Insights

Quarterly Client Letters

Our quarterly letters in one place, newest first. Each one shares how we think about markets, planning and investor behavior.

Quarterly client letters are Lee McGowan's written notes to Monument Group clients, shared here for anyone to read. Each one steps back from the latest market news to explain how we think about investing, planning and investor behavior. They are educational, describe our process, and are not personalized advice or a forecast.

How we help

Investment Management

Evidence-based, fee-only portfolio construction, built around value, tax efficiency and the risk your own plan requires — not a forecast.

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Financial Planning

Life planning that coordinates retirement income strategies, estate planning, tax planning, risk management, and charitable giving into one cohesive blueprint.

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