It's Not About the Money, It's About Your Life!



It goes without saying that seeking out an individual who is both honest and ethical should be at the top of your criteria when choosing a financial planner. At Montgomery Financial Services, you will find that we take our fiduciary responsibility seriously by making recommendations that go beyond what would simply be suitable for your situation and provide guidance based on your best interest.

What is a Fiduciary?

Investment advisers are bound to a fiduciary standard that is regulated by the Securities and Exchange Commission (SEC). A fiduciary holds a legal responsibility to put the interests of clients before their own. Investment advisers must do their best to make sure investment advice is made using accurate and complete information and that the analysis is thorough and as accurate as possible. Avoiding conflicts of interest is important when acting as a fiduciary, and it means that advisers must disclose any potential conflicts.

We offer services in these three areas:


Prepare for retirement by putting your hard-earned assets to work.


Retirement Income Strategies
Wealth Management
IRA/401(k) Rollovers


Protect the assets that can help you live the retirement you’ve always imagined.


Asset Protection Strategies
Life Insurance
Tax-Efficient Strategies
Long-Term Care Strategies


Provide for the people and causes you care about the most.


IRA legacy planning

We can also refer you to professionals who provide the following services:

Charitable Giving
Estate Planning
Tax planning


At our firm, we believe in 'markets work' philosophy: the belief that the market is efficient and all known information is already priced in. Only new and unknown information will change the direction of the market or an individual stock. The idea that “The Markets Work” and cannot be predicted or forecasted goes hand in hand with the passive strategy of asset class investing, which is designed to expose the portfolio to multiple types of investments, including equities and fixed income, domestic and international markets, growth and value equities, as well as large-cap and small-cap equities. The goal is to provide maximum diversification to minimize risk while maximizing returns. This approach involves applying scientific, academically proven strategies of the Modern Portfolio Theory, Efficient Market Theory and the 3-Factor Model.

The 3 Tenets of Asset Class Investing:

  1. Market Returns- Use structured or index-type funds to deliver market returns for the asset classes in the portfolio.
  2. Asset Allocation- Expose the portfolio to multiple types of investments including equities and fixed income instruments, domestic and international markets, and growth and “value” investments, to provide maximum diversification and correlation effects. The goal is to maximize returns for a given level of risk.
  3. Lifelong Investing- A step beyond “long-term,” investing is seen as a lifelong process. Instead of attempting to get in and out of the market at the “right time,” staying in the market all of the time is a fundamental part of success in Asset Class Investing.

Ready to Take The Next Step?

For more information about any of the products and services listed here, schedule a meeting today or register to attend a seminar.

Or give us a call at (410) 208-1004