Steve Montgomery, CFA, CFP^®, CLU^®, ChFC^®, MSFS, CCIM, CVA, ABAR, CM&AA, CPA, NSSA
Legion Private Wealth Management

Financial Services

Financial Planning for Individuals & Business Owners: We offer in-depth financial planning services for individuals and business owners, incorporating valuation services, investment advice, and management, ensuring tailored solutions for every client.

Financial Advice & Consulting: Our experienced advisors provide personalized financial advice and consulting services, guiding clients on crucial financial decisions, and helping them achieve their long-term goals.

Portfolio Management: Our skilled team employs a meticulous approach to managing portfolios, combining deep analysis with strategic and tactical asset allocation, to achieve optimal investment outcomes.

Retirement Planning & 401k Rollovers: We offer expert guidance to help clients plan for a secure retirement, including seamless rollovers from 401k accounts, ensuring smooth transitions and preserving their financial futures.

Annuities are indeed a complex financial product that is often misunderstood. As fiduciary investment advisors, our focus is not on selling annuities, but rather on providing objective and unbiased advice to our clients. We employ a fiduciary process to carefully assess each client's unique financial situation and determine whether an annuity or a portfolio of annuities is a suitable allocation within their overall investment strategy. Annuities can be viewed as just another asset class, alongside stocks and bonds, with distinct characteristics that can add value to a diversified portfolio. They offer features such as tax-deferred growth, guaranteed income streams, and protection against market downturns, making them a potential solution for specific financial needs. Our fiduciary approach involves a thorough analysis of your financial goals, risk tolerance, time horizon, and liquidity requirements. We then consider how annuities fit into the overall asset allocation, taking into account the potential benefits and drawbacks for your individual circumstances. Transparency is at the core of our services, and we ensure that our clients understand the intricacies of annuities before making any decisions. Our primary objective is to help you make informed choices that align with your financial objectives and enhance your overall portfolio performance. By approaching annuities as one of many investment options and carefully considering their role in a well-diversified portfolio, we aim to provide you with a comprehensive and prudent financial strategy that seeks to optimize returns while managing risk effectively.

Estate Planning & Insurance Planning: We help clients create effective estate plans, ensuring their wealth is preserved and distributed as per their wishes. Additionally, we offer insurance planning to protect against unforeseen circumstances.

Our tax experts provide invaluable advice and planning, optimizing tax efficiency and minimizing liabilities, thus enhancing overall financial well-being.

Wealth Management & Money Management: Our tailored wealth management strategies enable clients to protect, grow, and transfer their wealth, while our adept money management ensures their assets are diligently monitored and optimized.

Risk Management: We prioritize safeguarding our clients' financial interests through comprehensive risk management, identifying potential threats and implementing strategies to mitigate them effectively.

Retirement planning is a crucial aspect of our fiduciary services, focusing on helping clients secure a financially stable and fulfilling retirement. Our experienced advisors work closely with individuals and couples to create personalized retirement strategies tailored to their unique goals and circumstances. We begin by assessing clients' current financial situations, including income, assets, and existing retirement accounts. Through in-depth analysis and forecasting, we develop comprehensive retirement plans that outline the steps needed to achieve their desired lifestyle during retirement. Our retirement planning services encompass various aspects, such as optimizing contributions to retirement accounts, including 401(k)s, IRAs, and Roth IRAs. We also assist with 401(k) rollovers and provide guidance on pension options if applicable. Additionally, we take into account potential sources of retirement income, such as Social Security benefits, and help clients make informed decisions about the best time to start claiming these benefits. Moreover, we address tax implications and devise strategies to minimize tax burdens during retirement, ensuring clients can make the most of their savings. Throughout the retirement planning process, we regularly review and adjust the strategy as necessary, considering changing circumstances and financial market conditions. Our goal is to empower clients with a clear roadmap to a financially secure and enjoyable retirement, providing peace of mind for their golden years.

