No commissions, no ads, no advice. This Moneta Group profile draws only on public records, each linked so you can confirm it yourself.
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Check the SEC adviser record. Open the SEC's IAPD record for Moneta Group (CRD #104727) and confirm its registration.
Read the filings. Review the Form ADV / Form CRS and any disclosure section linked from the IAPD page.
Confirm the entity. Match CRD #104727 / Moneta Group Investment Advisors so you're reading the right firm.
The short answer: is Moneta Group a fiduciary?
Yes. Moneta Group is a fiduciary. As a fee-only registered investment adviser, it owes you a duty to act in your interest for the whole advisory relationship, and it isn't a broker-dealer. Moneta Group is an SEC-registered investment adviser (CRD #104727) and reported $50.5 billion in regulatory assets under management as of its latest Form ADV (filed March 31, 2026). According to that filing, it serves about 9,163 clients, who between them hold 48,410 accounts, since one household often has several. Because it's fee-only, it's paid by clients and earns no commissions on products. Its Form ADV (Item 5.E) lists how it is paid: a percentage of assets under management, hourly charges, and fixed fees.
Its Form ADV doesn't report a broker-dealer registration or a related broker-dealer, so the adviser's fiduciary standard is the one that applies to its advice.
What "fiduciary" means: a fiduciary is legally bound to place a client's interests above its own. (More on fiduciary duty)
Moneta Group at a glance
✅ Verified from public filings, last checked October 5, 2026. Moneta Group (SEC CRD #104727) is a fiduciary for the whole advisory relationship, on a fee-only basis, with $50.5 billion in regulatory assets under management. Every figure below links to its primary source.
What | Moneta Group | Source |
|---|---|---|
SEC CRD | #104727 | |
Registration | Registered investment adviser (RIA), not a broker-dealer | |
Registered since | June 30, 1989 (SEC) | |
Fiduciary? | Yes, for the whole advisory relationship (fee-only RIA) | |
Fee model | Fee-only | Form ADV Item 5.E |
How it's paid | A percentage of assets under management, hourly charges, and fixed fees | Form ADV Item 5.E |
Regulatory Assets Under Management | $50.5 billion (Form ADV filed March 31, 2026) | |
Client accounts | 48,410 (36,367 discretionary) | |
Employees | 585 (239 in advisory roles) | |
Ownership | Owned by Moneta Group, LLC (holding entity) | |
Disclosures | Form ADV answers No to firm-level disciplinary questions | |
HQ | St. Louis, MO |
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Moneta Group fees: what you'll pay
Moneta Group is fee-only: its Form ADV (Item 5.E) reports client-paid fees, such as a percentage of assets, hourly or fixed fees, and no commissions. That structure avoids commission conflicts, though not every conflict (how fee-only pricing works).
Where the money sits shapes what a percentage fee means in dollars. According to Item 5.D of its Form ADV (2026), high-net-worth clients hold $44.62 billion, about 88% of the firm's assets and roughly $8 million each on average. The 3,380 clients classed as individuals hold $2.10 billion, closer to $620,000 each. You can check where your balance falls on the Part 2A fee schedule.
Our recommendation: ask Moneta Group for your own all-in rate in writing, in dollars as well as a percentage, and compare it with the Part 2A schedule before your next review. (Is your fee fair?)
Fee-only means the firm is paid only by its clients, never by commissions on the products it recommends.
Who owns Moneta Group, and what conflicts does it disclose?
Schedule A of its Form ADV lists Moneta Group, LLC as the owner of the registered adviser, whose legal name is Moneta Group Investment Advisors. In plain terms, the adviser you sign with is a separate legal entity from the holding company named as its owner, even though both carry the Moneta Group name. Schedule A names direct owners only. To see who stands behind Moneta Group, LLC, open Schedule B on the same IAPD record, which lists indirect owners. (Form ADV Schedule A)
Its Form ADV Part 2A describes the firm's conflicts of interest, including how it and its advisers are paid.
