thehgroup.com Open in urlscan Pro
34.135.1.19  Public Scan

Form analysis
0 forms found in the DOM

Text Content

Skip to content

Twitter page opens in new windowFacebook page opens in new windowLinkedin page
opens in new window
Twitter page opens in new windowFacebook page opens in new windowLinkedin page
opens in new window
The H Group – Portland, Oregon
Independent Wealth Management Solutions


CREATING CLARITY & CONFIDENCE IN A COMPLEX WORLD

 * Home
 * About
 * Advisors
 * Getting Started
 * Services
 * News
 * Resources
 * Account Access
   * Fidelity Investments Login
   * TD Ameritrade Login
   * eMoney
 * Contact

CREATING CLARITY & CONFIDENCE IN A COMPLEX WORLD



 * Home
 * About
 * Advisors
 * Getting Started
 * Services
 * News
 * Resources
 * Account Access
   * Fidelity Investments Login
   * TD Ameritrade Login
   * eMoney
 * Contact

CREATING CLARITY & CONFIDENCE IN A COMPLEX WORLD


HELPING PEOPLE MAKE WISE DECISIONS ABOUT THEIR MONEY AND LIVES



OUR FIRM

THE H GROUP, INC. IS AN INDEPENDENT, FEE-ONLY WEALTH MANAGEMENT FIRM. FOUNDED IN
1990 AND REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION AS A REGISTERED
INVESTMENT ADVISORY FIRM, WE ARE NOW RECOGNIZED AS ONE OF THE LARGEST
INDEPENDENT FINANCIAL PLANNING FIRMS IN THE NORTHWEST. WE ARE DEDICATED TO OUR
CLIENTS’ SUCCESS. WE STRIVE TO UNDERSTAND YOUR NEEDS AND THEN PROVIDE PRACTICAL
SOLUTIONS AND EFFECTIVE SOLUTIONS TO YOUR PROBLEMS. BY CONDUCTING OUR BUSINESS
WITH UNCOMPROMISING HONESTY AND INTEGRITY, WE ARE CONFIDENT THAT WE WILL EARN
YOUR TRUST AND RESPECT.


WHO WE SERVE
OUR PHILOSOPHY

MOST OF OUR CLIENTS ARE FINANCIALLY COMFORTABLE RETIREES AND SUCCESSFUL
INDIVIDUALS WHO HAVE ACCUMULATED SIGNIFICANT ASSETS. THEY ARE
CONSERVATIVE-TO-MODERATE RISK TAKERS, AND MOST OF THEM WERE REFERRED TO US BY
OTHER CLIENTS OR BY PROFESSIONAL ADVISORS. OUR CLIENTS SEEK LONG-TERM
RELATIONSHIPS WITH THEIR ADVISORS. THEY APPRECIATE OUR KNOWLEDGE AND EXPERTISE,
BUT IT IS OUR CARE AND CONCERN FOR OUR CLIENTS THAT THEY VALUE MOST.

Learn More


PROFESSIONALS
OUR ADVISORS AVERAGE NEARLY 20 YEARS OF EXPEREINCE

YOUR FINANCIAL FUTURE IS TOO IMPORTANT TO LEAVE TO CHANCE. OUR EXPERIENCED GROUP
OF CREDENTIALED FINANCIAL ADVISORS AVERAGE NEARLY 20 YEARS OF EXPERIENCE IN THE
FINANCIAL SERVICES PROFESSION. ALL OF OUR SENIOR ADVISORS ARE CERTIFIED
FINANCIAL PLANNER™ (CFP) PROFESSIONALS.


CLIENTS
SERVING WITH PURPOSE

OUR CLIENTS ARE FUN


We genuinely enjoy and respect our client families. We look forward to seeing
them and go out of our way to find opportunities to make their lives easier.

Learn More

OUR CLIENTS ARE BUSY PEOPLE

They prefer to spend life focusing on their families and careers, rather than
sorting through the increasingly difficult and complex world of personal
finance. They entrust us to be a part of their team.

Learn More

OUR CLIENTS ARE MULTIGENERATIONAL

We are proud to work with our clients across decades and generations. It’s not
uncommon for our conference room to fill with two or three generations, all
collaborating, all on the same page.

Learn More

OUR CLIENTS TRUST US


We work every day to earn and maintain the trust of the clients we are
privileged to serve. We actively seek ways to make their lives better and
genuinely enjoy helping.

