# Monson Wealth Management

Monson Wealth Management is a Bank / Wealth / Trust based in Kennewick, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Kennewick, United States
- **Region:** North America
- **Address:** Kennewick, WA, United States
- **Founded:** 2000
- **Assets under management:** Undisclosed
- **Website:** monsonwealthmanagement.com
- **LinkedIn:** https://www.linkedin.com/company/monsonwealthmanagement

## Regulatory record

- **CRD number:** 169857
- **SEC file number:** 801-133837
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2026-03-31T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0

## About

Monson Wealth Management was founded in 2000 in Kennewick, Washington by Eldon Monson, a CFP and RICP. The firm's entire practice is built around retirement planning for Hanford Site contractor employees, a workforce navigating multi-employer pensions, frequent DOE contract transitions, and benefit structures distinct from both federal civil service and private industry. The firm deploys capital through a fee-only fiduciary model, focusing on financial planning, investment management, and estate coordination rather than product sales. Monson's strategy is defined by its narrow client concentration: Battelle, Energy Northwest, Bechtel, Mission Support Alliance, Amentum, and other Hanford prime and subcontractor employees. The firm coordinates pension portability across multiple employers, consolidates scattered 401(k) accounts accumulated over years of contractor changes, and advises on Social Security timing and healthcare coverage gaps before Medicare eligibility. Geographic footprint is entirely concentrated in the Tri-Cities region of Washington's Columbia Basin. Monson operates from a single office in Kennewick with a team that includes Practice Manager Tarina Cardenas and Client Engagement Director Linn Hege Serven. The firm does not disclose AUM or total client figures. It maintains integrated relationships with adjacent services such as mortgage discussion and insurance review within a single planning engagement, and assists families with estate planning through the Wealth.com platform. The firm has operated continuously since 2000 with no major structural changes disclosed. Monson's structural differentiator is its decision to build an advisory practice around a single Department of Energy employment ecosystem. Rather than diversifying across geographies or professions, the firm's entire value proposition depends on institutional knowledge of Hanford-specific pension rules, contractor-to-contractor transition protocols, and the tax implications of coordinating pension, 401(k), and Social Security streams for a concentrated demographic — creating a deep but narrow moat that makes the firm non-replicable without 25 years of local embeddedness.

## People

- Eldon Monson — Founder & Lead Advisor
- Tarina Cardenas — Practice Manager
- Linn Hege Serven — Client Engagement Director

## Questions

### How does Monson Wealth Management source its clients?

The firm sources clients almost entirely from the Hanford Site employment ecosystem — Battelle, Energy Northwest, and the rotating prime contractors managing DOE cleanup work. Its website functions as a direct funnel for this audience, with specialized content addressing multi-employer pensions, frequent contractor transitions, and scattered 401(k) accounts that only apply within this specific workforce.

### How is Monson compensated?

Monson operates as a fee-only fiduciary. The firm states it does not earn commissions or sell financial products, and offers multiple service models including comprehensive planning, investment management, and consultation-only engagements. Specific fee schedules are discussed during initial consultations and are not publicly posted.

### What is Monson's known posture on co-investments alongside external GPs?

Monson does not engage in co-investments or institutional club deals. The firm's structure — a small RIA serving individual retirees in a single geographic concentration — makes LP-style co-investing alongside external managers irrelevant to its business model.

## Related profiles

- [Monsen Ventures](https://altss.com/profile/monsen-ventures)
- [Monsoon Capital](https://altss.com/profile/monsoon-capital)

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Updated: 2026-06-03T20:00:00.000Z

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