Monarch Wealth Management

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Monarch Wealth Management Portfolio management, Planning, Insurance Protection, Consulting, Retirement Plans and Tax Strategies

At Monarch Wealth Management, our mission is to get to know and understand your needs, wants, and long-term goals. We want to help you develop, implement, and monitor a strategy that’s designed to address your individual situation. From Retirement Planning, to Estate Planning, Monarch is here to guide you, step-by-step, in pursuing all of you financial goals.At our firm, we have the client—and only the client—in mind.We understand the challenges families face today.From managing debt to saving for college to retirement, these personal finance challenges can be overwhelming. Our commitment is to utilize all of our resources to help you pursue your goals.We believe in holistic financial planning and we are not afraid to challenge conventional wisdom in our approach to investing and preserving wealth. All of our energy, commitment, and efforts are focused on you, the client, and your satisfaction.Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.For a list of states in which we are registered to do business, please visit Monarchwealthmanagement.com. Securities offered through LPL Financial, Member FINRA/SIPC- www.finra.org and www.sipc.org. Investment advice and financial planning offered through Monarch Wealth Management, a registered investment advisor and separate entity.

Take control of your financial future this Get Smart About Credit Day! Monarch Wealth Management is here to help you bui...
10/16/2026

Take control of your financial future this Get Smart About Credit Day! Monarch Wealth Management is here to help you build a strong financial foundation.

Every business owner thinks they will run the show forever—until they don't. ⏳ Building a successful company is only hal...
10/05/2026

Every business owner thinks they will run the show forever—until they don't. ⏳ Building a successful company is only half the battle; knowing how to exit is where the real wealth is created. Private equity interest is actively reshaping the economics of independent businesses, meaning fragmentation is being re-priced. Whether you plan to sell to a private capital partner, pass the torch to your kids, or arrange an employee buyout, you need a succession plan documented years in advance. 🤝 Don't build a million-dollar empire just to fumble the handoff at the finish line.

Inheriting an IRA sounds like hitting the jackpot, but it comes with a strict set of rules that can trigger a massive ta...
10/02/2026

Inheriting an IRA sounds like hitting the jackpot, but it comes with a strict set of rules that can trigger a massive tax bomb. 💣 If you inherit an IRA from a spouse, you can generally roll it into your own and let it grow. But if you inherit from a parent (non-spousal), the rules have completely changed. Most non-spouse beneficiaries now have to drain the entire account within 10 years, which could push you into a brutal tax bracket during your highest earning years. 📉 Always consult your advisory team before touching an inherited account so you don't accidentally tip the IRS.

Cash is no longer just trash, but how you manage it has totally evolved. 💵 With shifting interest rates, we are seeing a...
10/01/2026

Cash is no longer just trash, but how you manage it has totally evolved. 💵 With shifting interest rates, we are seeing a massive trend where cash management is treated as a premium strategy. It's not just about letting cash sit in a traditional checking account earning zero. You need to leverage high-yield options or tokenized cash sleeves that accrue yield minute by minute. Put your lazy money to work! 🏦 If your emergency fund isn't earning a competitive yield right now, you are essentially leaving free money on the table for the banks to keep.

Your 9-to-5 pays the bills, but your 5-to-9 builds the wealth. 💼 Relying solely on a W-2 income is risky business in tod...
09/30/2026

Your 9-to-5 pays the bills, but your 5-to-9 builds the wealth. 💼 Relying solely on a W-2 income is risky business in today's economy. Diversifying your income through rental properties, dividend stocks, or a side hustle creates a massive financial moat around your family. Even investing in small-business crowdfunding platforms is becoming a popular way to earn alternative returns. The goal isn't just to work harder; it's to build assets that eventually do the heavy lifting for you. 💪 What is one income stream you can start building this month?

Let’s settle the classic debate: Roth vs. Traditional. 🥊 A Traditional account gives you a tax break today, but you'll p...
09/29/2026

Let’s settle the classic debate: Roth vs. Traditional. 🥊 A Traditional account gives you a tax break today, but you'll pay taxes later when you withdraw. A Roth gives you zero tax break now, but the money grows and comes out completely tax-free. If you expect your taxes to be higher in the future—which is a safe bet for most young, motivated high-earners—the Roth is usually the winner. 🏆 Even if you're older, strategic Roth conversions during low-income years (like early retirement before taking Social Security) can save you a fortune. Pay the taxman on the seed today, not on the harvest tomorrow. 🍎

To my fellow business owners: the landscape is shifting fast. 🏢 Mid-tier businesses are realizing that independence is a...
09/28/2026

To my fellow business owners: the landscape is shifting fast. 🏢 Mid-tier businesses are realizing that independence is a liability if it isn't backed by modern platforms and tech. Right now, scaling your business means implementing AI to double your capacity without diluting your service. Whether you are eyeing an exit strategy, planning for M&A, or just trying to expand your footprint, you have to digitize and automate your workflow. Stop working IN your business all weekend and start working ON your business’s infrastructure. ⚙️

Retirement income is no longer just Social Security and standard 401(k) withdrawals. 🚪 In 2026, everyday investors are b...
09/25/2026

Retirement income is no longer just Social Security and standard 401(k) withdrawals. 🚪 In 2026, everyday investors are branching out beyond the stock market to secure more consistent income streams. We're talking about alternative assets that used to be locked away for institutional elites—like private credit lending and fractional real estate. These new avenues can help balance out wild stock market fluctuations and provide the steady cash flow needed to fund your lifestyle. Don't rely on a single faucet for your retirement; build a whole plumbing system of diverse income streams. 🚰

If your 401(k) is entirely parked in a 'Target-Date Fund,' we need to talk. 🗣️ While they are a great easy button when y...
09/24/2026

If your 401(k) is entirely parked in a 'Target-Date Fund,' we need to talk. 🗣️ While they are a great easy button when you first start out, they often operate on a rigid 'set it and forget it' glide path that ignores current market realities. In a dynamic 2026 economy, relying on static advice models and periodic reviews simply doesn't cut it anymore. As you build real wealth, your portfolio requires active rebalancing and a tailored growth-value balance. Take the training wheels off 🚲 and customize your 401(k) allocations to match your actual risk tolerance and the current market cycle.

Worried about overfunding your kid's 529 college savings plan? Don't be. 🎓 The SECURE 2.0 Act introduced a game-changer:...
09/23/2026

Worried about overfunding your kid's 529 college savings plan? Don't be. 🎓 The SECURE 2.0 Act introduced a game-changer: you can now roll up to $35,000 of unused 529 funds into a Roth IRA for the same beneficiary, completely tax-free and penalty-free. There are strict rules—the 529 account must be open for at least 15 years, and the rollovers are capped by the annual Roth contribution limits, which is $7,500 in 2026 for those under 50. But this means excess education funds can now give your child a massive head start on their own retirement. It's the ultimate wealth-building pivot! 🔄

Address

1688 Monroe Avenue
Rochester, NY
14618

Opening Hours

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

Telephone

+15854841400

Website

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