Learn More

OUR CLIENTS VALUE TIME


They recognize the value of their time – and our expertise. In our work
together, we strive to create clarity through customized planning and
empowerment through ongoing education.

Learn More

OUR CLIENTS ARE FUN


We genuinely enjoy and respect our client families. We look forward to seeing
them and go out of our way to find opportunities to make their lives easier.

Learn More

OUR CLIENTS ARE BUSY PEOPLE

They prefer to spend life focusing on their families and careers, rather than
sorting through the increasingly difficult and complex world of personal
finance. They entrust us to be a part of their team.

Learn More

OUR PROCESS
OUR HOLISTIC APPROACH MEETS EVERY AREA OF LIFE PLANNING

WEALTH
MANAGEMENT



TAX
PLANNING



RISK
MANAGEMENT



ESTATE
PLANNING



CASH FLOW
ORGANIZATION



PHILANTHROPIC
OBJECTIVES


Learn More

NEWS
A FEW OF OUR LATEST ARTICLES


RETIREMENT PLAN CONSIDERATIONS AT DIFFERENT STAGES OF LIFE

Throughout your career, retirement planning will likely be one of the most
important components of your overall financial plan. Whether you have just
graduated and taken your first job, are starting a family, are enjoying your
peak earning years, or…


WHAT CAUSES SUDDEN MARKET DECLINES?

What causes sudden market declines like we saw this week, seemingly out of
nowhere? There often isn’t a concrete reason. It’s important to remember that
stocks trade in a market like any other good: when there are more buyers than…


THE IMPACT OF A BIDEN PRESIDENCY?

What would be the impact of a Biden Presidential election win, potentially
including a Democratic takeover of the Senate? The impact of a potential new
President on stock market returns is always a key question in the weeks prior
to…


ABCS OF FINANCIAL AID

These days, it’s hard to talk about college without mentioning financial aid.
Yet this pairing isn’t a marriage of love, but one of necessity. In many cases,
financial aid may be the deciding factor in whether your child attends the…


ALTERNATIVE MINIMUM TAX (AMT)

When it comes to federal income tax, there are few subjects capable of causing
as much confusion as the Alternative Minimum Tax. The Tax Cuts and Jobs Act
substantially increased the Alternative Minimum Tax exemptions and exemption
phaseout thresholds for…


COLLEGE EXPENSES AND THE PANDEMIC IMPACT

Even in normal times, it can be challenging for families to cover college
expenses without borrowing money and/or risking their own retirement security.
For the 2019-2020 academic year…


DEALING WITH PERIODS OF CRISIS

By definition, a crisis is a turning point, a time when you have to make crucial
decisions (often suddenly) that will affect your future. Although smart planning
is the key to effectively dealing with periods of crisis, you may find…


BALANCING RETIREMENT AND EDUCATION SAVINGS

You want to retire comfortably when the time comes. You also want to help your
child go to college. So how do you juggle the two? The truth is, saving for your
retirement and your child’s education at the same…


RETIREMENT PLANNING: THE ROTH 401(K)

Employers can offer 401(k) plan participants the opportunity to make Roth 401(k)
contributions. If you’re lucky enough to work for an employer who offers this
option, Roth contributions could play an important role in maximizing your
retirement income.


SMALL BUSINESS: DESIGNING A BENEFIT PACKAGE

If you’re a small business owner, you face many challenges in growing your
company. One of them is recruiting and retaining the best talent for your needs.
When your primary goals are managing costs and increasing revenue, how do you…


HEALTH SAVINGS ACCOUNT 101

Are health insurance premiums taking too big of a bite out of your budget? Do
you wish you had better control over how you spend your health-care dollars? If
so, you may be interested in an alternative to traditional health…


SOCIAL SECURITY RETIREMENT BENEFIT BASICS

Social Security benefits are a major source of retirement income for most
people. Your Social Security retirement benefit is based on the number of years
you’ve been working and the amount you’ve earned. When you begin taking Social
Security benefits…


US DOLLAR: WHAT’S ALL THE FUSS?

