Financial Planning Services

One Plan, Every Decision

At Monument, we take the same approach—researching you as deeply as we research the markets. Our objective is to deliver recommendations that align with your broader goals, giving you the confidence to make life’s biggest decisions.

How Does Monument Approach Financial Planning?

We use an ongoing, integrated process that helps bring your investments, goals, and major life decisions into strategic alignment. You’re the kind of person who builds wealth intentionally so, together, we’ll approach your financial planning in this same way.

Our Integrated Wealth Management Services

Why Financial Planning Is Foundational

We do the scenario modeling and explain the results. This helps you:

Reduce overwhelm and bring your financial picture into focus

Understand your options and act decisively in moments that count

Create optionality for your future

From managing cash flow and minimizing taxes to planning for retirement and protecting your legacy, every decision gets modeled, pressure-tested, and prioritized. This is planning designed to move with you—and built around the real-life decisions that matter most.

From managing cash flow and minimizing taxes to planning for retirement and protecting your legacy, your key decisions are modeled, pressure-tested, and prioritized. This is planning designed to move with you—and built around the real-life decisions that matter most.

What Our Financial Planning Services Cover

As part of our ongoing relationship, your financial plan is designed to include guidance and scenario modeling across your major decision points:

Retirement Planning

We help you understand how much you need to retire the way you want, and create a strategy to get there. Our planning covers income strategy, drawdown sequencing, longevity risks, Social Security, and Medicare—to help you retire strong.

Estate Planning

Your wealth should reflect your intentions—both during life and after. We collaborate with your attorney to design estate planning strategies that align with your values, protect your loved ones, and support your philanthropic goals.

Cash Flow Planning

We treat cash as a strategic asset class. From short-term needs to long-term flexibility, our cash flow planning helps you understand how much you need, how much you can deploy, and when to act.

Tax Planning

Tax strategy is embedded into your financial plan. We work closely with your CPA to help minimize your liability across investments, stock compensation, charitable giving, and more.

Risk Management

We review your insurance coverage, helping to uncover gaps, eliminate waste, and create a protection plan that supports your broader financial strategy.

Education Savings Planning

Want to balance your own goals with your desire to support others? Whether you’re saving for private school or grad school, we evaluate vehicles like 529s and model how education funding fits into your larger plan.

Charitable Giving

You want your giving to be as intentional as your investing. We help you evaluate donor-advised funds, gifting appreciated assets, and donation timing and structures that align your generosity with your goals.

Stock-Based Compensation

Equity compensation decisions often carry big implications. We evaluate your RSUs, PSUs, and Stock Options to help you plan for taxes, cash flow, diversification, and concentration risk.

Please see important disclosure information below.

Who Our Financial Planning Services Are Built For

We work with:

Executives and professionals with growing complexity in their financial lives
Business owners looking to align personal and business wealth strategies
Families planning for major milestones like retirement, education, or relocation
People in transition who need clarity and confidence to take their next step

The Monument Approach to Financial Planning

We believe that your plan and your portfolio go hand-in-hand. Our philosophy is to create plans that are:

Integrated

Our approach is to integrate and connect the pieces of your plan—from investing and charitable giving to estate and tax planning—into one cohesive wealth strategy framework.

Decision-Oriented

We focus on what’s next. Every meeting aims to move you forward with clarity and action.

Intentionally Modeled

Using advanced financial modeling, we simulate real-life scenarios to stress-test your strategy and help you weigh your options.

Evolving

Life changes, and so will your plan. We revisit and refine regularly.

Please see important disclosure information below.

What Will You Walk Away With?

As your financial planning partner, we want you to gain:

All of this without the mental drag—because you have us as your thinking partner.

Monument’s Leadership Team

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Please Note: Limitations: The above is a hypothetical scenario not involving an actual Monument Capital Management, LLC (“Monument”) client. It illustrates the hypothetical experience of a fictitious client based on a scenario that an actual client might experience. The scenario is designed to help illustrate how Monument might provide services to similarly situated clients. Keeping in mind that no two clients, situations, or experiences are exactly alike, the above should not be construed as an endorsement of Monument by any of its past or current clients, nor any assurance that Monument may be able to help any client achieve the same satisfactory results. To the contrary, there can be no assurance that a client or prospective client will experience a certain level of results or satisfaction if Monument is engaged, or continues to be engaged, to provide investment advisory services. A copy of our current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request or at monumentwealthmanagement.com/disclosures

Build a Plan for What Comes Next

Whether you’re solving for today or preparing for tomorrow, your financial plan should bring clarity and momentum to every decision. Let’s build it together.

Monument is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice.