Montgomery Financial Services LLC

09/01/2026

Need a way to increase your retirement savings? Our free guide "Beyond Your 401(k)" provides practical steps to help you consider the benefits, drawbacks and liquidity of 401(k)s, Roth IRAs and Roth Conversions between the two.

08/27/2026

Retirement means different things to different people, ranging from travel and family time to consulting, volunteering, or starting a small business. It has evolved from a standard life stage into a personal journey. While planning for retirement involves financial considerations, it also requires thinking about personal goals, responsibilities, and desired flexibility. These aspects are crucial in shaping one's retirement plans. Click below to learn more.

Explore the next chapter you get to author.

08/25/2026

Is your retirement savings account, like that of many Americans, mainly a 401(k) where you contribute your chosen amount each year? While this is a common strategy, it might end up being more expensive in the long run. When your savings have grown and you start withdrawing them for retirement, that's when taxes come into play. It doesn't seem quite fair, does it? Luckily, there are other options to consider, like a Roth IRA, which lets your funds grow without the worry of taxes when you take them out. We've put together a simple guide that explains the differences between a 401(k) and a Roth IRA, along with the types of lifestyles that can benefit from each choice.

Life changes. So should your retirement plan — or your retirement accounts. Learn what to consider with this guide.

08/20/2026

Modern retirement can last much longer than expected, often spanning 20 to 30 years. This extended period shifts the focus from just financial sufficiency to also considering how one wants to spend their time, energy, attention, and purpose during retirement. Explore 75 years of changes in retirement, such as longer lifespans, changing work patterns, and the introduction of 401(k)s, which have redefined retirement. Click below to explore the changes.

The shift from pensions changed the story.

08/18/2026

Here's a straightforward question for you: Are you aware of how effectively your retirement savings are performing? More specifically, is there room for improvement? Our guide, ”Beyond Your 401(k),” provides an overview of different 401(k) and Roth IRA scenarios. Additionally, it offers five insightful tips that many overlook, helping you quickly evaluate what's already in place and what might be missing. The guide offers an immediate comparison between the 401(k) and Roth IRA. It's clear, practical, and easy to read in one sitting.

Would you rather pay taxes now and let your money grow, or the other way around? This guide breaks down whether an IRA Rollover might be right for you.

08/14/2026

National Financial Awareness Day is a reminder that financial confidence starts with understanding where you are today and having a clear plan for where you want to go.

Take a few minutes to review your savings, investments, retirement income, tax strategy, and estate plan. Small, thoughtful steps today can make a meaningful difference in your financial future.

At Montgomery Financial, we help retirees and pre-retirees bring these important pieces together so they can make informed decisions and move forward with greater confidence.

08/13/2026

More than 25% of Americans aged 65 to 74 are still working, a higher percentage than 30 years ago. This trend isn't solely driven by financial needs; many retirees seek purpose, structure, social connections, flexibility, or more meaningful activities. The concept of retirement has evolved from a definitive end to a flexible life stage, where individuals might engage in part-time work, volunteering, consulting, caregiving, traveling, or exploring new ventures. Retirement today is diverse and personalized. Click below to view the newsletter.

Retirement is becoming more personal.

08/11/2026

If you've had a few different jobs over the years, it's possible you might have some forgotten 401(k) accounts from those previous positions. It happens to the best of us! Luckily, the U.S. Department of Labor offers a handy database to help you track down these accounts. Plus, you can check out ”Beyond Your 401(k)” for some great tips on evaluating your retirement account options and finding the one that fits your needs just right.

Multiple 401(k)s can lead to confusion and loss of savings. This guide offers advice on consolidating your retirement funds so you can save with confidence.

08/06/2026

The traditional concept of retirement, which involved working for many years and retiring around age 65 to enjoy a quieter life, is evolving. In 1950, the average life expectancy in the U.S. was about 68 years, but today, people are living much longer, leading to retirements that can last for decades. This shift has prompted many to reconsider what retirement should look like, focusing on purpose, flexibility, and reinvention rather than just relaxation. Explore these changes over the past 75 years and see how retirement has transformed from a brief final chapter into a more personalized and extended phase of life. Click below to check it out.

See how retirement has changed over 75 years.

07/28/2026

Get clarity on your income options