Following a sharp 10% rise in the value of the U.S. dollar earlier in the year,
most dramatically during the stock market meltdown in Q1, the dollar has sold
off by nearly -10% since. This pattern is not abnormal during…


NET INVESTMENT INCOME TAX: THE BASICS

If your income hits a certain level, you may face an additional wrinkle in
calculating your taxes: the net investment income tax (also referred to as the
unearned income Medicare contribution tax). This 3.8% Medicare tax applies to
some or…


LONG-TERM CARE: 5 COMMON QUESTIONS

Understandably, many people put off planning for long-term care. But although
it’s hard to face the fact that health problems may someday result in a loss of
independence, if you begin planning now, you’ll have more options open to you…


SUCCESSION PLANNING: BUY-SELL AGREEMENT

Buy-sell agreements are very important planning tools that can accomplish many
things for a business with two or more owners. Sometimes referred to as a
prenuptial or premarital agreement among business owners, a business
continuation agreement, a stock purchase agreement,…


THE SHAPE OF ECONOMIC RECOVERY

On June 8, 2020, the National Bureau of Economic Research (NBER), which has
official responsibility for determining U.S. business cycles, announced that
February 2020 marked the end of an expansion that began in 2009 and the
beginning of a recession.1 This…


A RETIREMENT INCOME ROADMAP FOR WOMEN

More women are working and taking charge of their own retirement planning than
ever before. What does retirement mean to you? Do you dream of traveling?
Pursuing a hobby? Volunteering your time, or starting a new career or business?
Simply…


OREGON PANDEMIC UNEMPLOYMENT ASSISTANCE UPDATE

On Friday, July 17th, the Oregon Employment Department launched a new online
form for Pandemic Unemployment Assistance (PUA) initial claims and weekly
certifications. We wanted to pass along some additional information regarding
the new form, per David Gerstenfeld, Acting Director…


WALL STREET VS. MAIN STREET: DISCONNECTED?

Are the financial markets (‘Wall Street’) and the real economy (‘Main Street’)
disconnected? Although they may appear to be disconnected on the surface, and
near-term outcomes are impossible to predict, they’re likely no more
disconnected than usual. One of the…


HOW TO PROTECT YOURSELF AGAINST IDENTITY THEFT

Massive computer hacks and data breaches are now common occurrences — an
unfortunate consequence of living in a digital world. Once identity thieves have
your information, they can use it to gain access to your bank and credit card
accounts,…


TEACH YOUR CHILDREN WELL: BASIC FINANCIAL EDUCATION

Even before your children can count, they already know something about money:
it’s what you have to give the ice cream man to get a cone, or put in the slot
to ride the rocket ship at the grocery store.…


SOCIAL SECURITY AND MEDICARE FACE FINANCIAL CHALLENGES

Most Americans will eventually receive Social Security and Medicare benefits.
Each year, the Trustees of the Social Security and Medicare Trust Funds release
lengthy reports to Congress that assess the health of these important programs.
The newest reports, released on…


OREGON PERS – SENATE BILL 1049

In 2019, the Oregon Legislature passed Senate Bill 1049 (SB1049). The bill makes
some changes to the Oregon PERS calculations in their quest to help keep the
PERS system funded for current and future beneficiaries. While the bill was
passed…


WOMEN AND WORK: WHY SALARY, BENEFITS, AND WORK-LIFE BALANCE COUNT

As more and more women earn college degrees, change in the workplace may be
inevitable. According to the National Center for Education Statistics, women now
earn 57% of bachelor’s degrees, 58% of master’s degrees, and 53% of doctoral
degrees. According…


COPING WITH MARKET VOLATILITY: HOW BIASES CAN AFFECT INVESTMENT DECISIONS

When it comes to your finances, “go with your gut” might not be the wisest adage
to follow. In fact, it may work against you, particularly in periods of market
turbulence. Before jumping to conclusions about your finances, consider what…


TOO MUCH OIL WITH NOWHERE TO GO

On April 20, 2020, the price of a futures contract for West Texas Intermediate
crude — the benchmark for U.S. oil prices — fell below zero for the first time
in history, dropping more than 306% in trading on the…


HOW WOMEN ARE DIFFERENT FROM MEN, FINANCIALLY SPEAKING

We all know men and women are different in some fundamental ways. But is this
true when it comes to financial planning? Everyone wants financial security. But
women often face unique obstacles that can affect their ability to achieve it.…


AVOID MIXING BUSINESS AND PERSONAL…FINANCES THAT IS

Most are familiar with the old saying “never mix business with pleasure.”
However, for business owners both large and small, keeping in mind the mantra to
never mix business finances with personal finances will serve you well.


NET UNREALIZED APPRECIATION: THE UNTOLD STORY

If you participate in a 401(k), ESOP, or other qualified retirement plan that
lets you invest in your employer’s stock, you need to know about net unrealized
appreciation — a simple tax deferral opportunity with an unfortunately
complicated name.


