We are an independent, fee-only registered investment advisor in Prescott, AZ.

After half a decade in financial services, Brandon Montoya founded Montoya Wealth Management with the aim to provide investment peace of mind and excellence in service for each of his clients.  It’s an independent investment firm based here in Prescott, Arizona that adheres to the fiduciary standard of always putting clients first.

How we work

Plan

There are no one-size-fits-all investment solutions at Montoya Wealth Management. We construct holistic financial plans before we begin the investment process because we believe that in order to offer solid investment advice, we must have an understanding of your needs, who you are not just as an investor but as a person: What your values are, what you want your money to do for you in retirement, and what kind of legacy you want to leave behind. Armed with this knowledge, we can build a wealth strategy that fits you and your life.

Invest

As a fee-only, independent investment advisor, we have no conflicts of interest: We earn no commissions, so we never churn to drive up cash-flow. We have no parent company so we are never under pressure to put you in inappropriate or proprietary investments. Instead, we hire world-class money managers on your behalf whose job it is to watch market and macroeconomic conditions and adjust accordingly. Our job is to watch them, with a continuous eye to your specific needs.

Protect

We invest your money but we don't hold it. In order to protect you, we have hired TD Ameritrade to serve as a custodian for your assets. Once you agree to be our client, you opt to give us permission to make trades on your behalf, but with the exception of collecting agreed-upon, asset-based fees, we never have the power to withdraw money from your account. 

Communicate

Because we are committed to building long-term relationships, we earn our clients’ business through consistent communication that seeks to keep you updated on your accounts and on the state of the market in a way that connects the two together to provide meaningful, actionable insight.

Frequently asked questions

+ How do you get paid?

We are a fee-only registered investment advisor. That means we never receive money from commissions or 12b1 fees on any investment or insurance product we recommend. Instead, our investment clients pay a fee each calendar quarter based on the value of their account. This eliminates conflicts of interest that would interfere with our ability to act as a fiduciary for our clients, putting your needs above our own.

+ How often do you meet with clients?

We meet with clients on a quarterly to review their accounts. We have a service commitment to return calls that come in before the close of market before the close of market. If you call after the close of market, we will return your call at the beginning of the next business day. In addition we provide all of our clients with access to weekly market updates.

+ Why would I want to go with a small firm?

In a word, service. We use the same caliber of professional managers that larger firms use, but take more time to get to know you and your needs and invest your money accordingly. We are able to be proactive to changes not only in the larger market but changes in your specific life as well.

+ You're a registered investment advisor? Why is this important?

Being a registered investment advisor allows us the independence to serve your specific needs and act in a fiduciary capacity, putting our clients' interests ahead of our own.

+ Where are clients' assets held?

Because we are committed to making sure your assets are secure and always safeguarded, we use a trusted third party custodian, T.D. Ameritrade.

+ How does trading get done on my account?

Trading on your account is done by third party managers. When you decide to invest with Montoya Wealth Management, we disclose upfront to you the fees that these third party managers charge. The trading is done by these third party managers and because they serve at our discretion we are constantly verifying their investment mandates against your investment profile. If for any reason the investment mandate doesn't meet your investment objective, we will find another investment manager that is better suited to your investment needs.