Financial Planning
The cohesive, life-planning blueprint
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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Holistic, coordinated planning from one team
Beyond simple financial awareness, our unique Master Planning approach brings together in-house fee-only wealth management, investment management, tax preparation and strategy, estate planning, retirement income planning, and wealth transition experience.
Find your financial clarity
Six disciplines, coordinated in one office
Wealth management, tax preparation and estate coordination all happen in our Concord office, which means the people working on each of them can talk to one another about your plan on any given day.
Investment Management
Evidence-based portfolio construction
Investment Management
Evidence-based, fee-only portfolio construction, built around value, tax efficiency and the risk your own plan requires — not a forecast.
Learn moreTax Strategy & Preparation
Financial planners and tax preparers, together
Tax Strategy & Preparation
Tax planning from a team of financial planners and tax preparers who work side by side for ongoing Monument Group Wealth Advisors clients.
Learn moreEstate & Legacy Planning
Complete transfer coordination
Estate & Legacy Planning
Your financial plan, coordinated with the legal work of our affiliated law firm, so that wills, trusts and beneficiary designations all point the same way.
Learn moreRetirement Income Planning
Income planned to last
Retirement Income Planning
Using sophisticated tools, we help you determine sustainable withdrawal strategies designed to support decades of spending, and to hold up through market volatility.
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Adaptable diversification strategies
Tax-Efficient Wealth Transitions
Deep experience transitioning concentrated stock positions and highly appreciated assets into diversified portfolios while managing tax impact.
Learn moreFor families with complex finances
Financial planning for high-net-worth families
When investments, taxes, an estate and charitable giving have grown into one another, the wealth, tax and legal professionals in our Concord office work on one plan.
Read about high-net-worth planningTax planning, together
Tax planning services from one coordinated team
Our financial planners bring tax planning insights into your plan, and the tax preparers at Monument Group Tax Advisors prepare your returns and assist with the planning. Together they are the tax planning team for ongoing clients of Monument Group Wealth Advisors.
Read about tax planning servicesOur approach
What is holistic financial planning?
It means planning retirement income, taxes, estate structure and risk together instead of one at a time. Our Master Planning approach does this with wealth, tax and legal professionals in one Concord office.
Read about holistic financial planningCurious how we are paid? Read what fee-only fiduciary means.
Curious where to begin?
Most people start with one question and discover it’s connected to four others. That’s usually the right place to begin.
Common questions
What people ask about our services
Do you offer retirement income planning and sustainable withdrawal guidance?
Yes. Monument provides detailed retirement income planning that integrates Social Security timing, tax-efficient withdrawal strategies, portfolio allocation, and spending analysis. We use advanced tools to help determine sustainable withdrawal rates, and we revisit the plan as market conditions and life expectancy assumptions change.What is your investment philosophy?
Our investment philosophy is grounded in evidence-based, globally diversified strategies that align with your goals and your capacity for risk. We hold every position to a standard of value for what it costs to own, we manage tax treatment deliberately, and we favor long-term decision-making over short-term speculation. Every recommendation is integrated into your broader Master Planning blueprint.How do you manage risk, especially for people who are anxious about market volatility?
We approach risk through a combination of thoughtful asset allocation, tax-aware diversification, and proactive communication. For people concerned about volatility, we build portfolios matched to what they can comfortably hold, what their cash flow requires, and where they are going. We also stay in touch through difficult markets, which is usually when it matters most.Do you manage concentrated stock positions or create tax-efficient diversification strategies?
Yes. Monument has deep experience in helping people diversify large, low-basis stock holdings in a tax-efficient manner. Strategies may include staged sales, charitable giving techniques, loss harvesting, or other techniques. We balance tax considerations with risk reduction to create a more resilient, diversified portfolio.Do you provide tax preparation or just tax planning?
We provide both. Monument integrates year-round tax planning with in-house tax preparation to ensure your financial decisions, investments, and retirement strategy are coordinated with your tax outcomes. That coordination reduces surprises and helps you keep more of what you earn. Our in-house tax firm is Monument Group Tax Advisors.How does Monument incorporate tax strategy into investment and retirement planning?
Tax strategy is woven into every decision we help you make, from asset location to withdrawal sequencing, Roth conversion timing, charitable giving strategies, and estate planning coordination. By planning ahead, we aim to minimize lifetime taxes rather than simply reducing taxes in a single year.How do financial advisors help reduce taxes in retirement?
Advisors can reduce lifetime taxes by optimizing Social Security timing, structuring tax-efficient withdrawals, managing required distributions, implementing Roth conversions, coordinating investment location, and using charitable planning strategies. The goal is not just lowering taxes today but minimizing taxes across decades of retirement.Can you help coordinate estate planning or trusts with an attorney?
Yes, though the legal work itself is not ours. Wills, trusts and related documents are drafted by Woodman & Eaton, P.C., our affiliated law firm, or by your own attorney if you have one. Monument Group does not draft estate documents and does not give legal advice. Our role is to coordinate: we check that the estate plan lines up with your broader financial strategy and your beneficiary designations, and that it still reflects your intentions as your life changes.
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Schedule a time to discuss whether our approach is the right fit for you.