ESTATE TAX CHANGES UNDER RECENT TAX ACTS

Over the past two decades significant changes have been made to the taxation of
an estate. In this article we take a look at how the federal gift and estate
tax, as well as the federal generation-skipping tax have been…


REACHING RETIREMENT: NOW WHAT?

You’ve worked hard your whole life anticipating the day you could finally
retire. Well, that day has arrived! But with it comes the realization that
you’ll need to carefully manage your assets to give them lasting potential.


ESTATE PLANNING: LEAVING A LEGACY

You’ve worked hard over the years to accumulate wealth, and you probably find it
comforting to know that after your death the assets you leave behind will
continue to be a source of support for your family, friends, and the…


RETIREMENT CONFIDENCE DROPS IN 2020

The Retirement Confidence Survey conducted each year by the Employee Benefit
Research Institute (EBRI) took a slightly different tack in 2020. After
completing its initial outreach in January — the 30th in its annual series —
EBRI decided to conduct…


2019 IRA CONTRIBUTION DEADLINE EXTENSION

Due to the coronavirus tax filing extension, there’s still time to make a
regular IRA contribution for 2019. You have until your tax return due date (not
including extensions) to contribute up to $6,000 for 2019 ($7,000 if you were…


NEGATIVE INTEREST RATES IN THE U.S.?

With U.S. short-term interest rates again reaching the zero bound (fed funds
rate of 0.00-0.25%), debate has surfaced again about moving the target range
further—to below-zero territory. Several developed nations, mostly in Europe,
moved down this path years ago, and…


UNEMPLOYMENT FRAUD ON THE RISE

Moments of crisis are times for people to come together and help one another.
However, with the rise of record unemployment levels, unemployment fraud has
taken hold of vulnerable targets.


TOO FAR AND TOO FAST?

Have some financial asset prices bounced back too far and too fast? This is
never simple to evaluate, as current prices for rates and risk assets have a
behavioral component, and appropriate price levels may only be obvious in
hindsight.


WATCH OUT FOR CORONAVIRUS SCAMS

Fraudsters and scam artists are always looking for new ways to prey on
consumers. Now they are using the same tactics to take advantage of consumers’
heightened financial and health concerns over the coronavirus pandemic.


HOW MEANINGFUL ARE THESE ONGOING TARIFF THREATS?

Market volatility has obviously been ramping up as of late, with one of the
catalysts being the announcement of various layers of tariffs by the U.S.
administration. This rhetoric has been targeted at China, which has responded
with a series…


WHAT SHOULD WE MAKE OF THE PULLBACK IN EQUITIES?

As we discussed in our special note last week, pullbacks are a normal component
in the cycle of any market, with a few steps forward-one-step back pattern being
the tendency of stock investments for the past several centuries. Read our…


NOW THAT THE TAX PLAN IS FINISHED, NOW WHAT?

The 1000+ page tax reform plan, the largest in decades, has been passed by both
legislative chambers and signed into law. It moved surprisingly quickly, with
initial debate about various components turning into a package that looked very
much like…


WHAT TO MAKE OF THE RISE IN BITCOIN AND OTHER CRYPTOCURRENCIES?

It’s impossible to speculate on the future prospects of Bitcoin or other
cryptocurrencies that have been gaining significant ground in recent months. But
it’s important to remember the risks.


TAKING ADVANTAGE OF EMPLOYER-SPONSORED RETIREMENT PLANS

Employer-sponsored qualified retirement plans such as 401(k)s are some of the
most powerful retirement savings tools available. If your employer offers such a
plan and you’re not participating in it, you should be. Once you’re
participating in a plan, try…


403(B) PLANS: THE BASICS

Retirement plans established under Section 403(b) of the Internal Revenue Code,
commonly referred to as 403(b) plans or “tax-sheltered annuities,” have become a
popular type of employer-sponsored retirement plan.


DIVORCE: BUDGETS AND CASH FLOWS

Why is the preparation of financial statements important during the divorce
process? Before a reasonable property settlement can be negotiated, it’s
important for both spouses in a divorce to disclose all assets, liabilities,
sources of income, and expenses. By arranging…


THE NEW ESTATE TAX RULES AND YOUR ESTATE PLAN

The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of
2010 (the 2010 Tax Act) included new gift, estate, and generation-skipping
transfer (GST) tax provisions. The 2010 Tax Act provided that in 2011 and 2012,
the gift and estate…


TEACHING YOUR COLLEGE-AGE CHILD ABOUT MONEY

When your child first started school, you doled out the change for milk and a
snack on a daily basis. But now that your kindergartner has grown up, it’s time
for you to make sure that your child has enough…


FINANCIAL AID 101

Many parents pay for college with a combination of current income, savings, and
financial aid. By learning the basics of financial aid, you’ll be able to
understand how the aid process works and compare the aid awards your child
receives.


