Financial Planning

Personalized Financial Planning

A Roadmap for Your Financial Life

Financial planning is more than just numbers—it’s about clarity, confidence, and living life on your terms. Our fiduciary advisors in Brea design strategies tailored to your goals, so you can make informed decisions today and prepare for tomorrow. Your finances touch every part of life—from retirement and taxes to your family and business. Without a plan, it’s easy to feel reactive instead of confident. At Montage Wealth Advisors, we take a proactive approach: helping clients across Orange County communities create financial roadmaps that align with their goals, values, and future.

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What We Cover

Comprehensive Planning, Tailored to You

Our financial planning process goes beyond investments to consider every element of your financial picture. Core areas include:

Retirement Readiness

Assessing income needs, Social Security, and lifestyle planning.

Investment Alignment

Ensuring portfolios reflect your risk tolerance and long-term goals.

Tax Strategy

Coordinating in-house tax planning and preparation to minimize liability.

Estate & Legacy Goals

Planning for trusts, charitable giving, and wealth transfer.

Insurance & Risk Protection

Reviewing coverage for life, disability, and long-term care.

College Funding

Creating education savings strategies that fit within your broader plan.

Questions About Financial planning?

Here’s What You Need to Know

  • How is your financial planning different from just investment management?

    Investments are only one part of a complete financial plan. Our process integrates retirement planning, tax strategies, insurance, estate considerations, and even education funding. By addressing every piece of the puzzle, we provide a plan that’s both comprehensive and coordinated.

  • Do I need financial planning if I already have an accountant?

    Yes. An accountant typically looks backward to file your taxes, while we look forward to plan for your financial future. In fact, our in-house tax team collaborates with accountants and CPAs to help ensure your strategies are both tax-efficient and aligned with your long-term goals.

  • When should I start financial planning?

    The sooner the better. Many of our clients in Brea and beyond start in their 40s and 50s as they approach retirement, but financial planning is valuable at every stage of life—whether you’re building wealth, managing a business, or navigating a life transition.

  • How often do we review my financial plan?

    We believe financial planning is an ongoing process, not a one-time event. We meet with clients regularly—at least annually, or more often if life changes occur—to update and adjust strategies as needed.