Moneta Group Review

Pros and Cons of Moneta Group

Types of Clients

Moneta Group serves individuals with both standard and high net worth. It also works with institutional clients, such as employer sponsored retirement, pension and profit-sharing plans (e.g., 401(k), 403(b), 457(b), etc.), charitable organizations, and corporations.

The firm doesn’t list a minimum investment requirement on its website or its client-facing brochure material (Form ADV Part 2A). However, in its Form CRS, Moneta highlights that it desires to work with clients who have a “long-term investment focus.”

As we’ll discuss further, the firm also has a family office service independent of its primary set of advisory offerings. While there’s no minimum at the company, the industry standard for this service is for UHNW clients with over $30 million.

Financial Advisor Services

Moneta Group features many advisory services for its clients. The firm positions itself and its catalog of services as a Family CFO, covering investment advisory, comprehensive planning, and administrative help. However, it also offers its services in standalone arrangements. According to its Form CRS, depending on your circumstances, you may have all its services or as many as needed.

Here is a look at what Moneta provides for individual and family clients:

• Discretionary investment management. The company manages your portfolio on your behalf and makes decisions on buying and selling assets and rebalancing as per your goals, risk tolerance, and time horizon.
• Non-discretionary investment management. Moneta manages your portfolio and delivers investment recommendations; however, you retain control over all final decisions.
• Held-away asset advice. The firm advises elements of your portfolio that aren’t held at qualified custodians of the firm, subject to your approval.
• Financial planning. This includes recommendations and a strategy for several areas of your financial picture, including retirement, taxes, your estate, and more.
• Bill pay and bookkeeping. The firm assists with administrative tasks, such as managing bills and accounting.
• Family office. Moneta offers a full-service family office for HNW families that combines several specialized offerings such as family governance, investment and cash flow management, estate and tax planning, charitable giving, and more.

Fee Structure

Fees at Moneta Group vary depending on the service(s) you receive and the type of arrangement you have with your advisor. The firm notes that its fees are negotiable for each client and, while rates are shown as annual, billing generally occurs quarterly.

Here’s an overview of Moneta’s fee structures:

• A percentage of assets under management (AUM) fee is the firm’s primary fee model, ranging from 0.20% to 1.0% depending on portfolio size. Moneta uses a tiered structure that increases the amount you pay as your assets grow.
• Flat or fixed fees for financial planning and, in some cases, investment management. Exact fees depend on the complexity of your situation and needs.
• Hourly fees are available for financial planning and other one-off services and projects.

Investment Philosophy

It’s essential to understand how a firm approaches investing and portfolio management before starting as a client. By doing so, you can more clearly decide if it’s the right company or advisory experience for you. Some elements to consider include the firm’s typical asset allocations, risk tolerance, and management style (i.e., active vs. passive).

As evident in Moneta’s Form ADV Part 2A (“Methods of Analysis, Investment Strategies and Aspects Relative to the Risk of Loss” section), diversification is a primary philosophy when constructing client portfolios, incorporating multiple asset classes as needed (e.g., equities, fixed-income, alternatives, etc.). It notes that it selects investments based on key factors like your goals, risk tolerance, and time horizon.

Disclosures

Moneta Group Investment Advisors, LLC is a registered investment advisor (RIA) with the SEC. As a result, it must file annual Form ADV documents, which are public. These documents give insight into a firm’s reputation, including disciplinary or regulatory history, conflicts of interest, and business practices.

Moneta Group has no disclosures in its latest SEC filing. This is a good sign. Still, you should research any firm or professional you’re considering, using credible resources like the SEC’s IAPD tool and FINRA’s BrokerCheck.

Customer Service and Becoming a Client

To get in contact with Moneta Group, either for support or more information, you have a few options:

• Visit the firm’s “Contact Us” page and fill out the form.
• Call (314) 726-2300.
• Call or email your current financial advisor (for existing clients).

To become a client with Moneta, you can start by using the firm’s contact form to request an appointment with an advisor. Another method is to click the “Find an Advisor” button on the company’s website, which allows you to search professionals by name, browse all the firm’s experts, or request an outreach call with an advisor.

As of 2025, Moneta has seven offices in the following locations:

• Boston, MA
• Moorestown, NJ
• Chicago, IL
• St. Louis, MO
• Kansas City, KS
• Denver, CO
• Boulder, CO

Methodology

This review is based on publicly available information directly from Moneta Group’s website and the SEC. Neither the firm nor its representatives have any say on what we’ve included on this page.

Frequently Asked Questions

Is Moneta Group a fiduciary?

Moneta Group must uphold a fiduciary standard because of its registration with the SEC as an investment advisor. This means it must prioritize its clients’ goals and avoid and disclose all conflicts of interest whenever present. Another sign that the firm is a fiduciary is that it operates on a fee-only structure and doesn’t earn compensation via commissions.

Is Moneta Group good?

Moneta Group is a large firm with a long history. It has a well-earned reputation, with a top-ten rating in Barron’s 2025 Top RIA Firms list and a top-20 ranking in Financial Advisor Magazine’s 2025 RIA Ranking. It offers a full set of services, including financial planning, investment management, and a family office. Fees at the firm are also negotiable and are within industry averages of around 1% or below.

However, to determine if Moneta is the right firm for you, you’ll need to decide what’s most valuable in a financial advisor. While the company has many of the qualities and accolades you’d expect from a top-tier RIA, be sure to consider qualities like proximity, whether the costs are a good fit, or how you get along with its professionals. To gain a stronger sense of these, consider scheduling a introductory call or an in-person meeting.

Does Moneta only serve high-net-worth individuals?

Moneta works with a diverse clientele. While the HNW segment (assets of $1 million or more) comprises approximately 62% of its clientele, the firm also serves individuals with less than $1 million in investable assets, constituting about 33% of its client base. As noted above, Moneta Group doesn’t list an account minimum, so it’s worth checking with the firm or setting up an initial consultation to see if you can become a client.