Investment Management

Fee-Only, Fiduciary Advisors

As financial advisors we get to know you and your goals, and strive to help you reach your highest potential. Whether you need guidance on estate planning or planning to not out-live your money, if it's financial in nature we will help. We are fee-only, which means we do not sell products; the only way we get paid is through the agreed upon fee for services. We are also fiduciary, which means we must put the needs and wishes of our clients above our own.

Services

Goals-Based Investment Management

Achieve Your Goals

We work with our clients on an on-going basis to help clarify their lifetime goals. This allows us to build a customized investment strategy designed to achieve those goals, while striking the right balance between risk and reward for each client.  Equally important are managing risk through diversification, reducing the drag on performance by keeping investment expenses low, and managing the impact of income taxes. Our portfolios utilize ETF and index funds, allowing us the opportunity to achieve these objectives.

Tax Efficient Investing

Taxes Matter

Successful investing is not about the rate of return you earn, but rather it’s the rate of return you earn after taxes. Taxes are a real cost that we see many advisors forget or completely ignore. We realize that not paying attention to this element of investing may have a negative impact on not only ordinary income taxes and capital gains, but also the cost of your monthly Medicare premiums, and the amount of taxes that are paid on your social security benefits.  At Monteith Wealth, LLC. we offer a deep understanding of the impact of taxes on a successful investment plan.

Life-Stage Strategies

Personalized Advice, Not Basic And Standard

Whether you are just starting as an investor, seriously saving and preparing for retirement, or in retirement, we can provide a plan and guidance to help you achieve success. If you are considering selling a property or business, we can create a plan that focuses on your rate of return after taxes. Everyone is different, which is why we take time to get to know our clients.

Evidence-Based Investing

We Don't Gamble With Your Money

We don't take unnecessary risks. We don't speculate. We don't care what the next new hot company is. We care about fact, reason, and supportive evidence. In other words, we base our investment portfolios and strategies around the best available data. We are properly skeptical of what has worked only in the short-term and prefer only what has worked over the long-term.

 

Investment Philosophy

Some Key Tenants in Our Investment Approach

  • Manage risk by building globally diversified portfolios.

  • Passive approach: use index funds and exchange-traded funds (ETFs). Our core belief is that, over any reasonable period of time, active stock pickers have not been able to outperform the indexes.

  • Drive down the cost of investing as much as possible by utilizing no-load funds and low internal expense index funds and ETFs.

  • Incorporate tax planning into every decision.