A Complete Approach to Financial Planning
At Monson Wealth Management, financial planning goes beyond retirement. We bring together every aspect of your financial life into one cohesive plan, designed to reflect your goals and values.
From investment strategies to college savings and tax efficiency, our services help you navigate life’s milestones with clarity. Whether you live in Kennewick, Pasco, Richland, or surrounding communities, our fiduciary, flat-fee approach puts your interests first every step of the way.
Investment Management
Your investment portfolio should be more than numbers—it should be a reflection of your future. We design and manage portfolios that match your retirement timeline, cash flow needs, and risk tolerance. Our investment management process emphasizes long-term discipline and regular reviews to keep your plan aligned with changing markets and life events.
Tax Planning Strategies
Taxes can be one of the biggest costs in retirement and throughout your financial life. We integrate tax planning into your overall strategy, coordinating investment moves with distribution planning. Whether it’s managing required minimum distributions, evaluating Roth conversions, or working with your CPA, our tax planning helps reduce surprises and keep more of your money working for you.
Cash Flow & Budgeting
Every plan starts with cash flow. We work with you to build a spending and savings strategy that fits your goals—covering essentials like housing and healthcare while also making room for travel, hobbies, and giving. Our process can also address debt repayment, helping you balance today’s needs with tomorrow’s priorities.
College Planning
Education costs are rising, but with the right plan, they don’t have to disrupt your retirement. We help families set up 529 plans, compare education savings options, and balance saving for college with staying on track for retirement. For families across Washington, thoughtful college planning means providing opportunities without sacrificing long-term goals.
Risk Management & Insurance
Life has uncertainties, and the right insurance coverage helps prepare for them. We review life insurance, disability coverage, and long-term care options to ensure your financial plan accounts for unexpected events. Even if insurance is not the main focus, it’s a key layer of protection that complements investments, estate planning, and tax strategies.
A Holistic Financial Planning Approach
Financial planning is not just about individual pieces—it’s about how they work together. At Monson Wealth Management, we coordinate investments, taxes, cash flow, insurance, and estate planning into a single, easy-to-follow strategy. This approach helps you see the big picture, understand how each decision affects the others, and move forward with confidence.
Ready for a Comprehensive Plan?
Your financial future deserves a clear, coordinated strategy. Whether you’re preparing for retirement, saving for college, or just need a checkup, Monson Wealth Management is here to help.
What is a fiduciary financial planner?
A fiduciary is legally obligated to act in your best interest. As fiduciary advisors, we focus solely on what benefits you—not on commissions or outside incentives.
Do I have to invest my money with you to get financial planning?
We offer both comprehensive planning and ongoing investment management. Depending on your needs, we can help with planning-only engagements or manage assets as part of your strategy.
How often do we review my financial plan?
We recommend annual reviews, with quarterly portfolio updates or whenever life changes. Regular check-ins keep your plan relevant and effective.
I have a 401(k) from work—can you still manage it?
Yes. We advise on employer plan allocations and manage rollovers when you retire or change jobs, ensuring your 401(k) fits into your overall strategy.
How are you different from other financial advisors?
We’re fee-only fiduciaries. That means transparent pricing, no commissions, and a planning approach designed around your goals, not product sales.