Eldersburg, MD Office

Montgomery Financial serves individual investors — including high-net-worth and non-HNW clients — and advises qualified retirement plans, offering discretionary portfolio management, ERISA 3(21) plan services, and financial planning and analysis. As of June 16, 2026 the firm reports about $229.8 million in discretionary assets under management and a client base of roughly 950 accounts.

The firm delivers investment management primarily through AE Wealth Management’s sub‑adviser platform, using discretionary authority to implement asset allocation, select investments, and perform periodic rebalancing; MF retains the ability to hire and terminate sub‑advisors on that platform. It also provides standalone financial analyses and runs educational seminars and workshops for the public, and offers a 90‑day client satisfaction guarantee that permits new clients to terminate for a full refund of advisory fees paid during the first 90 days.

Noteworthy features that differentiate Montgomery Financial from many peers include its affiliation with other investment advisers via the AE Wealth sub‑adviser arrangement and an affiliated insurance practice — the managing member devotes approximately 40% of his time to insurance activities and may offer insurance products to clients, a relationship the brochure discloses as a potential conflict of interest. The firm’s combination of sub‑adviser delegation, public educational workshops offered at no charge, and an explicit short‑term satisfaction refund policy are less common among similarly supported firms.