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      <image:title>Fee-Only Financial Advisor in Prescott, AZ</image:title>
      <image:caption>Financial advice graphic. An arrow pointing to the word strategy.</image:caption>
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      <image:title>Fee-Only Financial Advisor in Prescott, AZ</image:title>
      <image:caption>Financial advice graphic. Highlighting the word retirement in a dictionary.</image:caption>
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      <image:title>Fee-Only Financial Advisor in Prescott, AZ</image:title>
      <image:caption>A grandfather and granddaughter. Good financial advice can take the stress out of retirement.</image:caption>
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  <url>
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    <lastmod>2024-06-24</lastmod>
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      <image:title>Montoya Wealth | Investment Management in Prescott, AZ</image:title>
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      <image:title>Montoya Wealth | Investment Management in Prescott, AZ</image:title>
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      <image:title>Montoya Wealth | Investment Management in Prescott, AZ</image:title>
    </image:image>
    <image:image>
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      <image:title>Montoya Wealth | Investment Management in Prescott, AZ - Case Study: The Bucket Strategy</image:title>
      <image:caption>Our clients were a couple who needed to start living off their portfolio but also wanted to see it continue to grow. They were delighted when we implemented an investment strategy of dividing the portfolio into three buckets for short, medium, and long-term use. This allowed them to withdraw income AND still grow their portfolio.</image:caption>
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      <image:title>Montoya Wealth | Investment Management in Prescott, AZ - dasd</image:title>
      <image:caption>Meet Montoya Wealth Management’s Portfolio Manager, Brandon Montoya, APMA®.</image:caption>
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    <lastmod>2025-01-30</lastmod>
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      <image:title>Montoya Wealth | Fee-only Financial Planner in Prescott, AZ</image:title>
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      <image:title>Montoya Wealth | Fee-only Financial Planner in Prescott, AZ</image:title>
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      <image:title>Montoya Wealth | Fee-only Financial Planner in Prescott, AZ</image:title>
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      <image:title>Montoya Wealth | Fee-only Financial Planner in Prescott, AZ</image:title>
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      <image:title>Montoya Wealth | Fee-only Financial Planner in Prescott, AZ - dasd</image:title>
      <image:caption>Meet Montoya Wealth Management’s Financial Planner, Erica Ryberg, CFP®</image:caption>
    </image:image>
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      <image:title>Montoya Wealth | Fee-only Financial Planner in Prescott, AZ</image:title>
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      <image:title>Montoya Wealth | Fee-only Financial Planner in Prescott, AZ</image:title>
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      <image:title>Montoya Wealth | Fee-only Financial Planner in Prescott, AZ</image:title>
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      <image:title>Montoya Wealth | Fee-only Financial Planner in Prescott, AZ</image:title>
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      <image:title>Our Financial Planning Process</image:title>
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      <image:title>Fiduciary Financial Advisor</image:title>
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    <lastmod>2025-05-12</lastmod>
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    <lastmod>2024-05-23</lastmod>
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    <lastmod>2025-04-22</lastmod>
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      <image:title>Prescott fee-only advisor FAQs</image:title>
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  <url>
    <loc>https://www.montoyawealth.com/contact-montoya-wealth-registered-investment-advisor</loc>
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    <lastmod>2022-11-22</lastmod>
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      <image:title>Contact Montoya Wealth Management | Registered Investment Advisor | Prescott, AZ</image:title>
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    <loc>https://www.montoyawealth.com/blog</loc>
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  <url>
    <loc>https://www.montoyawealth.com/your-risk-number</loc>
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    <lastmod>2020-11-03</lastmod>
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      <image:title>Montoya Wealth | What's Your Risk Number?</image:title>
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      <image:title>Montoya Wealth | What's Your Risk Number?</image:title>
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    <loc>https://www.montoyawealth.com/our-custodian</loc>
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    <lastmod>2023-05-24</lastmod>
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      <image:title>Our Custodian</image:title>
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      <image:title>Our Custodian - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.montoyawealth.com/retirement-planning</loc>
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    <lastmod>2023-01-11</lastmod>
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      <image:title>Retirement Planning</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57aba4df9f7456729e8feb13/1599338053513-RIFTD0Z4P6PF32P7GH3S/nest.png</image:loc>
      <image:title>Retirement Planning</image:title>
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  <url>
    <loc>https://www.montoyawealth.com/financial-planning-block</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-10-13</lastmod>
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  <url>
    <loc>https://www.montoyawealth.com/investment-getting-started</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-22</lastmod>
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      <image:title>Get Started</image:title>
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  <url>
    <loc>https://www.montoyawealth.com/client-portal</loc>
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    <lastmod>2025-04-22</lastmod>
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      <image:title>Client Portal</image:title>
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      <image:title>Client Portal</image:title>
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      <image:title>Client Portal</image:title>
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    <loc>https://www.montoyawealth.com/what-is-a-fiduciary-advisor</loc>
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    <lastmod>2021-02-03</lastmod>
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      <image:title>What it means to be a fiduciary advisor</image:title>
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  <url>
    <loc>https://www.montoyawealth.com/fiduciary-investment-advisor-benefits</loc>
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    <lastmod>2021-02-03</lastmod>
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      <image:title>Benefits of a Fiduciary Investment Advisor</image:title>
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    <loc>https://www.montoyawealth.com/taxes</loc>
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    <priority>0.75</priority>
    <lastmod>2024-03-21</lastmod>
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      <image:title>Tax Planning and Preparation</image:title>
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    <image:image>
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    <lastmod>2026-03-04</lastmod>
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    <lastmod>2022-08-02</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2022-12-14</lastmod>
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