Monument Wealth Management

Monument Wealth Management Monument Wealth Management is the wealth strategy firm built for life’s biggest decisions. See important disclosures on our website.

We help successful professionals turn wealth into optionality—throughout and after their careers. We work with successful, driven professionals who have spent years building their success, often making trade-offs along the way, and are now ready to put more of their priorities first. Acting as your "second brain" and thinking partner, we help you Make Life Option Rich™ by using your wealth to crea

te true optionality: the freedom to live with purpose, invest with conviction, and act without hesitation—throughout and after your career. Using customized investment strategies and integrated financial planning, we help connect the dots across your financial life so you can see your options clearly and move forward with intention every time life says, “Time now?”

Monument Wealth Management is a Registered Investment Advisor. Please see our Important Disclosure Information and Privacy Notice on our website at www.monumentwealthmanagement.com/disclosures.

09/02/2026

What happens if the market drops the same month you need to pull cash from your portfolio?

That's the scenario most "stay invested" advice skips over. Markets don't send a warning first. A single earnings surprise or a shift in CEO guidance can move things fast, faster than any forecast keeps up with.

You don't need to predict that moment. Keep 12 to 24 months of spending set aside in cash, and it’s much less likely that a market pullback will derail your plan. Your long-term investments stay invested, keep compounding, and recover on their own timeline — because you were never forced to sell at the bottom to cover this month's expenses.

Nate Tonsager, CFA, CIPM breaks down why a flexible, data-driven plan — paired with a real cash cushion — is what actually holds up when markets get unpredictable, on this week's episode of Off The Wall.

Watch or listen now:
📺 YouTube: https://loom.ly/ZtQrWxE
🎧 Apple Podcasts: https://loom.ly/qE0ZyH4
🎧 Listen on Spotify: https://loom.ly/PtW21S0

Transcriptions are generated automatically, may not be completely accurate, and should not be relied on. Please see important video disclosure information https://loom.ly/l38Roec

Judging this market by headline tech valuations alone, you could conclude the gains rest on shaky ground. The broader da...
09/01/2026

Judging this market by headline tech valuations alone, you could conclude the gains rest on shaky ground. The broader data says otherwise.

When broad-based earnings beat historical averages and over 70% of S&P 500 stocks trade firmly above their 200-day moving averages, market momentum is driven by cash flows rather than pure speculation.

Navigating market cycles with confidence isn't about chasing hot sector trends. Instead, anchoring your portfolio in a disciplined, data-driven strategy can offer a more secure approach. Recognizing that broader participation and cautious sentiment create a healthier market foundation gives high-net-worth investors the clarity to stay invested, ignore the noise, and protect their long-term options.

In this week's episode of Off The Wall, Nate Tonsager, CFA, CIPM explores the fundamental metrics that separate market hype from sustainable performance.

Watch or listen now:
📺 YouTube: https://loom.ly/ZtQrWxE
🎧 Apple Podcasts: https://loom.ly/qE0ZyH4
🎧 Listen on Spotify: https://loom.ly/PtW21S0

08/31/2026

When market sentiment leans cautious, it is often treated as a warning sign. But in long-term wealth strategy, measured skepticism is actually a stabilizer.

Bubbles do not inflate on caution. They build on unchecked enthusiasm and FOMO.

When investors remain deliberate, disciplined, and focused on risk, markets retain the space to absorb volatility without forced liquidations. Cautious sentiment gives high-net-worth investors the runway to keep their long-term portfolios fully invested while maintaining the liquid capital needed to make choices with intention.

In this week’s episode of Off The Wall, Nate Tonsager, CFA, CIPM breaks down the sentiment metrics and market breadth data shaping today’s environment.

Watch or listen now:
📺 YouTube: https://loom.ly/ZtQrWxE
🎧 Apple Podcasts: https://loom.ly/qE0ZyH4
🎧 Listen on Spotify: https://loom.ly/PtW21S0

Transcriptions are generated automatically, may not be completely accurate, and should not be relied on. Please see important video disclosure information https://loom.ly/l38Roec

Everyone's calling it a bubble. The data says otherwise.Headlines love a crash story — but pull back the curtain and the...
08/28/2026

Everyone's calling it a bubble. The data says otherwise.

Headlines love a crash story — but pull back the curtain and the picture looks different. Market strength isn't limited to AI and tech: 7 of 11 S&P sectors are showing more stocks above their short-term averages than tech is. Earnings are beating estimates at rates right in line with historical norms. And valuations, once you factor in earnings growth, aren't nearly as stretched as the headlines suggest.

Even sentiment backs it up — investors are net bearish and CEO confidence is hovering right around neutral. Not exactly the euphoria you'd expect at the top of a bubble.

In the latest Off The Wall episode, Nate Tonsager goes solo to walk through the charts and data behind why he still doesn't think we're in an AI bubble — and what would actually need to change for that view to shift.

Watch or listen now:
📺 YouTube: https://loom.ly/ZtQrWxE
🎧 Apple Podcasts: https://loom.ly/qE0ZyH4
🎧 Listen on Spotify: https://loom.ly/PtW21S0

08/21/2026

You can prep a 529 plan, book the campus move-in slot, and check off every item on the dorm checklist.

None of that changes the fact that the day your child turns 18, they become a legal adult, and your automatic legal authority disappears.

When unexpected financial, medical, or administrative friction hits, the goal isn't to pull back their freedom. It’s about building a safety net that lets them exercise their independence while knowing you can step in when it matters.

The most effective, friction-free transition strategies balance two things:

1️⃣ Simple directives like a Durable Power of Attorney, Healthcare Directive, and HIPAA Authorization put standard operational protections in place before they're needed.

2️⃣ Setting agreed-upon ground rules for when and why access is used signals trust—showing your young adult that these tools exist for backup, not control.

