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.