Frequently asked questions
+ How do you get paid?
We are a fee-only registered investment advisor. That means we solely offer investment advice. We don't sell annuities or other insurance products and we never receive money from commissions. 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. In short, we put your needs above our own.
+ Why would I want to go with a small firm?
In a word, service. We use the same caliber of professional investment tools that larger firms use, but take more time to get to know you and your needs and to invest your money accordingly. We are able to be proactive to changes not only in the larger market but changes in your specific life circumstances as well.
+ How often do you meet with clients?
We meet with clients on a quarterly basis to review their accounts. We also reach out to our clients during market changes and as needed to ensure their financial plans are on track. We have a service commitment to return all calls from our clients within 24 hours.
+ You're a registered investment advisor? Why is this important?
Being a registered investment advisor means we're regulated under the Investment Advisors Act of 1940, which holds us to a fiduciary standard. Being an independent investment advisor allows us the freedom to serve your specific needs as we see fit, always acting exclusively on your behalf.
+ 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 happens through our custodian, T.D Ameritrade. Trades are effected either through third-party managers or by using customized models. When you decide to invest with Montoya Wealth Management, we disclose all fees associated with your accounts up front.