Michael Montgomery
Senior Vice President,
Financial Advisor,
Senior Portfolio Manager
Direct:
(805) 695-7127(805) 695-7127
Toll-Free:
(888) 335-6370(888) 335-6370
My Mission Statement
Over the last 40 years I have worked to optimize all financial aspects of my clients lives by planning and then executing strategies designed to address their specific objectives. These personalized solutions to building, preserving and transitioning wealth are achieved using Morgan Stanley's world class resources.
A seasoned professional for more than 40 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 a number of the world's most well respected 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.
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 a number of the world's most well respected 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.
Securities Agent: MI, AZ, FL, HI, MA, OR, NV, CO, TX, CA, UT, MT, MO, IL, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 996173
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, objectives, preferences and risk tolerance. I follow a disciplined process that enables me to work with my clients to craft a solution that helps to meet their 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
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 create a retirement plan unique to you which anticipates your wants and needs during this 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.
Together we can create a retirement plan unique to you which anticipates your wants and needs during this 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
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
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
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact Michael Montgomery today.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and 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 matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Municipal bonds may not be appropriate for all investors. Income 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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 appropriate 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”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and 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 matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Municipal bonds may not be appropriate for all investors. Income 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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 appropriate 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”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
