Telling money where to go for over a decade.

We plan to invest a lot of time and attention in your financial situation.

We respectfully ask that you consider an investment in us, but we know that in order to do that, you need to get to know us first.

Our Story

Our goal is to serve as our clients’ chief financial officer and ensure their overall financial goals are met responsibly. We do this through the combination of comprehensive financial planning, project-based or consulting on an as-needed basis, and investment management.

We strive to be the primary point of contact for all of our clients’ financial matters. As a fee-only advisor, we operate in a fiduciary role and are held to legal and ethical standards, placing client interests above our own.

Our single mission is to help our clients simplify their goals and manage their financial lives by addressing four key pain points:

Accessibility: We don’t believe in gatekeepers. When you need help, have questions or need to access your money or assets, you can always reach us.
Transparency: With many firms, costs of services tend to get buried—when you work with us, we are your fiduciary and we’re fully transparent about any costs associated with any given service. We believe in educating our clients around their finances and assets so they can make the most informed decisions.
Cost: Cost has been inflated for years. Traditionally it’s 1% for asset management. By using the latest technologies and cost compression, we work to reduce that cost to start at .5%. This means more money for you, not your financial consultant.
Flexibility: As your fiduciary, we have no selling arrangements with financial management companies or programs. This opens our services to the open market, allowing us to get the lowest cost possible. This also allows us to pivot when needed to ensure we’re maximizing your investments.

Derek Dall’Olmo | Founder

University of Michigan, Ann Arbor (Bachelor of Science, 2005)
Certified Financial Planner (CFP®) (2012)
Proud father of three future Wolverines

I’m a family man, as you can see. Along with my wife, Jen (an elementary schoolteacher), we have three daughters which make my life about as big an adventure as yours is. So I get it when you come to me with questions about how to plan for a secure financial future.

I started this company because I want to change the way financial services are delivered – and that’s why you don’t see a picture of me in a suit. As the founder and Chief Compliance Officer of TreMonte Financial Consultants, my goal is to bring my 12+ years of experience to the table; and while we’re sitting there, we’ll design your financial future together.

Awards and Certifications
University of Michigan, Ann Arbor (Bachelor of Science, 2005)
Certified Financial Planner (CFP®) (2012)

Derek has been authorized by the Certified Financial Planner Board of Standards (CFP® Board) to use the certification marks CFP® in accordance with CFP® Board certification and renewal requirements. These marks identify those individuals who have met the rigorous education, examination, experience and ethical requirements of the CFP® Board.

Melissa Niedzielski | Operations Manager

Grand Valley State University (Accounting + Biz Mgmt, 2013)
Working on Enrolled Agent (EA) certification
“Adventure” is her middle name

I am an adventure seeker. My husband and I are building a life where we vacation to explore, not just escape. In 2020, we welcomed our son Kailer “Kai” and are excited to instill the travel bug in him. We are in the growing phase of our lives, accumulating assets and working as a team toward common goals. We have regular budgeting meetings and make it a priority once a year to stop and dream together.

I’ve been with TreMonte since 2019. I am a big proponent of financial stewardship and cultivating your own financial intelligence. To me, that begins with a healthy understanding of your income and expenses + knowing exactly where your money is going. You will often hear me jabbering on about YNAB while enjoying a cup of tea.

More about Melissa
Melissa moved to Traverse City in 2015. She has since married her soulmate, bought a house on Duck Lake, and become more than just a “dog mom”. She enjoys all that TC has to offer including hiking, beach days, paddle boarding, snowshoeing, and dining out at Mama Lu’s.

Outside of TFC, Melissa owns Provoking Prosperity and is a Money + Mindset Coach.

Bridget Thoreson | Operations Administrator

Saint Mary-of-the-Wood College (BBA, 2017)
Also known as “B” around the office

Did someone say coffee? I bring to the TreMonte team a spunky disposition, plenty of experience bossing CFPs around, and a go-getter attitude. I believe that everyone occasionally needs a sounding board to bounce ideas off and that good financial advice should be accessible to all. I’ve been with TreMonte since 2020 and I love working with this team!

At home, I own B. Marie Designs. I am a certified Brand Strategist & Logo Designer. Design is my passion and I love getting nerdy about branding and helping my clients make their business pop through continuity in design. I am a TC native, born and raised. I grew up in the Lake Leelanau area and find myself back home every Sunday visiting family. During summer you will find me on the beach and in winter you will find me on the slopes.

Mike Zaccardi, CFA, CMT | Investment Analyst & Writer

University of North Florida (Finance – Investments, 2011; Financial Services – Financial Planning, 2011; MBA, 2016)
Chartered Market Technician ® (CMT), 2014
Chartered Financial Analyst® (CFA), 2018
Candidate in the Certified Financial Planner (CFP®) program

In addition to analyzing investments and writing on personal finance, I occasionally teach at the University of North Florida. I love to communicate financial information in a down-to-earth, easy-to-understand way. While I enjoy crunching the numbers and analyzing portfolios, I always keep a focus on what it means for clients.

Outside of the world of finance, I enjoy playing golf, walking, and eating steak! Spending time with family and friends has become more important in my life in recent years. Nothing beats a great steak surrounded by loved ones.