Joseph P. Montana

TWELVE POINTS WEALTH MANAGEMENT

Concord, MA 01742

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CRD#: 5505765

Professional summary

Joseph Paul Montana, AIF®, who also goes by Joseph P Montana, Joseph Montana, is a registered financial advisor currently at TWELVE POINTS WEALTH MANAGEMENT located in Concord, Massachusetts.

Joseph is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2008. Joseph has worked at 7 firms and has passed the Series 63, Series 65, SIE, Series 6, Series 31 and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Joseph P Montana | Joseph Montana

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1.CCR WEALTH MANAGEMENT LLC, INVESTMENT RELATED, ADDRESS IS THE REGISTERED LOCATION, WEALTH MANAGEMENT, START AUGUST 2014, 40 HOURS PER WEEK -DURING TRADING HOURS, WEALTH MANAGEMENT - REGISTERED ADMIN.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joseph Paul Montana's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

AIF^®

Accredited Investment Fiduciary

Experience

Current

May 22, 2025 - Present

TWELVE POINTS WEALTH MANAGEMENT

Office #1: 9 Pond Lane Suite 3a, Concord, MA 01742

RIA

CRD#: 171107

Concord, MA

Past

December 6, 2022 - April 29, 2025

MML INVESTORS SERVICES, LLC

CRD#: 10409

WELLESLEY, MA

Past

March 30, 2015 - March 29, 2022

CETERA ADVISORS LLC

RIA

CRD#: 10299

WESTBOROUGH, MA

Past

September 9, 2014 - March 29, 2022

CETERA ADVISORS LLC

CRD#: 10299

WESTBOROUGH, MA

Past

January 15, 2014 - August 29, 2014

ABG RETIREMENT PLAN INVESTMENT SERVICES

RIA

CRD#: 117678

PEORIA, IL

Past

June 4, 2010 - September 7, 2011

MORGAN STANLEY

RIA

CRD#: 149777

PEORIA, IL

Past

May 6, 2010 - September 7, 2011

MORGAN STANLEY

CRD#: 149777

PEORIA, IL

Past

January 1, 2009 - March 15, 2010

TALCOTT RESOLUTION DISTRIBUTION COMPANY, INC.

CRD#: 37819

HARTFORD, CT

Past

July 25, 2008 - January 1, 2009

HIMCO DISTRIBUTION SERVICES COMPANY

CRD#: 6604

HARTFORD, CT

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

TWELVE POINTS WEALTH MANAGEMENT

TWELVE POINTS RETIREMENT ADVISORS | TWELVE POINTS WEALTH MANAGEMENT LLC | TWELVE POINTS WEALTH MANAGEMENT

CRD#: 171107 / SEC#: 801-108967

RIA

Registered Investment Advisory firm - (1/23/2017 Approved)

Massachusetts

Registered Investment Advisory firm - (1/26/2017 Terminated)

New Hampshire

Registered Investment Advisory firm - (2/21/2017 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Massachusetts
(5/22/2025)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

Series 63

Date: 9/17/2014

Uniform Securities Agent State Law Examination

State Security Law Exam

IAR

Series 65

Date: 6/2/2010

Uniform Investment Adviser Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 6

Date: 9/9/2014

Investment Company Products/Variable Contracts Representative Examination

General Industry/Product Exam

Series 31

Date: 6/28/2010

Futures Managed Funds Examination

General Industry/Product Exam

Series 7

Date: 5/5/2010

General Securities Representative Examination

Current Firm

TWELVE POINTS WEALTH MANAGEMENT

TWELVE POINTS RETIREMENT ADVISORS | TWELVE POINTS WEALTH MANAGEMENT LLC | TWELVE POINTS WEALTH MANAGEMENT

CRD#: 171107 / SEC#: 801-108967

RIA

Registered Investment Advisory firm - (1/23/2017 Approved)

Massachusetts

Registered Investment Advisory firm - (1/26/2017 Terminated)

New Hampshire

Registered Investment Advisory firm - (2/21/2017 Terminated)

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Contact information

Main Address

9 Pond Lane Suite 3a, Concord, MA 01742

Mailing Address

Phone number

(978) 318-9500

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (14 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

FORM ADV PART 2A/2B (11/4/2025)

WRAP FEE BROCHURE (3/30/2025)

Regulatory assets under management

Total Number of Accounts	1,586
AUM (Assets Under Management)	$ 1,701,535,494

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
08/25/2025	Cover Page	Report
09/25/2024	Cover Page	Report

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

Joseph P. Montana

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joseph Paul Montana's CRS (Customer Relationship Summary).

Certified licenses

Experience

MML INVESTORS SERVICES, LLC

CETERA ADVISORS LLC

CETERA ADVISORS LLC

ABG RETIREMENT PLAN INVESTMENT SERVICES

MORGAN STANLEY

MORGAN STANLEY

TALCOTT RESOLUTION DISTRIBUTION COMPANY, INC.

HIMCO DISTRIBUTION SERVICES COMPANY

Primary Firm SEC Registration

TWELVE POINTS WEALTH MANAGEMENT

State Registrations and Notice Filings

Exams

Series 63

Date: 9/17/2014

Series 65

Date: 6/2/2010

SIE

Date: 10/1/2018

Series 6

Date: 9/9/2014

Series 31

Date: 6/28/2010

Series 7

Date: 5/5/2010

Current Firm

TWELVE POINTS WEALTH MANAGEMENT

Contact information

SEC notice filing (14 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

TWELVE POINTS WEALTH MANAGEMENT

TRUST BUT VERIFY

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