Preparing your family for adulthood isn’t just a financial conversation. It’s also about navigating major transitions with intention, clarity, and trust.

Jessica Gibbs, CFP® and Emily Harper, CFP® explore how to frame the legal adulthood conversation with young adults so you can protect your child without micromanaging their independence on this week’s episode of Between Sips.

Listen to the full episode on your favorite podcast platform.

08/18/2026

Timing isn’t just about when you enter the market, it’s about when you pull capital out.

If you need to raise cash from a taxable portfolio to support a lifestyle transition, doing so in January gives you 16 months before tax day. Executing the exact same distribution in December leaves you with four.

That 12-month delta gives a direct indexing strategy a full calendar year of inevitable market volatility to harvest unrealized losses, offset your capital gains, and neutralize the tax drag.

Static buy-and-hold strategies let those market dips pass by unused. A dynamic tax management framework captures them. You end up at the exact same financial destination, but you capture structural tax value on every pullback along the way.

In the latest episode of Off The Wall, David B. Armstrong, CFA and Nate Tonsager, CIPM, CFA break down how to time cash redemptions to maximize tax loss offsets and optimize net returns.

Watch or listen now:
📺 YouTube: https://loom.ly/UeO6o7g
🎧 Apple Podcasts: https://loom.ly/NJuYI98
🎧 Listen on Spotify: https://loom.ly/nrlEo30

Transcriptions are generated automatically, may not be completely accurate, and should not be relied on. Please see important video disclosure information https://loom.ly/l38Roec

Here's something most people don't think about: the market usually dips around 14% at some point every year. That's not ...
08/17/2026

Here's something most people don't think about: the market usually dips around 14% at some point every year. That's not a flaw in your portfolio — it's actually an opportunity, if you're set up to use it.

A regular index fund makes you sit through those dips with nothing to show for it. Direct indexing works differently. Since you're holding the individual stocks instead of one big fund, you can sell off the ones that dropped and use those losses to help offset gains elsewhere, all while staying invested in the market.

David B. Armstrong, CFA and Nate Tonsager, CIPM, CFA dig into this on the latest Off The Wall — how owning your investments this way can help with taxes whether you're building wealth, shifting strategy, or starting to draw it down.

Watch or listen now:
📺 YouTube: https://loom.ly/UeO6o7g
🎧 Apple Podcasts: https://loom.ly/NJuYI98
🎧 Listen on Spotify: https://loom.ly/nrlEo30

08/14/2026

Moving advisors shouldn’t require a tax penalty just to change your strategy.

Yet the standard playbook at most wealth management firms is surprisingly blunt: liquidate everything, lock in unrealized capital gains, pay the tax bill, and reinvest in their proprietary model.

When you bring a legacy portfolio into a new advisory relationship, direct indexing acts as the transition engine. Instead of forcing a wholesale liquidation on day one, algorithms benchmark your existing stock positions against your target index (measuring the delta, or tracking error).

Over time, the strategy systematically trims positions during market dips to offset gains, aligning your portfolio with your new mandate without taking a giant tax hit.

If an advisor tells you that starting a relationship requires selling every asset you own, treat that as a primary due diligence red flag. Ask them if they offer direct indexing first.

In the latest episode of Off The Wall, David B. Armstrong, CFA and Nate Tonsager, CIPM, CFA break down how to transition existing portfolios efficiently and eliminate friction during a strategy shift.

Watch or listen now:
📺 YouTube: https://loom.ly/UeO6o7g
🎧 Apple Podcasts: https://loom.ly/NJuYI98
🎧 Listen on Spotify: https://loom.ly/nrlEo30

Transcriptions are generated automatically, may not be completely accurate, and should not be relied on. Please see important video disclosure information https://loom.ly/l38Roec

That dip in your index fund? It might be sitting on a tax break you're not using. Most investors just ride out market di...
08/12/2026

That dip in your index fund? It might be sitting on a tax break you're not using.

Most investors just ride out market dips and move on. But if you're holding an index fund, those dips can be more useful than they look if you know how to use them.

Direct indexing works differently. Instead of holding one big bundled fund, it holds the individual stocks inside it. So when some of those stocks slip — even while the market overall is doing fine — you can sell just the losers to help offset gains elsewhere, while keeping your overall investment mix about the same.

In the latest Off The Wall episode, David B. Armstrong, CFA and Nate Tonsager, CIPM, CFA break down how investors can look for tax savings through market ups and downs — whether you're still building your portfolio, rebalancing it, or pulling money out.

Watch or listen now:
📺 YouTube: https://loom.ly/UeO6o7g
🎧 Apple Podcasts: https://loom.ly/NJuYI98
🎧 Listen on Spotify: https://loom.ly/nrlEo30

Most caregiving in this country doesn't come with a job title. Often it’s one adult child who ends up paying the bills, ...
08/07/2026

Most caregiving in this country doesn't come with a job title. Often it’s one adult child who ends up paying the bills, driving to appointments, and taking the doctor's calls.

That labor is almost never split evenly among siblings. So why should the inheritance be?

If one of your kids has taken on that role, your estate plan can reflect it: reimbursing what they've spent, or weighting their share so the ledger matches what actually happened. Custom doesn't mean unfair. It often means more fair.

Watch this week's episode of Between Sips with Emily and Jessica for more on how to build customization into your estate plan. 🎧

Apple: https://podcasts.apple.com/us/podcast/how-to-split-assets-fairly-among-kids/id1832729861?i=1000780024900
Spotify: https://open.spotify.com/episode/5diEK8eGA8yZfIEJxSojJk
Website: https://monumentwealthmanagement.com/between-sips-podcast/

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1940 Duke Street, Suite 6100
Alexandria, VA
22314

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Thursday 9am - 5pm
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