KEY ESTATE PLANNING DOCUMENTS YOU NEED

Estate Planning – There are five estate planning documents you may need,
regardless of your age, health, or wealth: Durable power of attorney, Advance
medical directives, Will, Letter of instruction, Living trust. The last
document, a living trust, isn’t always…


ARE CRYPTOCURRENCIES THE PLACE TO BE?

We’ve covered some of the characteristics of cryptos before, but with the
ongoing spike in investor interest, the topic is worth revisiting. With any
newer and harder-to-understand product, it’s important to take a step back and
not lose sight of…


IRREVOCABLE LIFE INSURANCE TRUST (ILIT)

An ILIT is a trust primarily set up to hold one or more life insurance policies.
The main purpose of an ILIT is to avoid federal estate tax. If the trust is
drafted and funded properly, your loved ones should…


SINGLE LIFE ANNUITY OR JOINT & SURVIVOR ANNUITY?

Should I choose a single life annuity for my pension or a joint and survivor
annuity that makes payments to my spouse when I die?


INVESTING AS A COUPLE: GETTING TO YES

In a perfect world, both halves of a couple share the same investment goals and
agree on the best way to try to reach them. It doesn’t always work that way,
though; disagreements about money are often a source of…


PANDEMIC RELIEF MEASURES AND YOUR TAX RETURN

Two emergency relief bills passed in 2020 in response to the COVID-19 pandemic
will make this an unusual tax season for many taxpayers. The Coronavirus Aid,
Relief, and Economic Security (CARES) Act was passed in March, and a second
relief…


GET A FRESH START ON YOUR FINANCES IN 2021

There’s no doubt about it — last year was tumultuous. The coronavirus pandemic,
a contentious election, and widespread protests were just some of the events
that impacted our nation in 2020. Fortunately, the arrival of new vaccines has
brought hope…


THERE’S STILL TIME TO MAKE AN IRA CONTRIBUTION FOR 2020

Even though tax filing season is well under way, there’s still time to make a
regular IRA contribution for 2020. You have until your tax return due date (not
including extensions) to contribute up to $6,000 for 2020 ($7,000 if…


AMERICAN RESCUE PLAN ACT: PROVIDING RELIEF TO INDIVIDUALS AND BUSINESSES

On Thursday, March 11, 2021, the American Rescue Plan Act of 2021 (ARPA 2021)
was signed into law. This is a $1.9 trillion emergency relief package that
includes payments to individuals and funding for federal programs, vaccines and
testing, state…


CONSOLIDATED APPROPRIATIONS ACT: PROVIDING RELIEF TO INDIVIDUALS AND BUSINESSES

On Sunday, December 27, 2020, the Consolidated Appropriations Act, 2021 (CAA
2021) was signed into law. A $900 billion emergency relief package is included
as part of this omnibus spending bill. It is intended to assist individuals and
businesses during…


HOW MUCH INFLATION RISK IS REALLY OUT THERE?

Treasury rates have ticked higher in recent weeks, due to investor worries about
a pickup in inflation. This is not a new concern, but has gained steam as a
large ($1.9 tril.) stimulus package appears to be on the verge…


ESTABLISHING A BUDGET

Do you ever wonder where your money goes each month? Does it seem like you’re
never able to get ahead? If so, you may want to establish a budget to help you
keep track of how you spend your money…


TRANSFERRING YOUR FAMILY BUSINESS

As a business owner, you’re going to have to decide when will be the right time
to step out of the family business and how you’ll do it. There are many estate
planning tools you can use to transfer your…


UMBRELLA LIABILITY INSURANCE

When your local weather forecaster tells you that it’s going to rain, what do
you do? That’s easy–you reach for your umbrella. So why not purchase an umbrella
that can protect you in stormy financial weather? Umbrella liability insurance
(ULI)…


WHAT IS THE GAMESTOP SITUATION ALL ABOUT?

