We work with you to invest for income

Montoya Wealth Management provides investment management to clients near or at retirement age whose time horizons don’t align with passive investment management for capital preservation. Our clients are people who either have priorities other than managing their own investments or feel unsuited to do so. When we work with you to invest your money, we combine careful planning for income, lifestyle, and legacy objectives with investment management designed to minimize volatility and maximize returns. Periodic reviews thereafter allow us to adjust our approach according to your changing needs. Our minimum investment account size per household is $100,000 (some exceptions apply). 

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.

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.