Montoya Wealth Management

Montoya Wealth Management

Brandon Montoya and Erica Ryberg launched Montoya Wealth Management in 2016 after Montoya concluded that the broker-dealer model prevented him from delivering the service level he wanted. The firm operates as a fee-only registered investment advisor headquartered in Prescott, Arizona, and uses Charles Schwab as its custodian. Ryberg holds the CFP® designation and leads financial planning; Montoya is an Enrolled Agent and Accredited Portfolio Management Advisor (APMA®) who oversees portfolio construction. The firm builds custom portfolios with broad diversification and low internal fees, selecting securities without earning commissions. The published fee schedule starts at 1% on the first $1 million and declines to 0.20% above $3 million. Montoya Wealth Management describes its investment philosophy as independent and fiduciary, avoiding proprietary products and annuities entirely. Client assets are held with Charles Schwab, and the firm uses Blueleaf for performance reporting and RightCapital for planning. Geographic focus is Northern Arizona, served from a single office on Willow Creek Road in Prescott. The firm employs three professionals — Montoya, Ryberg, and business manager Amanda Hiler. It maintains a $1.5 million minimum for new advisory relationships and refers smaller prospects to external advisors. Financial planning for non-investment clients is billed hourly at $300, with project engagements typically ranging from $3,000 to $6,000. Clients in employer-sponsored retirement plans receive one planning module per year as part of their management fee. Montoya Wealth Management’s architecture differs from most independent RIAs in its explicit minimum threshold and its refusal to accept commissions or sell insurance products. The firm presents itself as a local Prescott practice built around a single principal’s portfolio management, rather than a multi-advisor platform or a national aggregator. The two co-founders remain the sole investment and planning decision-makers, keeping the service model deliberately narrow.