We don’t like to spend too much time on market anomalies, let alone individual
stocks that fall outside long-term asset allocation principles, but this seems
to have taken over the headlines last week. Rarely do stock market quirks become
mainstream…


BALANCING WORK AND FAMILY

At one time, the typical American family looked like this: a breadwinner father
who commuted a short distance to work and earned a very good living, and a
stay-at-home mother who took care of the kids and family home with…


FINANCIAL BASICS FOR MILLENNIALS

With age comes responsibility, so if you’re a young adult in your 20s or 30s,
chances are you’ve been introduced to the realities of adulthood. While you’re
excited by all the opportunities life has to offer, you’re also aware of…


ECONOMIC OUTLOOK: WHAT COULD WE EXPECT IN 2021?

Each year naturally brings more surprises than certainties, so outlooks and
predictions of any kind quickly become futile. (We’ve already experienced a
dramatic and unusual first week of January.) At least at this point in time,
noted are a few…


RETIREMENT SAVINGS: REVISITING THE 4% RULE

Saving for retirement is not easy, but using your retirement savings wisely can
be just as challenging. How much of your savings can you withdraw each year?
Withdraw too much and you run the risk of running out of money.…


COVID RELIEF PLAN: WHAT CAN YOU EXPECT?

The prior weekend, Congress had agreed on a $900+ bil. Covid relief package,
approved by both chambers a few days later, and finally signed by the President
last night. This had been in the works for months, with a few…


FACING THE POSSIBILITY OF INCAPACITY

Incapacity means that you are either mentally or physically unable to take care
of yourself or your day-to-day affairs. Incapacity can result from serious
physical injury, mental or physical illness, advancing age, and alcohol or drug
abuse.


ESTATE PLANNING: CHARITABLE GIVING

When developing your estate plan, you can do well by doing good. Leaving money
through charitable giving rewards you in many ways. It gives you a sense of
personal satisfaction, and it can save you money in estate taxes.


DOW 30,000: HOW IMPORTANT IS IT?

It’s a new high, but not dissimilar to celebrating say, 29,999 as a new peak,
although the odd number didn’t receive the same level of media attention. These
round market levels, whether it be the Dow Jones Industrial Average, Nasdaq,…


OREGON WAITING WEEK PAYMENTS ARRIVE

The Oregon Employment Department (OED) has announced that as of November 24th,
they have started issuing waiting week payments to eligible Oregonians.


ARE BONDS EXPENSIVE? ARE THEY IN A BUBBLE?

Whether or not an asset class is in a bubble is difficult to answer in
real-time, since sentiment can change course as quickly as a few weeks, or take
years. In hindsight, these things are always more obvious. The question…


THE BASICS: CREDIT SCORE

It’s difficult to imagine functioning in today’s world without credit. Whether
buying a car or purchasing a home, credit has become an integral part of our
everyday lives. Having easy access to credit goes hand in hand with having a…


THE ELECTION IS OVER, NOW WHAT?

The election results may have surprised some forecasters (and certainly
pollsters), as the predicted ‘blue wave’ of Democrats capturing both the
Presidency and Senate fell short. Democrats did retain the House of
Representatives, as anticipated, although more seats than expected…


MYTHS AND FACTS ABOUT SOCIAL SECURITY

There’s no doubt about it — Social Security is an important source of retirement
income for most Americans. According to the Social Security Administration,
nearly nine out of ten individuals age 65 and older receive Social Security
benefits.


RETIREMENT ACCOUNT ROLLOVERS

Rollovers are the movement of funds from one retirement savings vehicle to
another. You may want to make a rollover for any number of reasons — your
employment situation has changed, you want to switch investments, or you’ve
received death…


HEALTHCARE OPEN ENROLLMENT BEGINS NOVEMBER 1

Beginning on November 1, 2020, individuals (including families) may apply for
new health insurance, switch to a different health-care plan, or re-enroll in
their current plan through a Health Insurance Marketplace under the Affordable
Care Act (ACA). The open enrollment…


PLAN SPONSORS: CORONAVIRUS RELIEF MEASURES

In March 2020, Congress passed the Coronavirus Aid, Relief, and Economic
Security (CARES) Act, which included several provisions designed to help
retirement savers cope with the financial fallout from the pandemic. Among these
temporary measures were special rules for required…


THE BULL IS BACK…WILL IT KEEP CHARGING?

