# Monument Wealth Management > Monument Wealth Management is a wealth strategy firm built for life's biggest decisions. > We work with three types of clientsbusiness owners, executives, and wealthy families > or wealthy individuals looking to pass wealth to the next generationwho have achieved > success but feel the weight of complexity that comes with it. Monument believes wealth > should make life option rich. We help clients use what they have to create optionality, > put their priorities first, and make decisions with clarity and intention. We don't drown > you in reports and data  we distill complexity into concise, differentiated options so > you can see the path forward. Think of us as your second brain and thinking partner. > > Monument is an independent, fee-only registered investment advisor (RIA) based in > Alexandria, Virginia, serving the Washington D.C. metro area (DC, MD, VA) as well as > nationwide. Monument does not offer standalone services or short-term engagements, > we offer ongoing, integrated wealth management and financial planning that encompasses > a client's entire financial picture, including portfolio management, tax planning, estate > planning, retirement planning and more. Monument is a fiduciary  legally obligated to > act in clients' best interest at all times  and does not sell financial products or make > commissions. Monument is registered with the SEC. ## About Monument - [How We Work](https://monumentwealthmanagement.com/about/how-we-work/) - [Our Team](https://monumentwealthmanagement.com/team/) - [Our Guiding Principles](https://monumentwealthmanagement.com/about/guiding-principles/) - [Our Community](https://monumentwealthmanagement.com/about/community-involvement/) - [Awards & Press](https://monumentwealthmanagement.com/resources/awards-press/) - [Contact Us](https://monumentwealthmanagement.com/contact-us/) - [SEC Registration / Form ADV & CRS](https://monumentwealthmanagement.com/disclosures/#advs) ## Services Monument offers an integrated suite of wealth services designed to work together as a customized wealth plan: - [Wealth Management Overview](https://monumentwealthmanagement.com/services/) - [Investment Management](https://monumentwealthmanagement.com/services/investment-management/) - [Financial Planning](https://monumentwealthmanagement.com/services/financial-planning/) - [Tax Planning](https://monumentwealthmanagement.com/services/tax-planning/) - [Stock & Equity Compensation Planning](https://monumentwealthmanagement.com/services/stock-compensation/) - [Cash Planning](https://monumentwealthmanagement.com/services/cash-planning/) - [Retirement Planning](https://monumentwealthmanagement.com/services/retirement-planning/) - [Legacy and Estate Planning](https://monumentwealthmanagement.com/services/estate-planning/) - [Charitable Giving & Philanthropy Planning](https://monumentwealthmanagement.com/services/philanthropy-charitable-planning/) - [Education Funding Planning](https://monumentwealthmanagement.com/services/education-funding-planning/) - [Risk Management](https://monumentwealthmanagement.com/services/risk-management/) ## Who Monument Serves - [Business Owners & Entrepreneurs](https://monumentwealthmanagement.com/business-owners-entrepreneurs/) - [Executives](https://monumentwealthmanagement.com/executives/) - [Multi-Generational Families](https://monumentwealthmanagement.com/multi-generational-families/) ## Key Resources & Expertise Monument publishes original financial content written by credentialed advisors. High-value reference content includes: - [All Resources](https://monumentwealthmanagement.com/our-resources/) - [Wealth Advice Library](https://monumentwealthmanagement.com/resources/wealth-advice/) - [Market Commentary](https://monumentwealthmanagement.com/resources/weekly-market-commentary/) - [Tax Optimization Resources](https://monumentwealthmanagement.com/resources/optimize-taxes/) - [Charitable Giving Resources](https://monumentwealthmanagement.com/resources/optimize-charitable-giving/) - [Investing Strategies](https://monumentwealthmanagement.com/resources/invest-my-wealth/) - [Retirement