Welcome to Montini & Co Tax Advisory. With more strategic use of your existing assets, we will help you develop a retirement plan in the most tax-efficient manner possible. Maximizing your social security benefits, generating tax-free retirement income and eliminated debt associated with student loans and mortgages is just the beginning. We will show you how to generate stock market type returns without the risk of stock market losses. The technology used to hedge against risk has progressed so quickly in the last 15 years, that today, many professionals believe it was barbaric that we used to take risk with our retirement assets.