Montgomery Financial Services LLC

06/01/2026

Life can change unexpectedly, impacting both emotions and finances. Events like layoffs, divorces, or becoming a caregiver can alter your financial situation. This emphasizes the importance of planning for such changes, offering practical advice to prepare for unexpected financial challenges, such as inheritance surprises or retirement issues. By making small planning moves now, you can safeguard your future.

Divorce. Job loss. Inheritance. Are you ready?

05/12/2026

”Worry often makes a small issue appear much larger than it is.” - Swedish Proverb When you think about your retirement expenses, do they appear simple to manage, or do they seem overwhelming? Explore how retirement spending changes over time. These trends might surprise you and could help reduce some of your stress.

New research challenges old ideas of retirement.

05/10/2026

Happy Mother’s Day to all the amazing moms, grandmothers, stepmoms, mother figures, and caregivers who fill our lives with love, strength, and kindness.

You deserve to be celebrated today and every day. 💐💗

05/05/2026

What aspects of retirement are most crucial to savor while you're still healthy and active? What if prioritizing enjoyment in those early years results in having fewer resources later on? This dilemma is genuine, but it often stems from viewing retirement as a single, unchanging phase.

What is the point of retirement?

05/04/2026

Are taxes part of your retirement plan?

Join Montgomery Financial for The Retirement Tax Trap, a complimentary educational workshop designed for those nearing or in retirement who want more clarity around income, taxes, market risk, and long-term planning.

During this seminar, we’ll discuss:
✅ How retirement income planning works in real life
✅ How taxes may impact your retirement over time
✅ Roth conversion concepts and when they may be worth exploring
✅ How market risk can affect retirement outcomes
✅ Common estate and legacy planning considerations

📅 May 19 or May 28
🕕 6:00 PM
📍 Art League of Ocean City
502 94th St, Ocean City, MD

Presented by Nick Craven, CFP® and Will Strausbaugh.

Seating is limited and registration is required. This is an educational event only. No products will be sold, and there is no obligation to attend.

Reserve your seat here: https://montgomeryfinancialservices.com/events/

05/01/2026

We’re grateful to share that Montgomery Financial and Nick Craven have been named finalists in Coastal Style Magazine - Best of 2026.

Montgomery Financial was recognized in the Financial Investment Firm category for both Sussex County and Worcester County, and Nick Craven was recognized in the Financial Advisor category for Worcester County.

Thank you to the readers and community members who took the time to include our firm and Nick in this year’s nominations. We appreciate the relationships we have built and the opportunity to support retirees and pre-retirees as they think through important financial decisions.

At Montgomery Financial, our work centers on thoughtful planning, fiduciary guidance, and helping clients evaluate retirement income, investment strategy, tax coordination, and long-term planning decisions based on their individual goals, needs, and circumstances.

finalist period runs from May 1 through May 31. We’re honored to be included among local businesses and professionals recognized by the community.

Disclosure: This recognition reflects a public nomination and voting process and should not be interpreted as a statement about investment performance, future results, or any individual client experience. Financial planning and investment decisions are individualized and subject to risk.

04/28/2026

Is it true that retirement spending remains consistent each year? Many individuals might believe so. However, researchers observe a more dynamic pattern: Initially, spending often mirrors the freedom and energy of early retirement, with increased expenses on travel, hobbies, and long-anticipated experiences. As time progresses, routines generally become simpler, priorities change, and spending naturally adapts. In later years, overall spending typically decreases, even as health-related expenses become more significant. These trends indicate that retirement seldom follows a steady, unchanging course. Recognizing this can impact your approach to planning.

Data shows retirement rarely follows a steady path.

04/21/2026

When considering retirement, what concerns you more? Is it the fear of overspending early on, or the worry of being too frugal and missing out on enjoying your healthiest years? This is a common dilemma for many, not due to a lack of careful planning, but because retirement often feels like a delicate balancing act.

Retirement is for living, not just saving.

04/20/2026

Retirement isn’t just about numbers - it’s about purpose, clarity, and confidence in the life you’re building.
Our Inspiration Retirement webinar walks through a thoughtful planning process designed to help you align your wealth with what matters most - your goals, your lifestyle, and your future.
If you’re retired, approaching retirement or simply want a clearer direction, this is a great place to start.
🎥 Watch the webinar here: https://webinar.montgomeryfinancialservices.com/s/JBw0xP

04/03/2026

Spring joy is in full bloom 🌸🐣

We’re celebrating Easter weekend with a very special little guest - “Lucy Bird”, daughter of our own Nick and Casey Craven 💗
From all of us at Montgomery Financial, we wish you and your family a joyful, peaceful, and hope-filled Easter weekend. May it be filled with meaningful moments, fresh beginnings, and time spent with the people who matter most.

Happy Easter! 🐰🌷