Why Choose Us?
THE POWER OF INDEPENDENCE
Advice is not all the same. We believe not all financial and benefits advice is the same. There are differences in the way advisors and each benefit consultant recommend solutions for their clients and get paid by their clients. We are an independent firm.
What is an Independent firm?
Independent firms are owned by the principals or partners of the firm. We are not employees of a large, “brand name” firm. Because of our independence, we have certain freedoms that an “employee” advisor may not have. For instance, we are under no obligation to represent or use specific financial products, insurance carriers or instruments produced by any particular firm. We provide financial, health solutions and human resource tools to our clients from a broad array of national resources. That means we offer advice based on your specific needs. Advisors who are employed by larger corporate firms may be required to recommend products produced by their firm which may not always be the best fit for their clients.
A Comprehensive Relationship
Our professionals can offer a comprehensive look at your financial affairs. We are relationship oriented not transaction driven. We take the time to understand your vision for your future and that of your family. Once we understand who you are and what your goals are, we look at your whole financial picture to see what steps we need to take to help you achieve those goals. Only then will we make recommendations on investments, insurance, or tax and estate planning. If you are a business owner and need a competitive employee benefits package, the advisors at Montoya & Associates will focus on designing a strategic benefits package that meets your long-term business planning objectives. At Montoya & Associates, we strive to ensure that each piece of your financial strategy is integrated and all aligned with your goals.
A Network of Like Minded Advisors
Although we are independent, we are not alone. As a member of NFP Advisor Services* and Benefits Partners we have a strong connection with other independent firms across the nation. NFP Advisor Services and Benefits Partners are comprised of some of the leading independent firms in the nation, and provide us with a community in which we can share best practices and with ongoing top-notch business management consulting. They help us be better business owners so we can be better advisors.
- Are they limited to using only products sold through their broker/dealer?
- How are they paid for the services they provide?
- Are they incentivized to use certain products over others?
- What are their credentials?
- Will they evaluate my entire financial picture including investments, insurance, tax and estate planning?
*NFP Advisor Services is a business segment of National Financial Partners Corp. (NFP) that includes NFP subsidiaries NFP Securities, Inc. (NFPSI), Member FINRA/SIPC and NFP Indesuite, Inc