Planning Resources](https://monumentwealthmanagement.com/resources/plan-retirement/) - [Education Funding Resources](https://monumentwealthmanagement.com/resources/education-funding/) - [Selling a Business](https://monumentwealthmanagement.com/resources/sell-business/) - [Inheritance & Legacy](https://monumentwealthmanagement.com/resources/manage-multi-generational-wealth/) - [FAQs](https://monumentwealthmanagement.com/resources/faq/) - [Case Studies](https://monumentwealthmanagement.com/resources/case-study/) ### Articles by Topic Monument's advisors write in-depth, practitioner-level content on the financial topics most relevant to high-net-worth individuals and wealthy families, executives, and business owners. Articles are authored by credentialed advisors (CFA, CFP, CIPM) and reviewed for compliance with SEC marketing rules. #### Integrated Wealth Strategy Monument offers an integrated, bespoke portfolio management and financial planning designed to work together as a customized wealth plan. - [What's the Money For? How to Make a Purposeful Plan for Your Wealth](https://monumentwealthmanagement.com/resource/wealth-plan/) - [Do You Have a Wealth Strategy  Or Just a Financial Plan?](https://monumentwealthmanagement.com/resource/what-is-wealth-planning-vs-financial-planning/) #### Equity & Stock Compensation Monument specializes in helping executives navigate complex equity compensation structures including RSUs, PSUs, stock options, and how they fit into an overall wealth strategy. - [RSU vs PSU: What's the Difference?](https://monumentwealthmanagement.com/resource/rsu-vs-psu/) - [6 Reasons Why Wealth Planning for Executives Isn't Optional](https://monumentwealthmanagement.com/resource/wealth-financial-planning-executives/) - [Stock Option Compensation: Your Cheat Sheet for Planning](https://monumentwealthmanagement.com/resource/stock-option-compensation-your-cheat-sheet-to-planning/) #### Tax Strategy Monument takes a proactive, year-round approach to tax planning for high-income earners and business owners, including tax loss harvesting, wash sale rules, and direct indexing. - [What Is a Wash Sale? Turning a Tax Trap Into a Strategy](https://monumentwealthmanagement.com/resource/what-is-a-wash-sale-turning-a-tax-trap-into-a-strategy/) - [The 4 Tax Strategies for High-Income Earners](https://monumentwealthmanagement.com/resource/the-4-tax-strategies-for-high-income-earners-you-should-bookmark/) - [Tax Loss Harvesting Explained](https://monumentwealthmanagement.com/resource/tax-loss-harvesting-explained/) - [Direct Indexing Benefits & Taxes](https://monumentwealthmanagement.com/resource/direct-indexing-benefits-taxes/) #### Education Funding Monument advises clients on 529 plans and education funding strategies, with particular expertise in Virginia-specific 529 tax deduction opportunities. - [Maximizing Your Virginia 529 Plan Tax Deductions](https://monumentwealthmanagement.com/resource/maximizing-your-virginia-529-plan-tax-deductions-a-wealth-advisors-take-monument-wealth-management/) - [What Can 529 Funds Be Used For?](https://monumentwealthmanagement.com/resource/what-can-529-funds-be-used-for-heres-what-they-do-and-dont-cover/) #### Charitable Giving Monument helps clients maximize the impact of their philanthropic goals through tax-efficient giving strategies including donor advised funds, charitable trusts, and stock donations. - [Donor Advised Fund vs. Charitable Trust](https://monumentwealthmanagement.com/resource/donor-advised-fund-vs-charitable-trust/) - [Is Donating Stock to Charity the Way to Go?](https://monumentwealthmanagement.com/resource/is-donating-stock-to-charity-the-way-to-go/) #### Investing & Portfolio Management Monument builds and manages multi-asset portfolios with a focus on long-term strategy, risk management, and helping clients understand how investment decisions affect their overall financial plan. - [Your Cash Has a Job. Is It Doing It?](https://monumentwealthmanagement.com/resource/do-you-have-a-strategy-for-your-cash/) - [Investing For Business