Retirement planning is a process that begins and ends with you.

Here's how we do it:

We DESIGN a Plan

There are no one-size-fits-all investment solutions at Montoya Wealth Management. Because we believe that in order to offer solid investment advice, we must have an understanding of your needs, we construct holistic financial plans ahead of the investment process. These plans capture not just who you are 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 move forward with building a wealth strategy that fits you and your life.

We create a customized Investment strategy

Once we have a good idea of your long-term goals and time horizon, we assign a Risk Number to ensure that your portfolio aligns with those goals and retirement expectations. We then work daily to ensure your portfolio continues to align with your goals. Regular phone calls and meetings help us ensure that nothing in your life has changed that requires a realignment of your portfolio.

We make sure you are Protected

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 except for collecting asset-based fees, we never have the power to withdraw money from your account. 

We Communicate regularly

Because we are committed to building long-term relationships, we earn your business through consistent communication. We offer regular touches to keep you updated on your accounts and on the state of the market. Our goal is always to provide meaningful, actionable insight that fits with your life and needs.

Ready to learn more? 

We work with you to invest for income

Montoya Wealth Management provides investment management to clients according to their risk profiles and time horizons. Our clients are often people who have priorities other than managing their own investments. When we work with you to invest your money, we combine careful planning for income, lifestyle, and legacy objectives with periodic reviews thereafter to allow us to adjust our approach to your changing needs. 

We are a fee-only fiduciary

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 work with you to stay on top of market and macroeconomic conditions and adjust accordingly. Our job is to keep a continuous eye on these factors and how they impact your specific financial needs.

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 permissions 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.

Would you like a review of your current investments? Call or email to schedule a sit-down.

Financial realities have a lot of moving parts. We help you line them up to maximize your net worth.

Every investment client receives a living financial plan as part of our services.

In order to offer solid investment and planning advice, we must have a holistic 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. Specifically, we work with clients to create strategies that will benefit them when planning for retirement. We work to identify and utilize tools that will help buttress social security benefits.

Speaking of social security, we assist in helping you find the most meaningful way to approach taking and maximizing your social security benefit. We also assist clients in understanding the increasingly complicated world of healthcare benefits; beyond just knowing what your employer benefits offer, we can help you determine whether or not a Health Savings Account is appropriate planning tool. When the time comes for you to retire we can help you through the daunting task of determining whether it is the right time to retire and how to navigate dealing with transitioning your defined benefit plan into an income resource that will last. We also work closely with other planning professionals, like trust attorneys, to make sure that we are creating a unified strategy for your wealth management.

Curious about your options?  Call or email to schedule a meeting.