Listen first
We take time to understand each client's goals, values, priorities, and concerns before any strategy is on the table. The plan follows the conversation, not the other way around.
Solera Advisory Group
Comprehensive Financial Planning for Life, Business, and Legacy.
A relationship-driven wealth advisory practice serving individuals, families, executives, and business owners with thoughtful, education-first planning at every stage of wealth.
Who We Serve
Built around the people we serve, not products.
At Solera Advisory Group, we serve individuals, families, executives, and business owners who value clarity, experience, and a long-term approach to financial decision-making. Our clients range from those building momentum early in their financial journey to high-net-worth individuals focused on preserving, growing, and transferring wealth across generations.
Our team-based advisory model allows us to deliver the appropriate level of guidance at every stage of wealth. Senior advisors lead advanced planning and strategic oversight for complex financial needs, while our broader advisory team ensures accessibility, education, and ongoing support for clients earlier in their journey. This structure is designed to provide continuity, depth, and personalized attention, no matter where life or business takes you.
"Built around
the people we serve."
the people we serve."
Solera (pronounced Suh-leh-ruh), a time-honored method of blending experience across generations, allowing strength, balance, and depth to build over time. Each layer supports the next.
Our Planning Philosophy
Planning is a process, not a transaction.
"We believe lasting financial stability is not created overnight, but thoughtfully developed through experience, discipline, and intentional decision-making."The Solera Approach
Build one integrated plan
From that conversation, we build a written, integrated plan that addresses cash flow, savings, investments, taxes, risk, retirement, and legacy as a coordinated whole.
Independent & coordinated
As non-captive advisors, we offer access to a broad range of solutions from A-rated carriers and leading platforms.1 We coordinate with CPAs and attorneys so every decision supports the next.
1 Carrier ratings are provided by independent third parties and are subject to change. Availability of products and platforms varies and is subject to suitability, eligibility, and applicable licensing requirements.
Adapt over time
Lives, families, businesses, and markets change. We adapt strategies thoughtfully and intentionally, so clients can feel confident making decisions in every season of life.
Core Services
A coordinated approach to every part of your financial life.
From foundational planning to advanced wealth preservation, our services are designed to work together, coordinated with your tax and legal advisors so every decision supports the next.
Foundational
Financial Planning
Personalized, goal-based strategies designed to organize, grow, and protect financial resources while aligning short- and long-term objectives.
Learn more
Invest & Retire
Build and draw on your wealth.
Protect & Pass On
Protect your family and your legacy.
Business & Executive
Plan for your company and your team.
Not sure where to start?
Begin a conversation about your plan.
An introductory consultation is complimentary and educational. There is no obligation, and no products are recommended in a first meeting.
Schedule a Consultation
Visualize Your Financial Life
Asset-Map. Every part of your financial life.
We use Asset-Map as part of our planning process to help clients see how each piece of their financial life connects, assets, liabilities, insurance, income, and the people who depend on them.
Asset-Map is a third-party visualization tool. Use of Asset-Map does not constitute investment advice and is provided for informational and organizational purposes only.
What an Asset-Map clarifies
- How accounts, assets, and policies connect
- Where coverage may be redundant or missing
- How beneficiaries and dependents are aligned
- Where strategy gaps may exist before they cost you
Meet The Advisors
The people behind your plan.
Founding advisors James Montijo and Edgar Montenegro bring decades of combined experience and a shared commitment to disciplined, education-first planning.
James Montijo
Financial Advisor & Financial Planner
With over five years in the industry, James partners with high-net-worth individuals, business owners, and families, turning complex financial lives into clear, disciplined strategy.
Read James's story →Edgar Montenegro
Financial Advisor & Financial Planner
With more than 15 years in financial services, Edgar brings a rigorous, tax-aware approach, a Fordham-educated, MBA-credentialed advisor working closely with families and business owners.
Read Edgar's story →Insights & Education
Educational articles for thoughtful planning.
Planning Fundamentals
FeaturedHow to Evaluate a Financial Plan
Not all financial plans are created equal. Here's what separates a thoughtful, integrated plan from a sales document, and the questions to ask when comparing them.
~5 min readRead article →
Retirement
When to Start Retirement Planning
The honest answer is "earlier than you think." The more useful answer depends on where you are in life.
~6 min readRead article →
Working With An Advisor
Questions to Ask a Financial Advisor in Your First Meeting
A first meeting with an advisor should feel like an interview, for both sides. Here are the questions that tend to surface what you actually need to know.
~4 min readRead article →
Retirement
Understanding Your Employer-Sponsored Retirement Plan
Your 401(k), or 403(b), SIMPLE, SEP, or 457, is probably the single most important benefit your employer offers. It's also the one most often misunderstood.
~6 min readRead article →
Retirement
Social Security at 62, Full Retirement Age, or 70?
Claiming Social Security at 62, full retirement age, or 70 can each make sense in the right circumstances. What changes at each age and how it fits into a broader retirement plan.
~7 min readRead article →
Tax Planning
Mid-Year Tax Checkup: What to Review Before Q4
Withholding, RMDs, Roth conversion opportunities, capital gains, and charitable giving, reviewed before year-end options begin to narrow.
~6 min readRead article →
Education Planning
529 Plans and Education Planning: What Families Should Know
How 529 plans fit into a broader education funding strategy, recent rule changes, and how education planning connects with the rest of your financial plan.
~8 min readRead article →
Educational only, not a recommendation, not financial advice.
Frequently Asked
Common questions about Solera Advisory Group.
If your question isn't answered here, an introductory conversation is the easiest place to start, no obligation.
What does Solera Advisory Group do?
Solera Advisory Group is a comprehensive financial planning and wealth advisory practice. We work with individuals, families, executives, and business owners on financial planning, investment advisory, retirement, insurance, estate and legacy, tax-aware planning, and business planning, coordinated as one integrated plan rather than a collection of products.
Who do you serve?
We serve clients at every stage of wealth, from those building their financial foundation to high-net-worth families focused on preserving, growing, and transferring wealth across generations. Our team-based advisory model is designed to deliver appropriate guidance regardless of where a client is in their financial journey, with senior advisors leading complex planning while our broader team supports accessibility and continuity for clients earlier in their financial lives.
Where is Solera Advisory Group licensed?
Solera Advisory Group's advisors are licensed to offer securities and/or investment advisory services in New York, New Jersey, Florida, California, Texas, Connecticut, North Carolina, and Pennsylvania. Individual advisor licensing may vary by state; see each advisor's page for their specific state registrations. Insurance licensing may differ by state.
How is Solera Advisory Group affiliated with Prudential?
How do I schedule a consultation?
An introductory consultation is complimentary, educational, and carries no obligation. Visit the Contact page to request a meeting. No products are recommended in a first meeting.
Have a different question? Get in touch with our team →