The challenge: You are an engaged investor, but you are also busy – busy with work, busy enjoying hobbies and family, and busy living life according to your values. You know how money ought to be invested, but that’s not where you want to focus your energy. In short, you need a financial advisor.
The solution: Bespoke and responsive fiduciary investment management that begins with a thorough understanding of your financial situation and risk tolerance and continues with an evidence-based approach to investing your money and regular check-in meetings.
The result: Peace of mind that we are watching your money carefully as it works overtime on your behalf. At Montoya Wealth, we are disciplined, thoughtful, research-driven, and dedicated to you, our client.
Meet Montoya Wealth Management’s
Portfolio Manager, Brandon Montoya, APMA®.
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.
Our client was confident in her abilities but had a lot on her plate after her divorce. We listened carefully to her needs and got her set up with a financial plan and investment portfolio she felt good about. The result? Peace of mind.
Our client earned several hundred thousand dollars per year and was really feeling the adage, “It’s not what you earn but what you keep.” Enter Montoya Wealth's tax strategies to soften the blow.
Our client knew what making successful investment decisions should look like, but that didn’t stop her from second-guessing herself. We put a strategy in place and then were there to lend support not just during quarterly meetings, but anytime she needed us.
Our client had been an excellent steward of this family's finances, but couldn't shake the feeling that his wife was going to need help when he died. He chose Montoya Wealth to be his family’s financial office, both before and after his death.
Tailored portfolio construction
We start with a risk tolerance analysis and then work to understand your investment goals and time horizon. Once we have those, we build you a cost-effective portfolio.
Low-cost investment selection
Not all investments are alike in terms of cost. We typically select exchange-traded funds (ETFs) with low internal fees and high-diversification. As a bonus, ETFs are extremely tax efficient.
Proactive recommendations
We are always looking around corners for ways to make your portfolio more tax efficient. And if you are a client interested in individual stock selection, we will contact you with recommendations.
Investment rebalancing
Depending on your time horizon and investment objectives, we either rebalance quarterly or annually. This keeps your investment mix on track with your goals and risk tolerance.
Coordination and collaboration
We coordinate monthly distributions, one-off withdrawals, and tax withholding as needed. In addition, we coordinate with other professionals – accountants, estate attorneys, and insurance professionals – as needed.
Regular communication
At Montoya Wealth, we stay in touch no matter what. We partner with Blueleaf to provide account updates via email on a monthly basis (weekly if you prefer) and we sit down with you quarterly to review your investment performance.
Questions? Don’t hesitate to contact Brandon
at brandon.montoya@montoyawealth.com or 928-460-0972.
