we are on a mission

Are you confident your money will last in retirement while navigating possible unforeseen health care costs, inflation, market dives, pension changes and tax increases?  We show our clients how to properly coordinate all their unique benefits to plan ahead so you can focus on enjoying your retirement.

Life changes, and goals change with it. Should we downsize, move states, pay off the mortgage, use equity from our home or retire at 55 instead of 60?  These are questions and others can be answered with a plan that can show the impacts it may have in other areas of your plan.  We know there are complex financial questions that can put pressure on your relationships, work, and health.  Our specialization in Oregon Public Employees questions and solutions helps answer these questions so you can focus on what you love.

Money is emotional, it is tied to our relationships and can leave tremendous pain or peace in the way we remember our loved ones.  We coordinate directly with either your existing attorney, or one of our recommended attorneys, to build a cohesive estate plan.  Oregon has unique estate tax laws, and Oregon PERS has unique estate planning documents we help coordinate for our clients.

Medicare, union health care stipends, PERS Health Insurance Program, OEBB and the list goes on.  Your Health Insurance, Long Term Care plan, and union contract benefits are critical components in your plan that we help our clients navigate.  We actually walk our clients through their union contract, help coordinate PERS Health Insurance Medicare plans and navigate the best long term care strategies.

Our clients are busy literally fighting fires, teaching in classrooms, and prosecuting criminal activities in the county courthouse.  Navigating the sea of investments to make their money work as hard as they do, can be overwhelming and exhausting. We build and manage their portfolios from start to finish, so that it fits the entire picture and coordinates with their benefits and timelines.  How much you need to save each month, which tax treatments should be on that account, and which investment distribution methods are all tailored to your circumstances.

Taxes will likely be your biggest expense in retirement, and worse yet, the laws can change right when you hit retirement on a fixed income.  You need your dollar to stretch and we help our clients understand the Tax Remedy rules on their state pension, taxation on Social Security and how to have tax diversification in their portfolio distribution properly set up.