On August 18, 2020, the S&P 500 set a record high for the first time since
COVID-19 ushered in a bear market on February 19. The cycle from peak to peak
was just 126 trading days, the fastest recovery in…


THE TRAITS OF A GOOD INVESTOR AND HOW WOMEN CAN MAKE THE MOST OF THEM

Many women manage their own money. This includes women who have always been
doing so and women who are relatively new to the world of investing, for
whatever reason. Regardless of your level of investing experience, there are
certain investor…


TEMPORARY PAYROLL TAX DEFERRAL

On August 8, 2020, the president issued an executive order to allow the deferral
of certain payroll taxes during the last four months of 2020, and the IRS
recently provided related guidance. This has implications for both employers and
employees.…


OREGON PANDEMIC LOST WAGES ASSISTANCE UPDATE

On Wednesday, September 30th, the Oregon Employment Department will begin
issuing Lost Wages Assistance (LWA) payments to qualifying Oregonians who
received PUA benefits or self-certified that they received unemployment benefits
for COVID-19-related reasons.


STUDENT LOAN RELIEF EXTENDED THROUGH END OF YEAR

In March 2020, Congress passed the Coronavirus Aid, Relief, and Economic
Security (CARES) Act, which provided a six-month automatic payment suspension on
federal student loans through September 30, 2020. In August, the president
signed a memorandum to extend federal student…


THE IMPACT OF A TRUMP REELECTION?

What would be the impact of a Trump Presidential reelection for a second term?
How important is the President on financial markets anyway? In many ways,
policies to expect would likely be similar to what’s in place today, and
largely…


RETIREMENT PLAN CONSIDERATIONS AT DIFFERENT STAGES OF LIFE

Throughout your career, retirement planning will likely be one of the most
important components of your overall financial plan. Whether you have just
graduated and taken your first job, are starting a family, are enjoying your
peak earning years, or…


WHAT CAUSES SUDDEN MARKET DECLINES?

What causes sudden market declines like we saw this week, seemingly out of
nowhere? There often isn’t a concrete reason. It’s important to remember that
stocks trade in a market like any other good: when there are more buyers than…


THE IMPACT OF A BIDEN PRESIDENCY?

What would be the impact of a Biden Presidential election win, potentially
including a Democratic takeover of the Senate? The impact of a potential new
President on stock market returns is always a key question in the weeks prior
to…


ABCS OF FINANCIAL AID

These days, it’s hard to talk about college without mentioning financial aid.
Yet this pairing isn’t a marriage of love, but one of necessity. In many cases,
financial aid may be the deciding factor in whether your child attends the…


ALTERNATIVE MINIMUM TAX (AMT)

When it comes to federal income tax, there are few subjects capable of causing
as much confusion as the Alternative Minimum Tax. The Tax Cuts and Jobs Act
substantially increased the Alternative Minimum Tax exemptions and exemption
phaseout thresholds for…


COLLEGE EXPENSES AND THE PANDEMIC IMPACT

Even in normal times, it can be challenging for families to cover college
expenses without borrowing money and/or risking their own retirement security.
For the 2019-2020 academic year…


DEALING WITH PERIODS OF CRISIS

By definition, a crisis is a turning point, a time when you have to make crucial
decisions (often suddenly) that will affect your future. Although smart planning
is the key to effectively dealing with periods of crisis, you may find…


BALANCING RETIREMENT AND EDUCATION SAVINGS

You want to retire comfortably when the time comes. You also want to help your
child go to college. So how do you juggle the two? The truth is, saving for your
retirement and your child’s education at the same…


RETIREMENT PLANNING: THE ROTH 401(K)

Employers can offer 401(k) plan participants the opportunity to make Roth 401(k)
contributions. If you’re lucky enough to work for an employer who offers this
option, Roth contributions could play an important role in maximizing your
retirement income.


SMALL BUSINESS: DESIGNING A BENEFIT PACKAGE

If you’re a small business owner, you face many challenges in growing your
company. One of them is recruiting and retaining the best talent for your needs.
When your primary goals are managing costs and increasing revenue, how do you…


HEALTH SAVINGS ACCOUNT 101

Are health insurance premiums taking too big of a bite out of your budget? Do
you wish you had better control over how you spend your health-care dollars? If
so, you may be interested in an alternative to traditional health…


SOCIAL SECURITY RETIREMENT BENEFIT BASICS

Social Security benefits are a major source of retirement income for most
people. Your Social Security retirement benefit is based on the number of years
you’ve been working and the amount you’ve earned. When you begin taking Social
Security benefits…


US DOLLAR: WHAT’S ALL THE FUSS?