Moneta Group SEC record: disclosures
On its Form ADV, Moneta Group answers No to the firm-level disciplinary-history questions. You can confirm that on the public record. Individual advisers can have their own records, so look them up on IAPD and BrokerCheck too. Any Moneta Group disclosures sit on the public record, not on anyone's characterization of them.
On the record, the firm has been registered with the SEC since June 30, 1989, makes notice filings in 51 jurisdictions, and reports 585 employees, 239 of them (about 41%) in investment advisory roles. That works out to roughly 38 clients per advisory employee, a ratio worth setting against how often you hear from your own adviser. As for whether Moneta Group is legit, registration is easy to confirm: it has a public CRD and public filings anyone can pull. Registration shows it's a real, regulated adviser, not that it's the right fit for you.
Reading Moneta Group reviews against the public record
Star ratings and client comments describe what working with a firm felt like. They usually don't show what the firm reports to regulators. Moneta Group's assets are concentrated among high-net-worth households, so a review may reflect a different account size than yours. Before you weigh Moneta Group reviews, check three things this profile takes from the public record. First, how the firm is paid: it reports being paid only by its clients and takes no commissions, which makes it fee-only. Second, who owns it and what conflicts it discloses. Third, whether its Form ADV reports any disciplinary history. Read reviews alongside the record, not instead of it.
How to verify Moneta Group yourself
To confirm it firsthand, use the public record:
SEC adviser record (IAPD): https://adviserinfo.sec.gov/firm/summary/104727.
Form ADV / CRS: linked from the IAPD page.
Confirm the entity: match Moneta Group (CRD #104727, legal name Moneta Group Investment Advisors) so you're reading the right firm.
Comparing firms? The Truthifi /advisors hub lists other fact packs built the same way.
What Moneta Group does and who it serves
On its Form ADV, Moneta Group reports providing financial planning, portfolio management for individuals and small businesses, portfolio management (pooled vehicles), portfolio management for businesses and institutions, pension consulting, selection of other advisers, and educational seminars. For a household, that mix means planning and managed portfolios can sit under one roof. "Selection of other advisers" means part of your money may be run by an outside manager the firm picks, which can add a second layer of fees, so ask whether it applies to you.
It reports providing financial planning to about 8,000 clients in its last fiscal year (Form ADV Item 5.H), a count the form keeps separate from the client totals below.
Its Form ADV (Item 5.D) breaks its clients down by type, about 9,163 in all:
Client type | Clients | Assets managed |
|---|---|---|
Individuals | 3,380 | $2.10 billion |
High-net-worth individuals | 5,460 | $44.62 billion |
Pension and profit-sharing plans | 191 | $2.78 billion |
Charities | 66 | $719.7 million |
Corporations or other businesses | 66 | $320 million |
It reports 48,410 client accounts, more than the roughly 9,163 clients counted above (many clients hold more than one account). Of those, 36,367 (about 75%) are discretionary, meaning the firm can trade without seeking your approval first, and 12,043 are non-discretionary (Item 5.F). Its main office is in St. Louis, MO.
According to its filing, it or a related person has custody of certain client assets, which brings extra safeguards such as surprise examinations. The specifics are in its Form ADV.
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Confirming the firm is the easy part. Seeing everything you hold is the valuable one.
Moneta Group's 48,410 accounts are the ones it reports managing. An employer 401(k), a spouse's brokerage account or an IRA held elsewhere sits outside that count, and the costs inside a fund show up scattered and unreconciled. This is where Truthifi comes in.
How Truthifi can help
Truthifi links your accounts read-only and shows what you own, how it's allocated, how it's performing and where the risk sits, including single-stock exposure, returns next to a benchmark, a fee breakdown of the fees on each account, by type, and your Truthifi Score. You can share the accounts you choose with your advisor at Moneta Group.
