Monument Wealth Management

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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 create 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.

If your parents needed your help tomorrow, would you know where to start?You don't need to know every account balance or...
10/14/2026

If your parents needed your help tomorrow, would you know where to start?

You don't need to know every account balance or every detail of their financial plan.

But there are a few things worth knowing before you actually need them:

Who has the authority to step in and make decisions? Are the people named in their estate documents still the right people? Where are the important documents and passwords? Who are the attorney, accountant and financial advisor you'd need to call?

These may sound like simple questions. But when a health issue or other crisis happens, figuring out the answers can become surprisingly complicated.

And that's the point of having the conversation now.

The goal isn't to take over your parents' finances. It's to understand their wishes and have a map for what to do if they eventually need your help.

On the latest episode of Between Sips, Emily Harper, CFP® and Jessica Gibbs, CFP® talk through the financial, legal and family considerations worth discussing with aging parents—and how to start the conversation before you're forced to.

Listen to the episode: https://loom.ly/pvynAdU ☕

10/05/2026

“You’re supposed to be a 30-year investor, not a 30-day trader.”

Nate makes a good point.

If you're investing for retirement, financial independence, or the next chapter of your life, September's market performance is worth understanding. But how much should one month influence decisions you're making for the next 10, 20, or 30 years?

That's where your financial plan comes in.

Knowing how much cash you'll need in the near term, how much investment risk you're taking, and what your portfolio needs to accomplish over time gives you a framework for evaluating market moves.

Sometimes the right decision is to make a change. Sometimes it's to stay the course. The important thing is understanding why.

On this week's OFF THE WALL, Dave Armstrong, CFA®, and Nate Tonsager, CFA®, CIPM, discuss September's historical market performance, what typically happens in the fourth quarter, and how they think about short-term volatility in the context of long-term investing.

Watch or listen now:
📺 YouTube: https://loom.ly/FvQhcKc
🎧 Apple Podcasts: https://loom.ly/lvlSQTs
🎧 Listen on Spotify: https://loom.ly/ISWgz4w

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

10/02/2026

Understanding the math behind your portfolio is easy; controlling your reaction when market headlines hit your stomach is where ex*****on actually happens.

Most conventional risk assessments rely heavily on how much volatility you can financially absorb or how much risk you believe is necessary for future growth. But capacity and tolerance only tell half the story when a sudden market drop threatens a timeline for a major goal.

The variable that dictates your outcomes during choppy markets is Risk Composure.

When short-term uncertainty causes your stomach to churn, low composure can easily override years of logical planning and long-term conviction. A strategy built without accounting for your emotional reaction forces you to rely on sheer willpower at the exact moment it's hardest to summon.

Listen to this week’s episode of Between Sips to see how Emily and Jessica break down the crucial difference between what your portfolio can afford and how your brain actually handles the ride.

September has historically been the weakest month of the year for the S&P 500.Does that mean you should do something dif...
10/01/2026

September has historically been the weakest month of the year for the S&P 500.

Does that mean you should do something different with your portfolio every September?

Not necessarily.

Historical market patterns are interesting, but they aren't a reliable way to predict what stocks will do next month.

What you CAN plan for is how much cash you'll need.

If you have a major expense coming up, whether it's college tuition, a home renovation, or simply covering your living expenses in retirement, having that money set aside can help you avoid selling investments at an inopportune time.

That's a much more useful way to prepare for market volatility than trying to guess when the next pullback will happen.

On this week's OFF THE WALL, Dave Armstrong, CFA®, and Nate Tonsager, CFA®, CIPM, discuss September's historical market performance, what the data tells us about the fourth quarter, and why your cash strategy matters when markets get unpredictable.

Swipe through for a few takeaways, then watch or listen to the full episode.

Watch or listen now:
📺 YouTube: https://loom.ly/FvQhcKc
🎧 Apple Podcasts: https://loom.ly/lvlSQTs
🎧 Listen on Spotify: https://loom.ly/ISWgz4w

09/30/2026

When markets get ugly, you still have three choices:

Buy. Hold. Sell.

That's it.

The harder part is knowing which one makes sense for you when headlines are coming fast and your portfolio is taking a hit.

This is one reason we talk so much about having a cash strategy. If you have enough cash set aside for your near-term needs, you may be able to ride out a market pullback without selling investments to pay for your life.

And if you have cash available beyond what you need for spending, a pullback may present opportunities to buy.

On this week's OFF THE WALL, Dave Armstrong, CFA®, and Nate Tonsager, CFA®, CIPM, discuss how to think through those three choices when markets get volatile—and why it's worth making a plan before you're in the middle of a selloff.

