Plan Now for Your Future

Montanez Team

From our experience, many people look back on their lives with regret; not for the things they have done, but for the things they have left undone. They find they are more successful than they thought they would be and often feel stretched too thin. They find themselves in situations that are more complex and less predictable than they anticipated.

Through the relationships our team has built, Montanez Financial has found enjoyment working with professionals, closely held business owners, and forward-thinking families. Josh and his team understand that what makes them standout is their ability to work closely with specialist across multiple fields. We have found from our client’s experience that our value is strategic thinking and brainstorming, helping them know what they don’t know. We also think differently. We are constantly planning with foresight around our ever-changing environment- tax, political, economic, etc.

The Montanez Financial team prides themselves on not being a commodity but having a trusted relationship with their clients with a long-term view on their personal, professional, and financial aspirations. Josh is a fully licensed financial advisor and CERTIFIED FINANCIAL PLANNER professional, and chooses to run his practice based on goal oriented and risk adverse planning.

Using a comprehensive and consultative approach, Josh and his team employ a four-step process in working with his clients:

  • Discovery – Achieving clarity as to vision and goals; identifying financial gaps.
  • Creative Solutions – Educating and clear thinking about solutions; making decisions and helping to close financial gaps.
  • Strategy Development – Implementing the solutions to help achieve the desired outcome.
  • Result – Maintaining the implemented results; assuring confidence that the strategies will work over time.

What this means to you is that Josh and his team will carefully listen to and respect your unique situation, help you clarify your goals and objectives, and if planning recommendations are needed, make them with integrity.

The real benefit of working with Josh and his team is that you will feel taught – not sold, better organized, and more confident in planning the financial security for current and future generations.

The Northwestern Mutual Difference

We make plans for people, not just money. So no matter your goals, we have access to top rated products and services to help you meet each one.

  • Best Life Insurance Company ranked by NerdWallet, 2019 to 20201
  • AAA, Aaa, and AA+ the highest financial strength ratings of any life insurer from all four major rating agencies2
  • Top 10 U.S. Independent Investment Broker-Dealers3
1©2017-2020 and TM, NerdWallet, Inc. All Rights Reserved.

2Northwestern Mutual continues to have the highest financial strength ratings awarded to any U.S. life insurer by all four of the major rating agencies: A.M. Best Company, A++ (highest), April 2020; Fitch Ratings, AAA (highest), August 2020; Moody’s Investors Service, Aaa (highest), December 2020; S&P Global Ratings, AA+ (second highest), June 2020. Third-party ratings are subject to change. Ratings are for The Northwestern Mutual Life Insurance Company and Northwestern Long Term Care Insurance Company.

3Measured by 2020 total revenues. Ranking for Northwestern Mutual Investment Services, LLC. Sources: Financial Advisor magazine and Investment News, April 2021.

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To learn more about Northwestern Mutual Investment Services, LLC and its financial representatives, visit: FINRA BrokerCheck

Visit our Client Relationship Summaries (Form CRS) which provide brief information about our firms that provide brokerage services and advisory services.