Know Your Options: High Net Worth
As your wealth grows, so can your potential challenges and choices. We offer personalized, integrated services for individuals with higher net worth.
The first step is understanding that there may be a better way to invest your money. Letting go of preconceived notions and a willingness to explore a different approach is a great start."
— Jeff Montgomery
Our Experience
At Montgomery Financial, we understand that high net worth individuals face a distinct set of challenges - ones that demand more than just standard financial advice. From complex tax considerations to the sale of appreciated assets, estate planning, and business succession, our firm is equipped with the knowledge, capability, and insight to serve those navigating the intricacies of substantial wealth.
We specialize in working with clients who have $1 million or more in investable assets, with tailored planning for those ranging from $3 million to $20 million—an often-overlooked segment between traditional wealth management and ultra-high-net-worth institutional thresholds. Larger firms often set their minimums too high, leaving this group underserved. That’s where we come in.
As an independent family office, we fill a gap in the marketplace by offering:
- Full access to advanced planning strategies regardless of your asset tier.
- A highly personalized client experience rooted in trust, discretion, and long-term partnership.
- A commitment to ongoing, living financial strategies that evolve with you—not a “set-it-and-forget-it” approach.
Our High Net Worth Planning team provides integrated, multidisciplinary guidance across:
- Tax planning strategies, including Roth conversions, QCDs, DAFs, and tax loss harvesting
- Estate and trust design
- Planning for the sale of highly appreciated assets
- Coordinating investment strategies aligned with high-net-worth priorities
We don’t just offer advice, we offer strategy, structure, and peace of mind.
A Team Approach
No one can be an expert in every area - and that’s why we believe in a true team approach. High net worth planning isn’t a solo act. It’s a coordinated performance requiring the skill, precision, and synergy of a well-orchestrated team.
Think of your financial advisor as the head coach - strategically guiding each specialist (attorney, CPA, investment manager, insurance professional) to ensure your entire financial team is working in harmony toward your goals.
Our clients benefit from:
- Access to a network of independent legal, tax, trust, and valuation professionals
- Coordinated case management with all advisors and strategic partners
- Regular reviews and updates as your life, goals, and the tax landscape evolve
- Practical, technical advice backed by real-world experience—not just theory
We don’t operate in silos. Every plan is collaborative, every strategy tailored, and every recommendation designed to move you closer to what matters most—your vision, your legacy, your peace of mind.
Whether you're selling a business, restructuring a trust, planning a philanthropic legacy, or navigating tax-saving opportunities, our team is here to provide clarity, continuity, and confidence at every stage.