Montgomery Wealth Management, LLC

Montgomery Wealth Management provides discretionary investment management and written financial planning to individuals and small businesses, managing roughly $22 million in discretionary assets for a compact client roster. Services include ongoing asset management delivered through accounts held at a national custodian and modular or full written financial plans addressing retirement, insurance, Social Security and tax-related retirement planning.

The firm applies a fundamental analysis approach and tailors model strategies—combining equities, mutual funds, ETFs/ETNs and fixed-income allocations—to client goals and risk tolerance, with discretionary trading authority in client accounts via Schwab Advisor Services. Financial planning engagements are generally delivered on a fixed-fee basis and do not include ongoing investment monitoring unless the client opts into asset management.

A distinctive feature is that the sole adviser is independently licensed to sell insurance and annuity products and allocates roughly 10% of professional time to insurance sales, which may lead to commission-based transactions outside the advisory services; clients retain the choice of whether and how to implement insurance recommendations. The firm also highlights professional annuity and fund-management designations, uses pro rata allocation when aggregating trades, and requires custody through Charles Schwab, reflecting a boutique, single-adviser practice supported by institutional custody and execution resources.