Montgomery Financial Planning is a registered investment advisor founded in 2025 and based in Arvada, Colorado. The firm is led by Christopher Bahnsen and specializes in providing personalized financial planning services to individuals and families on a flat-fee or hourly basis. Montgomery Financial Planning offers three distinct tiers of service ranging from basic planning fundamentals for early-stage professionals to complex, multi-generational wealth and retirement distribution planning for high-income earners and business owners. The firm focuses on long-term, buy-and-hold passive investment strategies using mutual funds, exchange-traded funds, stocks, and bonds, but does not directly manage or have trading authority over client investment portfolios. Clients retain full control and discretion to implement recommendations independently.
Fee Structure
Montgomery Financial Planning offers ongoing annual financial planning engagements after completing an initial planning agreement. Annual fees vary by service tier:
- Tier I (Express) — $2,400 per year
- Tier II (Comprehensive) — $4,000 per year
- Tier III (Complex) — $6,000 per year
Ongoing engagements are billed quarterly in arrears and include quarterly progress meetings, continuous monitoring toward goals, and a comprehensive annual plan update.
- Tier I Initial Engagement (Express) — $3,600 flat fee for straightforward financial situations, covering net worth analysis, cash flow review, emergency reserves, debt management, and basic insurance
- Tier II Initial Engagement (Comprehensive) — $6,000 flat fee for established professionals and dual-income households, covering retirement income modeling, tax return reviews, education funding, employee benefits, and equity compensation
- Tier III Initial Engagement (Complex) — $8,000 flat fee for pre-retirees, business owners, and complex wealth scenarios, covering advanced distribution planning, business succession, and charitable giving strategies
- Hourly Financial Planning — $250 per hour for limited-scope guidance, second opinions, or follow-up questions