Wealth management built for healthcare executives

John Montgomery

Daily emails. Sometimes great. Always honest.

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The daily emails

A short email most weekdays. Money is the main subject. So are decisions, work, life, and whatever else is on my mind that morning.

They're written by John Montgomery, a financial advisor who's been at it for about 15 years. The day job is what gives the emails substance. The emails are what makes the day job interesting.

No paywall. Just emails. Sometimes great. Always honest.

Recent emails

  • How to get less done in more time July 1, 2026

    Getting healthy is no joke. Heck, just being healthy is no joke. You see, back in February, I decided to do something a bit crazy. Crazy for me at least. I decided I would begin training for a 50K. Not a 5K. A 50K. Wh...

  • Tiny T-shirt Tears June 30, 2026

    There is a particular T-shirt that I wear daily. They come in a lot of colors. Heavy duty. Breast pocket. A bit more expensive? Sure. A lot better? Definitely. And very long lasting. I've written a lot about buying qu...

  • Why YouTube always feeds me boat videos June 29, 2026

    I'm a bit of a privacy zealot. Not in a tin foil hat kind of way. (Well, I guess I am always a bit concerned that the tin foil hat people don't know they are wearing them...) But I hate how much info we put out there ...

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If you want to work with me directly

Some readers want help with their actual money, not just the daily writing. I take a few new clients each year, and they're all senior healthcare executives... the people running hospitals and health systems.

I grew up the son of a health system CEO. I watched my father carry the weight of an entire organization home every night, his own affairs always coming last. That's not a niche I picked off a spreadsheet. It's the world I came from, and it's the only world I work in.

Here's the gap I fill. Most advisors manage your portfolio and ignore the thing that actually built your wealth: your compensation. The elections, the incentive timing, the change-in-control language. I handle both.

If you've ever wondered, quietly, when you could actually be done... that's the question all of this exists to answer.

The front door

The Deferred Comp & Retirement Review

$1,250 · flat · in writing · two weeks

  • What your 457(b), 457(f), and SERP actually say
  • The defaults you're signed up for, and what they'd cost you
  • Your next irreversible dates, on one page
  • The three moves I'd make first
  • A 30-minute walkthrough, once you've read it

If you read it and don't think it was worth it, tell me and I won't invoice you.

Email me: REVIEW

Ongoing

The Personal CFO

Greater of $7,500 a year, or 1.5% on the first $1M and 1% above · everything included

  • First 90 days: your complete written plan
  • Your decision calendar, built and watched
  • Every agreed move implemented, and your CPA and I on the same page
  • At the end of year one you continue, or you walk with everything we built

Started with the Review? The $1,250 credits in full.

Already sure? Skip the Review and email me directly.

No products, no commissions. That's the whole model.

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