Institutional fiduciary money management is a specialized financial service tailored to both individual and business clients seeking professional, institutional-level expertise in managing their investments. This approach combines the benefits of institutional money management with the fiduciary duty, which places the client's best interests at the forefront. For Individuals: Individuals who opt for institutional fiduciary money management gain access to sophisticated investment strategies and personalized portfolio management typically reserved for larger institutional investors. The fiduciary responsibility ensures that the advisor acts solely in the client's best interest, prioritizing long-term financial goals and risk tolerance. This approach offers diversification across various asset classes, active management, regular reporting, and transparent communication to keep individuals informed and confident about their financial future. For Businesses: For businesses, institutional fiduciary money management provides comprehensive solutions to grow and preserve corporate assets. Whether it's managing corporate retirement plans, endowments, or other investment accounts, this service aligns with the company's specific financial objectives and fiduciary responsibilities. Businesses benefit from professional guidance in constructing effective investment strategies, prudent risk management, regulatory compliance, and ongoing support to navigate changing market conditions. Overall, institutional fiduciary money management for individuals and businesses empowers clients to make informed financial decisions, achieve their goals, and secure their financial future with the expertise, transparency, and fiduciary care typically associated with large institutional investors.

Our financial planning services for business owners are uniquely tailored to meet the specific needs and goals of entrepreneurs and business professionals. What sets us apart is our comprehensive approach, offering a full suite of services, including valuations and business brokerage services in-house. Valuations: We understand that knowing the true value of your business is essential for strategic decision-making and planning for the future. Our team of experts conducts thorough and accurate business valuations, providing you with a clear understanding of your company's worth. Whether it's for merger and acquisition purposes, succession planning, or any other strategic objectives, our valuations offer valuable insights to support your business's growth and success. Financial Planning: Our financial planning for business owners encompasses a wide range of areas critical to your financial success. We work with you to develop customized financial plans that align with your business and personal goals. This includes optimizing business income, tax planning, risk management, retirement planning, investment strategies, estate planning, and more. By integrating both your business and personal financial goals, we ensure a holistic approach that maximizes opportunities and minimizes risks. At our firm, we recognize that as a business owner, your financial life is intricately tied to the success of your business. That's why we offer specialized financial planning services that encompass valuations and business brokerage in-house, providing you with the support and expertise needed to make informed decisions and achieve your long-term financial objectives.

We offer comprehensive and direct investment advice and management services, setting us apart as a manufacturer in the financial industry. Our unique approach enables us to provide fiduciary Chief Investment Officer (CIO) services and fiduciary portfolio management, all in-house, with no intermediaries involved. This means you have a direct line of communication with your dedicated manager, fostering transparent and personalized interactions. As your CIO, we take on the responsibility of overseeing your entire investment strategy. Our seasoned professionals conduct rigorous analysis, research industry trends, and make informed decisions to optimize your investment portfolio. Our fiduciary duty ensures that your interests are paramount, and our recommendations are driven solely by your financial goals and risk tolerance. Our in-house fiduciary portfolio management is built on trust, expertise, and client-centricity. We create tailored investment portfolios that align with your specific needs, time horizon, and risk appetite. With a keen focus on risk management and performance optimization, we diligently monitor your investments and make adjustments when necessary, keeping you on track to achieve your financial objectives. As the manufacturer of our investment services, there are no intermediaries involved in the process. This direct approach translates into what we believe are lower fees for our clients. We are committed to providing exceptional investment advice and management services, delivering the expertise of a fiduciary CIO alongside in-house portfolio management. With transparent communication, personalized solutions, and a focus on lowering fees, we strive to empower you to achieve your financial aspirations with confidence and peace of mind.

Advance insurance planning is a specialized financial strategy that involves the strategic use of various insurance products to protect and preserve an individual or business's financial well-being against potential risks and uncertainties. This proactive approach to insurance planning goes beyond basic coverage and aims to optimize insurance solutions to meet specific needs and objectives. Overall, advance insurance planning provides peace of mind by proactively addressing potential risks and securing financial stability for individuals, families, and businesses. It is a proactive and comprehensive approach to insurance that goes beyond basic coverage and aims to safeguard financial well-being for the long term.