Montgomery Financial Services LLC

06/22/2026

Life often presents unexpected challenges that come with financial implications. While these changes, such as job transitions, caregiving responsibilities, divorce, or retirement, can't always be predicted, preparation is key. Having a financial plan can provide stability and confidence during uncertain times, helping you navigate life's financial crossroads more effectively.

Prep today means fewer regrets tomorrow.

06/15/2026

Caring for a parent or loved one can quickly become financially burdensome, with family caregivers spending an average of $7,200 annually from their own funds. Expenses such as medical bills, home modifications, and lost income from time off work accumulate over time, often leading to dipping into savings and delaying personal goals. It's important to prepare in advance to manage these costs with less stress. If you're currently caring for someone or anticipate doing so, seeking advice on managing these expenses can be beneficial.

These money moments hit hard. Stay prepared.

06/08/2026

Starting a new job involves adjusting to a new schedule, team, and routine, but it's also important to consider your benefits. Key considerations include the status of your 401(k), health insurance coverage, and whether you should adjust your financial goals to align with your new salary. Making informed decisions now can help you feel more confident and prepared for future changes.

Plan for the moments that reshape your finances.

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?

05/01/2026

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.