Meet the Team | Family Financial LLC | Independent Multi-Family Office

Our Story

For decades, the financial industry has operated in silos. Advisors manage investments but ignore taxes. Tax professionals prepare returns but don't connect to the investment portfolio. Business advisors work in isolation from the personal financial plan.

The solution is a multi-family office. Family Financial brings the full scope of wealth management under one roof, with professionals who collaborate directly on every client engagement.

Historically this level of coordination was reserved for single-family offices serving billionaires. We make it accessible for accomplished families and business owners from $1M — because you shouldn't have to be a billionaire to have everything coordinated.

We serve a select group of clients by design — because deep relationships and preserved human capital, not volume, are what produce extraordinary outcomes over time.

Unwavering Advocacy

We are fiduciaries. Legally and ethically required to act in your best interest — always. Our advice is never shaped by commissions, incentives, or conflicts. Ever.

Integration Over Isolation

Investments, taxes, business, and legacy planning are deeply connected. We architect strategies that leverage those connections rather than ignoring them.

Cutting-Edge Technology

We leverage the best financial planning and investment technology available — so your data, your plan, and your team are always current and always ahead.

Plans That Adapt as Life Changes

Life isn't static — and neither is your financial plan. We build in flexibility, monitor proactively, and make adjustments before they become problems.

Meet the Team

Specialists. Collaborators. Advocates.

Every member of the Family Financial team works together internally — so your strategy is always coordinated, never siloed.

Tammy Trenta, MBA, CFP®, CTP, CExP™

Founder & CEO • Lead Advisor

Tammy Trenta has spent nearly 30 years helping accomplished families and business owners build, protect, and transfer wealth with the kind of integrated, unbiased strategy that was once available only to the ultra-wealthy.

She founded Family Financial on a principle she learned early in her career as a trust and estate advisor: it's not what you earn — it's what you keep. That philosophy shapes everything: comprehensive financial planning as the foundation, investment management as the engine, and tax strategy, business planning, and estate work as the accelerants that compound results over time.

Today, Tammy serves as Lead Advisor to the firm's most complex relationships — business owners navigating exits, families coordinating wealth across generations, and accomplished professionals who want every financial decision working in concert. She is the author of Wisdom to Be Wealthy and a contributor to national financial media. She lives in Manhattan Beach, California.

Charlotte Morgan, CFP®

Director of Financial Planning

Charlotte brings over a decade of comprehensive financial planning experience, with deep expertise serving business owners, medical professionals, and families navigating complex financial decisions across tax, charitable giving, education, and retirement income planning.

She works closely with the investment and tax teams to ensure every recommendation is coordinated and complete. BS in Family Financial Planning, CFP®.

Kelsey Ross

Director of Operations — Business Planning

Kelsey brings nearly a decade of financial services operations expertise to Family Financial, with a track record of building the systems, workflows, and client experience standards that allow advisory teams to deliver at the highest level.

She oversees the operational backbone of the firm — from client onboarding and technology management to process design and team coordination. BS, Grand Canyon University, Magna Cum Laude.

Susan Montgomery

Director of Operations — Personal Planning

Susan brings over 16 years of wealth management operations experience — rising from client service to senior leadership, building client experience infrastructure and redesigning onboarding workflows across multi-office teams.

At Family Financial, she oversees operations, client service delivery, and the systems that ensure every client relationship runs with precision and care. BA in Economics.

Rich Smith, CPA

Director of Tax

Rich brings over 25 years of public accounting and corporate tax experience serving high-net-worth individuals, business owners, and complex multi-entity structures including equity compensation, business transactions, and audit representation.

At Family Financial, Rich leads the tax practice — coordinating proactive strategy directly with the planning and investment teams so tax is integrated from the start, not addressed as an afterthought.

Ian Garcia

Accountant / Bookkeeper

Ian brings 11 years of accounting and bookkeeping experience to Family Financial, with a BS in Accountancy and certifications in QuickBooks and Xero. His background spans bank reconciliation, accounts receivable, payroll, and tax return preparation.

Ian ensures the planning and tax teams always have accurate, current financial records — the clean foundation that makes integrated strategy possible.

We Built Family Financial as a Multi-Family Office — Because Coordination Shouldn't Be a Luxury.