Watch or listen now:
📺 YouTube: https://loom.ly/FvQhcKc
🎧 Apple Podcasts: https://loom.ly/lvlSQTs
🎧 Listen on Spotify: https://loom.ly/ISWgz4w

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

Tariffs. Interest rates. Energy prices. AI debt.There's plenty for investors to keep an eye on right now. But how much o...
09/29/2026

Tariffs. Interest rates. Energy prices. AI debt.

There's plenty for investors to keep an eye on right now. But how much of it should actually change what you're doing with your portfolio?

That's what Dave Armstrong, CFA®, and Nate Tonsager, CFA®, CIPM, are tackling on this week's OFF THE WALL.

They're answering three Ask Monument Anything questions about the geopolitical risks making headlines, why September has historically been a tough month for stocks, and what the data tells us about the fourth quarter.

They also get into an important distinction: understanding market risks doesn't mean you need to trade around every headline.

If you've been wondering what deserves your attention and what may already be reflected in market prices, this episode is for you.

Watch or listen now:
📺 YouTube: https://loom.ly/FvQhcKc
🎧 Apple Podcasts: https://loom.ly/lvlSQTs
🎧 Listen on Spotify: https://loom.ly/ISWgz4w

Some of the most important and impactful work we do is helping clients define WHAT they want to transfer, in addition to...
09/21/2026

Some of the most important and impactful work we do is helping clients define WHAT they want to transfer, in addition to their wealth:

➡️Vision.
➡️Values.
➡️Stories.
➡️Connection.

Monument's Emily Harper, CFP® and Jessica Gibbs, CFP® joined the VISIONARY ADVISOR podcast for a discussion around legacy planning from the perspective of the rising generation, including an important question that families often struggle to answer:

How do you talk about wealth, inheritance, and intentions BEFORE a major life event forces the conversation?

Thank you to Alex Kirby of Total Family for the opportunity to share our perspectives.

Listen to the full conversation here: https://www.buzzsprout.com/2449330/episodes/19702466

Want to give retirement a ‘dry run’? It could be a smart move. That’s because the biggest risk in a traditional retireme...
09/18/2026

Want to give retirement a ‘dry run’?

It could be a smart move.

That’s because the biggest risk in a traditional retirement isn't always financial.

For many, it’s the sudden loss of structure, routine, and daily purpose.

Stepping into semi-retirement lets you ‘test drive’ your time management and lifestyle goals before fully walking away. It gives you the space to explore new interests and adjust your routine with a safety net, making sure your next chapter is as fulfilling in practice as it looks on paper.

From a wealth strategy standpoint, scaling back your working hours creates a valuable runway. The ongoing earned income offsets early portfolio drawdowns, protects your core growth assets from sequence of return risk, and keeps your long-term plan compounding uninterrupted.

Tune into the full episode of Between Sips with Emily and Jessica to see how cash flow modeling can help you dry run your ideal retirement timeline. 🎧

09/17/2026

Trying to outsmart geopolitical headlines by shifting your investments around is a losing game for your long-term money.
The problem with market timing isn't just knowing when to get out. It's knowing exactly when to get back in — and most people get that part wrong.

Staying disciplined doesn't mean timing the market or sitting in cash. It means staying fully invested in your target mix, while shifting your stock holdings toward the sectors showing the most strength.

This helps keep your long-term plan intact, takes emotion out of the equation during volatile periods, and positions you to participate in the market recovery.

In the latest episode of Off The Wall, David B. Armstrong, CFA and Nate Tonsager, CFA, CIPM break down how a data-driven approach keeps your portfolio fully invested through geopolitical uncertainty.

Watch or listen now:
📺 YouTube: https://loom.ly/cNqiGfE
🎧 Apple Podcasts: https://loom.ly/RUTEQVc
🎧 Listen on Spotify: https://loom.ly/0wF4vgk

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

Staying fully invested sounds simple, until the market gets volatile. Some investors tend to panic and pull out money. B...
09/16/2026

Staying fully invested sounds simple, until the market gets volatile. Some investors tend to panic and pull out money. But jumping in and out of the market can turn a temporary dip into permanent damage to your portfolio.

Consider this: The S&P 500 finishes the year positive about 75% of the time. This means that the odds actually favor patient investors.

Real risk management requires knowing the difference between your own cash needs and short-term market and headline noise, so your money stays invested long enough to actually grow.

In this episode of Off The Wall, David B. Armstrong, CFA and Nate Tonsager, CFA, CIPM break down how investors can stay disciplined during volatile periods using data instead of emotion.

Watch or listen now:
📺 YouTube: https://loom.ly/cNqiGfE
🎧 Apple Podcasts: https://loom.ly/RUTEQVc
🎧 Listen on Spotify: https://loom.ly/0wF4vgk

Address

1940 Duke Street, Suite 6100
Alexandria, VA
22314

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

Telephone

(703)5049600

Website

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