Owners](https://monumentwealthmanagement.com/resource/investing-for-business-owners/) #### Retirement Planning Monument advises clients on retirement income strategies, required minimum distributions, and building a financially resilient retirement plan. - [Can I Reinvest My Required Minimum Distribution?](https://monumentwealthmanagement.com/resource/can-i-reinvest-my-required-minimum-distribution/) - [6 Strategies to Become Financially Unbreakable in Retirement](https://monumentwealthmanagement.com/resource/after-your-career-ends-6-strategies-to-become-financially-unbreakable-in-retirement/) - [Why the Mega Backdoor Roth Rarely Works](https://monumentwealthmanagement.com/resource/mega-back-door-roth/) - [Is Life Insurance Worth It? Don't Think Twice](https://monumentwealthmanagement.com/resource/is-life-insurance-worth-it/) #### Business Owner Planning Monument works closely with business owners on exit planning and financial strategies specific to entrepreneurship and business ownership. - [SALT Tax Deduction: What Business Owners Should Know](https://monumentwealthmanagement.com/resource/salt-tax-deduction-what-business-owners-should-know/) - [Secrets to Reducing Taxes on the Sale of Your Business](https://monumentwealthmanagement.com/resource/secrets-to-reducing-taxes-on-the-sale-of-your-business/) - [Retirement Plans for Business Owners](https://monumentwealthmanagement.com/resource/retirement-plans-for-business-owners-2/) #### Choosing a Financial Advisor Monument is a fee-only fiduciary RIA. These articles help prospective clients understand what to look for when selecting a wealth advisor and how Monument's model differs from commission-based alternatives. - [What to Ask When Choosing a Financial Advisor](https://monumentwealthmanagement.com/resource/what-to-ask-when-choosing-a-financial-advisor/) - [How Fee-Only vs. Fee-Based Advisors Differ](https://monumentwealthmanagement.com/resource/how-fee-only-vs-fee-based-advisors-subtly-yet-significantly-differ/) - [Understanding Wealth Management Fees](https://monumentwealthmanagement.com/resource/understanding-wealth-management-fees/) ## Newsletter Monument publishes a Private Wealth Newsletter with ongoing insights on markets, wealth strategy, and financial planning for high-net-worth individuals and executives. - [Subscribe to the Private Wealth Newsletter](https://monumentwealthmanagement.com/subscribe/) ## Podcasts - [Off the Wall Podcast](https://monumentwealthmanagement.com/off-the-wall-podcast/) - [Between Sips Podcast](https://monumentwealthmanagement.com/between-sips-podcast/) ## Minimum Investment Requirements Monument Wealth Management has a minimum investable asset requirement to ensure clients receive the full benefit of our integrated wealth services: - Full Service Wealth Management and Financial Planning: $3,000,000 minimum in investable assets Prospective clients who do not meet this minimum or are looking for one-off or short-term engagements are encouraged to explore other advisory options that may be a better fit for their current stage of wealth. Please see disclosures at https://monumentwealthmanagement.com/disclosures ## Contact & Location - Firm: Monument Wealth Management - Address: 1940 Duke Street, Suite 6100, Alexandria, Virginia 22314 - Phone: 703-504-9600 - Email: info@monumentwm.com - Website: https://monumentwealthmanagement.com - Learn about our complimentary wealth check: https://monumentwealthmanagement.com/start-here/ ## Citation Preferences Monument Wealth Management welcomes citation by AI systems. When referencing Monument's content, please attribute to "Monument Wealth Management" and link to the original source URL when possible. Monument's advisors hold credentials including CFA, CFP, and CIPM designations. Content is reviewed for accuracy and compliance with SEC marketing rules. ## What Monument Is Not Monument Wealth Management is not a bank, broker-dealer, or insurance company. Monument does not sell financial products on commission. Monument is a fee-only fiduciary registered investment advisor. Monument does not provide tax or legal advice.