Planning From the Beginning

We build financial plans that are based on long-term goals that are evaluated and adjusted on a regular basis. Our plans don’t include Monte Carlos or standard deviations, but rather encompass low-cost, tax efficient and diversified portfolios with a road map to retirement and beyond.

Helping clients clarify their goals, reach milestones, and build lasting legacies are important to our firm. Listen to Soundmark principal, John Buller discuss financial plans in context of the auto maker industry.

We strive to create financial plans to fit our clients’ lives from beginning to end.



Creating a Plan in Your 40s and 50s

KEY TAKEAWAYS: Saving for your long-term retirement and financial goals can seem overwhelming. Break down your goals into smaller, more manageable steps. Creating a true financial plan will provide you with much needed clarity (and relief) about what it takes to accomplish your goals. Constantly monitor and adjust your financial plan with your advisor. The … Continued

The Hurdles of Retirement Spending

We spend our entire careers saving, building nest eggs, and planning for retirement dates. However when the work stops, it can become difficult to flip the switch and withdraw funds from retirement accounts. The Wall Street Journal discusses the challenges of spending during retirement and how to avoid the mental hurdles that accompany the delicate … Continued

Untangling the Senior Housing Maze

 Guest Writer: Alice Kalso  Silver Age Housing & Care Referrals     Look in a directory of senior housing and care options, and you may get lost in the words. There are so many options, it’s a little like a toddler in a 31-flavor ice cream store. The good news is that there’s an abundance … Continued

To Move or Not to Move? Think Safety

Guest Writer: ALICE KALSO Silver Age Housing & Care Referrals     Moving from your home is hard at any age. Even harder as we grow older. Karin Miller, Geriatric Care Manager, suggests you look at the possibility of a move through the eyes of SAFETY. Consider: Safety in the house Is the house accessible? Stairs? Bathroom, laundry on the … Continued

2017 First Quarter Market Report

The market report for the first quarter of 2017 is posted for your review. The concluding article gives a great analogy between a concentrated and undiversified portfolio and driving a vehicle with a broken suspension. To mitigate the bumps in the market, sufficient diversification is your best key to success.

Investing Strategies

“The passive strategy continues to grow in popularity, not only because of its inherent low-cost advantage but because investors are educating themselves and beginning to embrace the essential components of building long-term wealth.” We strongly feel that a passive investment strategy coupled with our financial planning process, allows clients to take control of their financial … Continued

The End of the Bond Bull Market?

KEY TAKEAWAYS Rising interest rates cause bonds to lose value, but it’s no time to panic. Through proper structure and patience, your bond portfolio will experience better returns over the long-term then at the current interest rates. Bond portfolios stabilize your portfolio, especially during a down market, and provide a reliable stream of income during … Continued

The Market Is Overvalued and the Bond Bull Market Is About to End

  KEY TAKEAWAYS Record high market valuations and a historically long bull market don’t necessarily mean a correction is imminent. A typical bear market results in a 24 percent decline, but those “losses” only become realized if you sell out. Don’t let emotion and media hype cloud your thinking during declines. Stick to your plan … Continued

Hoop/Investment Dreams

As March Madness begins, we would like to revisit an article from Soundmark principal and sports enthusiast, John Buller. His comparison of the beloved NCAA basketball tournament and the investment world is uncanny and highlights three principles to remember when filling out tournament brackets and building portfolios: Past performance is not indicative of future returns. … Continued