Financial Planning
The Plan Comes First
Most people arrive at Montis with all the pieces of a financial life in place, but no one coordinating them. An accountant files tax returns. An insurance professional manages coverage. Investments are managed. An attorney drafts estate documents. Each piece matters; the challenge is making sure they work together.
We start with you, then build a plan that connects the decisions across your financial life around what you want to accomplish. From there, each decision is considered in context, with the goal of keeping the entire plan aligned as your life evolves.
How the Work Is Held
One advisor who knows the whole picture
Your lead advisor—with support from the broader Montis team—helps build, implement, and maintain the plan. That advisor knows the whole picture, guides you when circumstances change, and coordinates with the other professionals in your life so decisions stay aligned.
We also work directly with the CPA and the estate attorney you already trust, because the decisions that matter most sit where planning, taxes, and law overlap. Your CPA files; we plan.
What a Plan Covers
Five pillars, reviewed together
Five pillars serve as the foundation for our planning experience. Each one deserves deliberate attention on its own. What matters more is that they are reviewed together, because a change in any one of them moves the other four.
A financial plan is a static document, capturing a moment in time that has already passed. Planning at Montis is stewardship in action—a living, breathing planning process framed by expertise, dialogue, and judgment.
- Cash flow planning — organizing the movement of money as a wealth creator
- Investment planning — allocation set against your goals, time horizon, and risk capacity
- Tax planning — improving what you keep, in coordination with your CPA
- Legacy planning — wealth that transfers according to your intentions
- Risk planning — finding and addressing vulnerabilities that can threaten your plan’s journey
Start Here
Let’s talk about what your plan needs to do
Tell us what’s changing, what you’re working toward, and where you need more clarity. That’s where the planning starts.