There are many financial products in the market, and so choosing the ones that best meet an individual client’s needs can be complicated. Informed decisions about the products in any portfolio are best made after an assessment of individual needs. After meeting to do this, you are better informed when the time comes to choose from a comprehensive suite of products and services and select those that address your unique situation.

Focused areas include:
 

 

Managed Portfolios

 

 

403b’s


In the United States, a 403(b) plan is a U.S. tax-advantaged retirement savings plan available for public education organizations, some non-profit employers, cooperative hospital service organizations, and self-employed ministers in the United States. Wikipedia

 

Roth 403b’s


The Roth 403(b) allows you to contribute after-tax dollars and then withdraw tax-free dollars from your account when you retire.

 

457b’s


The 457 plan is a type of nonqualified, tax advantaged deferred-compensation retirement plan that is offered by state governments, local governmentals and some nonprofit employers in the United States. The employer provides the plan and the employee defers compensation into it on a pretax or after-tax basis. Wikipedia

 

Washington State Department of Retirement – Plans 1, 2 and 3 (DRS)

 

 

529 Plans, College Savings Plan


A 529 plan is a tax-advantaged investment vehicle in the United States designed to encourage saving for the future higher education expenses of a designated beneficiary. Wikipedia

 

Simple IRA Plans


A Savings Incentive Match Plan for Employees Individual Retirement Account, commonly known by the abbreviation "SIMPLE IRA", is a type of tax-deferred employer-provided retirement plan in the United States that allows employees to set aside money and invest it to grow for retirement. Wikipedia

 

Individual Retirement Account


An individual retirement account in the United States is a tax-advantaged account that that individuals use to help save and invest for retirement, provided by many financial institutions, that provides tax advantages for retirement savings. Investopedia

 

Roth IRA’s


A Roth IRA is an individual retirement account under United States law that is generally not taxed upon distribution, provided certain conditions are met. Wikipedia

 

Rollover IRA’s


Rollover IRA – no real difference in tax treatment from a traditional IRA, but the funds come from a qualified plan or 403(b) account and are "rolled over" into the rollover IRA instead of contributed as cash. No other assets are commingled with these rollover amounts. Wikipedia

 

Financial Services

Many individuals confuse financial strategies with general savings and investing advice. While how to save (and how much!), and where and when to invest those savings, is every bit important, a prudent financial strategy goes much beyond the realm of just saving and investing.
 

Investment Planning

While many of us don’t realize it, we are constantly engaged in subconscious acts of investment planning. We plan how we can best invest the limited time we have at our disposal. Would the 2-hours we have best be spent visiting a friend at the hospital, or would it be better invested?
 

Retirement Planning

Long before retirement even hits our radars, we’re planning what type of education, skills training and professional designations we’ll acquire. We also spend a lot of time planning which industries are the best place to work in, and which employers to work for. Once employed, we carefully...