Montoya Wealth Management

Montoya Wealth Management Group LLC is a two-advisor registered investment adviser that provides discretionary portfolio management, financial planning, and retirement-plan consulting to individual and high‑net‑worth clients; as of February 16, 2026 the firm reported approximately $71.73 million in managed assets across about 86 clients. The firm also offers educational seminars and workshops and provides ongoing planning advice on retirement, tax, estate, cash‑flow and risk‑management topics.

The firm’s investment process blends fundamental, technical and cyclical analysis and uses diversified strategies such as passive, core‑plus‑satellite, and value‑oriented approaches; portfolios are typically managed on a discretionary basis and reviewed at least quarterly. Financial planning begins with an initial interview and document review and can be delivered as standalone plans, hourly consulting, or an ongoing subscription service designed for clients with smaller investable balances (an option that does not rely on asset‑based fees).

Distinctive features include an affiliated tax‑preparation business owned by the firm principals that principally serves the adviser’s clients, and coordination with third‑party partners to prepare non‑complex estate documents and provide low‑cost legal analyses—services that extend the adviser’s offering beyond investment management. The firm also provides qualified plan consulting (and can serve in a 3(21)/3(38) capacity) and aggregates household accounts for billing, reflecting a combined wealth‑management and practical services model that is less common among small, two‑advisor RIAs.