Holistic, coordinated planning from one team

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.

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.

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.

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.

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.

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.

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.

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.