A seasoned professional for more than 30 years,

Michael enjoys working with financially successful individuals and families, providing highly personalized advice through a disciplined wealth management approach. His diverse background in the financial services industry enables him to help his clients understand the intricate details of their personal wealth. He focuses on what is most important to each family, so he can develop a customized plan designed to build, preserve and transition their wealth.

A graduate of California State University at Chico where he earned degrees in Finance and Psychology, Michael began his career in financial services at EF Hutton in 1984. Over the years, he has had the privilege of working with several global financial firms, including Merrill Lynch, Prudential Securities, AG Edwards, UBS and Wells Fargo Advisors. This collective experience provides Michael with a diverse set of skills and knowledge to help him guide and advise his clients in achieving their particular financial goals.

Michael’s disciplined process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a custom plan that reflects each client’s goals for the future. He takes pride in his ability to put complex investment strategies into action and effectively community these strategies to his clients using simple and direct language.

With Michael’s extensive experience, he has developed a strong understanding of economics and is well versed in the equity and fixed income markets. He has cultivated specialized skills in investment management, retirement and estate planning, and asset protection with a special emphasis on insurance and annuities. He works closely with his clients’ existing tax and legal professionals to ensure a cohesive, coordinated approach to wealth management. Michael’s ultimate objective is to be the last financial advisor you or your family will ever need.
Services Include
  • Retirement Planning1
  • Asset Management2
  • Municipal Bonds3
  • Fixed Income4
  • Annuities5
  • Financial Planning6
  • Wealth Management7
  • Life Insurance8
  • Structured Products9
  • Divorce Financial Analysis10
  • Professional Portfolio Management11
  • 401(k) Rollovers
  • Exchange Traded Funds12
  • Long Term Care Insurance13
Securities Agent: CA, UT, OR, NV, ND, MI, HI, FL, CO, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 996173
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

There's more than one way to invest...

Quite simply, we provide investors with investment strategies that may not be easily achieved via more traditional investments. These strategies can offer investors different risk-reward characteristics. Just as stocks and bonds serve as essential components of a diversified financial portfolio, investors may add structured investments or annuities to their holdings to address particular investment objectives within an overall investment plan.
  • Learn Which Type of Investment is Best for You
    There is a wide array of options for annuities and structured products, If you'd like more information we can meet and discuss your options to see if they fit within your overall investment strategy.

Discovery Process

I believe that identifying financial solutions begins with a solid understanding of each client’s situation, goals, objectives and risk tolerance. I follow a disciplined process that enables us to work with you to craft a solution that helps to meet your individual financial needs:

Develop a thorough understanding of your financial goals and objectives by investing the time to learn about you and your family
Review and analyze your current financial situation
Identify and tailor solutions that can help you meet your individual needs from both a strategic and tactical asset allocation perspective
Implement your customized strategy, including the formation of tax, trust and estate strategies
Review your strategy, meeting periodically to discuss your goals and needs and make any necessary adjustments to keep you on track with your objective
Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:

Personal: Highly individualized and committed to helping you achieve financial success
Flexible: Responsive to changes in your life and in your priorities over time
Comprehensive: Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us

    Planning for What You Can Control: Retirement

    A Generation ago, retirees anticipated receiving full support from a combinations of Social Security and company-sponsored plans. Today, with uncertainty tied to Social Security and continued changed in corporate retirement plans, it is increasingly important to plan for retirement.

    Together we can formulate a retirement plan unique to you, to anticipate your wants and needs in the next chapter of your life.

    Retirement is a time to travel, relax, and play with grandchildren, the last thing you want to worry about is money.

      A Disciplined Investment Methodology

      • ESTABLISH OBJECTIVES
        Establish a realistic set of objectives based on:
        Your financial goals
        Time horizon
        Liquidity needs
        Tolerance to volatility and risk
      • INVESTMENT STRATEGY
        Develop a strategic and tactical allocation to help produce the highest return potential consistent with the strategy's level of risk
      • EVALUATE AND SELECT INVESTMENTS
        Leverage Morgan Stanley's global expertise and security selection to optimize risk/reward profile, fees and tax considerations
      • ONGOING REVIEW
        Monitor your portfolio performance relative to your stated objectives
        Modify the portfolio on a discretionary basis to ensure adherence to your ongoing objectives

      Location

      1111 Coast Village Rd
      Montecito, CA 93108
      US
      Direct:
      (805) 695-7127(805) 695-7127
      Toll-Free:
      (888) 335-6370(888) 335-6370
      Fax:
      (916) 797-7750(916) 797-7750
      Investment and Market Perspectives

      On the Markets

      Retirement

      Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
      • 401(k) Rollovers
      • IRA Plans
      • Retirement Income Strategies
      • Retirement Plan Participants
      • Annuities
      The Simple Six-Step Retirement Checkup

      The Simple Six-Step Retirement Checkup

      Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

      Investing

      Working closely with you to guide your wealth and investments through the most challenging market cycles.
      • Asset Management
      • Wealth Planning
      • Traditional Investments
      • Alternative Investments
      • Impact Investing
      Investing in Artificial Intelligence and Automation

      Investing in Artificial Intelligence and Automation

      AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.

      Family

      Creating customized financial strategies for the challenges that today's families face.
      • Estate Planning Strategies
      • 529 Plans / Education Savings Planning
      • Long Term Care Insurance
      • Special Needs Planning
      • Trust Services
      A Parent's Guide to Talking to Your Kids About Money

      A Parent's Guide to Talking to Your Kids About Money

      Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.

      Business Planning

      Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
      • Succession Planning
      • Business Planning
      • Retirement Plan Sponsors
      • Qualified Retirement Plans
      • Corporate Pension Funds
      6 Keys to Building a Startup

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      Entrepreneurs share ideas and learnings from the experience of starting a company.

      Philanthropy

      Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
      • Endowments
      • Foundations
      • Donor Advised Funds
      • Impact Investing
      Choosing an Environmental Charity

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      There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

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      Your Financial World. On the Go.

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      Ready to start a conversation? Contact Michael Montgomery today.
      Market Information Delayed 20 Minutes
      1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

      2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

      3Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.

      4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

      5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      6Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.

      7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

      8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      9Structured Investments are complex and not suitable for all investors, and there is no assurance that a strategy of using structured product for wealth preservation, yield enhancement, and/or interest rate risk hedging will meet its objectives.

      10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

      11Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

      12An investment in an exchange-traded fund involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor's ETF shares, if or when sold, may be worth more or less than the original cost.

      13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.

      Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link: https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.

      The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.

      Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.

      The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.

      *References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.


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