Prefer your own AI? A paid Truthifi plan lets you connect an AI assistant that supports MCP sign-in, such as Claude. Truthifi Connect is the lighter membership for people who only want to use their own assistant. Questions about your fees need Monitoring or Monitoring Plus+ (compare plans).
Ask AI about your Moneta Group accounts
Once your accounts are connected read-only, you can ask in plain English:
"What do I own across my Moneta Group accounts and everything else, and how is it allocated?"
"What am I paying in fees across all of these accounts?"
Try it with Truthifi: start for free at app.truthifi.com and run a Monitoring Checkup (limits apply).
No commissions, no ads, no advice: Truthifi is not an investment adviser and doesn't give investment, tax or legal advice. Its access to your bank and brokerage accounts is read-only. Start free (limits apply). Monitoring Checkup is free. Link up to 10 connections, per Truthifi platform data. Plans and limits are on the pricing page → truthifi.com.
One more angle: a "No" on the disciplinary questions describes the firm's past. Your own fee rate and allocation describe your present, and only your statements show that.
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FAQ
Is Moneta Group a fiduciary? Yes. It's a registered investment adviser (CRD #104727), so it owes a fiduciary duty when it advises you. Its Form ADV doesn't report a broker-dealer registration or a related broker-dealer.
Is Moneta Group fee-only? Its Form ADV (Item 5.E) doesn't report commissions as compensation. It's paid by clients through fees such as a percentage of assets, hourly or fixed fees. The fee schedule is in its Form ADV Part 2A.
Who owns Moneta Group? Schedule A of its Form ADV lists Moneta Group, LLC, a holding entity, as the owner of the registered adviser (legal name Moneta Group Investment Advisors). Schedule B on the same IAPD record lists any indirect owners.
Does Moneta Group have complaints or disclosures? Its Form ADV answers No to the firm-level disciplinary-history questions. Individual advisers can have their own records on IAPD and BrokerCheck.
Is Moneta Group legit? It is registered with the SEC (CRD #104727) and its filings are public on the SEC's IAPD site, which confirms it is a real, regulated firm. Registration doesn't tell you whether it's the right fit or what you'll pay, so read the fee and conflict sections of its Form ADV.
Can AI help me check whether I'm getting good value? Yes. Start free (limits apply): Monitoring Checkup is free and lets you link up to 10 connections. You can also connect an AI assistant you already use (such as Claude). On Monitoring or Monitoring Plus+ you can ask it, in plain English, about the fees on each of your accounts. Truthifi is not an investment adviser and doesn't give investment, tax or legal advice.
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About this profile
Truthifi built this profile from the firm's own SEC filings (Form ADV and, where filed, Form CRS). Every page is reviewed by the Truthifi Team before publishing. The Truthifi advisor fact packs are an ongoing series checking U.S. investment advisers against their public filings, one firm at a time.
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A note on sources. The facts on this page come from publicly available documents, Moneta Group's SEC filings, each linked inline so you can verify it yourself (SEC data current as of October 5, 2026). This is general information, not financial or legal advice, and Truthifi is not affiliated with Moneta Group. Regulatory records change, so always confirm against the official sources linked above. Spot something that should be corrected? Email us at support@truthifi.com.
Disclaimer: This article is for educational purposes only and does not constitute financial, tax, or legal advice. It should not be construed as a personalized recommendation regarding any investment, financial advisor, or financial product. All calculations use hypothetical scenarios and historical return assumptions; actual results will vary. Past performance does not guarantee future results. Consult a qualified financial professional for guidance specific to your situation. Truthifi is an investment monitoring platform — not a financial advisor, broker-dealer, or tax professional. Truthifi does not manage assets, recommend investments, sell financial products, or provide personalized financial advice. Truthifi earns no revenue from advisor referrals, product commissions, or AUM fees. Statistics and data cited reflect publicly available sources current as of the article’s publication date. Sources are linked throughout.