Straight answers to the questions we get most.

Monument stands apart through a disciplined, fee-only approach that combines financial planning, tax strategy, estate coordination, and evidence-based investment management under one integrated framework. You work directly with a fiduciary advisor who builds a long-term relationship, brings you what is worth acting on before you have to ask, and keeps a written blueprint you can make decisions against as life changes.

Master Planning is Monument’s comprehensive, holistic, multi-disciplinary blueprint that aligns your wealth, taxes, estate structure, and life priorities into one cohesive plan. We begin with a deep understanding of your values and goals, develop tailored strategies across all areas of your financial life, and update the plan continuously as circumstances evolve. It’s an ongoing process designed to keep you moving forward with clarity.

Yes. As a fiduciary, Monument is legally and ethically obligated to act in your best interest at all times. That means transparent advice, no product sales, and recommendations rooted solely in what supports your long-term financial wellbeing.

Monument operates on a fee-only model. We do not receive commissions, referral fees, or compensation from financial products. Clients pay a clear, transparent advisory fee.

The clearest sign is that your decisions have started to depend on one another. A couple deciding when each of them should claim Social Security, while also working out which of three accounts should fund the first years of retirement and whether a conversion belongs in this tax year, is exactly the ground this work covers. Our case studies follow three situations of that kind from the first conversation onward. Our current account requirements are set out in our Form ADV Part 2A, which is linked at the foot of every page, and a short conversation will tell you more than any figure would.

We help people who are within five to ten years of retirement or recently retired, and who have built substantial assets through a career of steady saving. Many come to us at a point of change — a retirement date coming into view, an estate plan that has not been read in a decade, a portfolio that needs to start producing income — and want someone thoughtful to think alongside them.

We review your plan proactively throughout the year, adjusting as markets, tax laws, or personal circumstances shift. Updates typically occur semi-annually, but we meet more frequently when life changes, new goals emerge, or opportunities arise. Planning is continuous, not static.

Our onboarding is structured, unhurried and supportive. We begin with a discovery conversation, gather your financial information securely, build a personalized Master Planning blueprint, and go through the first recommendations together. From there we implement the strategy and set a rhythm of ongoing conversations to keep you moving forward.

We are in touch throughout the year: scheduled conversations, email updates, regular check-ins, and timely outreach when markets move or a tax planning window opens. You also have direct access to your advisor whenever a question comes up. The approach is responsive, consistent and built around the relationship.

Bring what helps you feel prepared: recent statements, tax returns, estate documents, insurance information, and a clear sense of your goals and concerns. The most important element is an open conversation — we’re here to guide you through the rest.

We work with people across the country by secure video, with digital planning tools and an online portal. Anyone nearby is welcome to sit down with us in Concord or Boston instead. Whether we talk remotely or in person, the experience is the same.

Look for a fee-only fiduciary who provides comprehensive planning, transparent pricing, and a relationship-driven approach. The advisor should have the expertise to manage investments, taxes, and long-term financial strategy — not just one piece of the puzzle. Independence, education, and long-term alignment matter.

Many people find that a fee-only fiduciary model creates clearer incentives and more objective advice. Because the advisor is paid solely by the client, there are no commissions or product-driven conflicts. Over time, this structure tends to support better long-term decision-making, consistent strategy, and greater trust.