Hi! I'm Brandon Montoya.
After half a decade in financial services, I founded Montoya Wealth Management with my (soon-to-be) wife Erica with the aim of providing excellence in service and investment peace of mind for each of my asset management clients.
I worked in the financial services industry for about a decade, starting at Wells Fargo as a banker and working Edward Jones, Chase Bank and Merrill Lynch. Time and time again, one of the things I found was that I wasn't able to give my clients the level of service they deserved and that I wanted to provide.
After a lot of thought and consideration, I started looking for a place that would allow me to offer the highest possible service levels. It was during this time that Erica said, "Why don't you create your own firm?"
After a lot of research, we decided to go for it, settling on the Registered Investment Advisor (RIA) model for its benefits to our clients.
Specifically, in a few key areas, the fee-only RIA model was different than the commission-based broker-dealer model I had been working in. Working within the independent RIA model:
- We don't get commissions. This eliminates a significant conflict of interest.
- We don't meet with wholesalers, either (ditto).
- We don't sell annuities. It's our belief that annuities are an excellent way to enrich the people who sell them while ensuring your upside never exceeds a few percentage points.
- We don't have a parent company, so we are never under any pressure to put you in inappropriate or proprietary investments.
What we do instead is take a fiduciary approach to implementing tailored asset management and planning strategies on your behalf.
We have been fortunate to be profitable from day one. It's been a wonderful ride so far and we look forward to many more years of excellent service on behalf of our clients.