.
Frank Montes and Michael Rosendahl have been friends and colleagues for two decades. What started as a mentorship evolved into a true partnership—and a unique advantage for our clients.
When you work with us, you work with a true team. Two generations with different perspectives, complementary strengths, and a shared commitment to comprehensive retirement planning.
This brings more expertise, more attention to detail, and something rare in financial planning: guaranteed continuity.
Why We Do This
It Started with Coaching
Frank and Michael's friendship began through coaching youth football.
That passion for teaching became the foundation of Torrey Pines Financial.
The best outcomes happen when everyone's part of the team. When you understand your plan and feel confident in every decision. When you're actively involved in building your financial future with expert guidance.
That's why education is central to everything here. You'll understand the "why" behind every recommendation. You'll see exactly how your plan works, down to the finest detail.
When everyone's rowing in the same direction, two things happen: better results and a more enjoyable process.
Our clients feel like family because they're part of the partnership.
That's the goal: education, clarity, and true partnership
Boutique Service.
Enterprise Tools
Torrey Pines Financial is a boutique advisory firm-but boutique doesn’t mean limited.
Our clients have access to institutional-grade planning software, real-time portfolio monitoring, and secure client portals that provide 24/7 visibility into their retirement plan.
And because many of our meetings are virtual, geography doesn't matter. Whether you're in San Diego or across the country, you get the same level of service, accessibility, and technology.
The combination is rare: the personal attention of a boutique firm with the tools and capabilities of a much larger operation.
You're never just an account number here. You're family—with all the technology to back it up.
Executive Team
Frank Montes
Founder
Lead Advisor, CRPC™
Frank has over 35 years experience as a Financial Advisor. He is married with two adult children and lives in San Diego. He is currently in his 20th season volunteering as a youth football coach (Torrey Pines High School).
Michael Rosendahl
Partner
Lead Advisor, CRPC™
Michael has 9 years experience as a Financial Advisor and 20 years in the financial services sector. He is married and lives in Santa Monica. He’s passionate about health & fitness and he is a 9 time Ironman Finisher.