Daphne, AL Office

Montz Harcus Wealth Management serves individual and high‑net‑worth clients as well as pension plans, charitable organizations and business entities, managing approximately $876 million for roughly 667 client relationships through a six‑person advisory team. The firm provides ongoing investment supervisory and portfolio management, comprehensive financial planning (including one‑time plans and updates), pension consulting, project consulting, and access to third‑party and private alternative managers.

MHWM typically establishes an Investment Policy Statement for each client and may manage accounts on a discretionary basis, using a mix of cyclical, fundamental, quantitative, technical and modern portfolio theory analyses and a long‑term trading orientation; client accounts are reviewed at least quarterly. Financial planning is offered as a stand‑alone service or bundled with asset management (planning fees are waived for clients with investable assets above the firm’s stated threshold), and clients receive written reports from custodians and the firm on a regular basis.

The firm’s business mix includes several uncommon features for a team of its size: multiple supervised persons also maintain accounting credentials, hold broker‑dealer registrations, and are licensed insurance agents, and the firm periodically offers free educational seminars targeted to younger professionals (which may include discussions of insurance products). These outside activities create potential conflicts that MHWM discloses and documents in client files and the firm states clients are not required to purchase recommended products from its representatives.