Following a sharp 10% rise in the value of the U.S. dollar earlier in the year,
most dramatically during the stock market meltdown in Q1, the dollar has sold
off by nearly -10% since. This pattern is not abnormal during…


NET INVESTMENT INCOME TAX: THE BASICS

If your income hits a certain level, you may face an additional wrinkle in
calculating your taxes: the net investment income tax (also referred to as the
unearned income Medicare contribution tax). This 3.8% Medicare tax applies to
some or…


LONG-TERM CARE: 5 COMMON QUESTIONS

Understandably, many people put off planning for long-term care. But although
it’s hard to face the fact that health problems may someday result in a loss of
independence, if you begin planning now, you’ll have more options open to you…


SUCCESSION PLANNING: BUY-SELL AGREEMENT

Buy-sell agreements are very important planning tools that can accomplish many
things for a business with two or more owners. Sometimes referred to as a
prenuptial or premarital agreement among business owners, a business
continuation agreement, a stock purchase agreement,…


THE SHAPE OF ECONOMIC RECOVERY

On June 8, 2020, the National Bureau of Economic Research (NBER), which has
official responsibility for determining U.S. business cycles, announced that
February 2020 marked the end of an expansion that began in 2009 and the
beginning of a recession.1 This…


A RETIREMENT INCOME ROADMAP FOR WOMEN

More women are working and taking charge of their own retirement planning than
ever before. What does retirement mean to you? Do you dream of traveling?
Pursuing a hobby? Volunteering your time, or starting a new career or business?
Simply…


OREGON PANDEMIC UNEMPLOYMENT ASSISTANCE UPDATE

On Friday, July 17th, the Oregon Employment Department launched a new online
form for Pandemic Unemployment Assistance (PUA) initial claims and weekly
certifications. We wanted to pass along some additional information regarding
the new form, per David Gerstenfeld, Acting Director…


WALL STREET VS. MAIN STREET: DISCONNECTED?

Are the financial markets (‘Wall Street’) and the real economy (‘Main Street’)
disconnected? Although they may appear to be disconnected on the surface, and
near-term outcomes are impossible to predict, they’re likely no more
disconnected than usual. One of the…


HOW TO PROTECT YOURSELF AGAINST IDENTITY THEFT

Massive computer hacks and data breaches are now common occurrences — an
unfortunate consequence of living in a digital world. Once identity thieves have
your information, they can use it to gain access to your bank and credit card
accounts,…


TEACH YOUR CHILDREN WELL: BASIC FINANCIAL EDUCATION

Even before your children can count, they already know something about money:
it’s what you have to give the ice cream man to get a cone, or put in the slot
to ride the rocket ship at the grocery store.…


SOCIAL SECURITY AND MEDICARE FACE FINANCIAL CHALLENGES

Most Americans will eventually receive Social Security and Medicare benefits.
Each year, the Trustees of the Social Security and Medicare Trust Funds release
lengthy reports to Congress that assess the health of these important programs.
The newest reports, released on…


OREGON PERS – SENATE BILL 1049

In 2019, the Oregon Legislature passed Senate Bill 1049 (SB1049). The bill makes
some changes to the Oregon PERS calculations in their quest to help keep the
PERS system funded for current and future beneficiaries. While the bill was
passed…


WOMEN AND WORK: WHY SALARY, BENEFITS, AND WORK-LIFE BALANCE COUNT

As more and more women earn college degrees, change in the workplace may be
inevitable. According to the National Center for Education Statistics, women now
earn 57% of bachelor’s degrees, 58% of master’s degrees, and 53% of doctoral
degrees. According…


COPING WITH MARKET VOLATILITY: HOW BIASES CAN AFFECT INVESTMENT DECISIONS

When it comes to your finances, “go with your gut” might not be the wisest adage
to follow. In fact, it may work against you, particularly in periods of market
turbulence. Before jumping to conclusions about your finances, consider what…


TOO MUCH OIL WITH NOWHERE TO GO

On April 20, 2020, the price of a futures contract for West Texas Intermediate
crude — the benchmark for U.S. oil prices — fell below zero for the first time
in history, dropping more than 306% in trading on the…


HOW WOMEN ARE DIFFERENT FROM MEN, FINANCIALLY SPEAKING

We all know men and women are different in some fundamental ways. But is this
true when it comes to financial planning? Everyone wants financial security. But
women often face unique obstacles that can affect their ability to achieve it.…


AVOID MIXING BUSINESS AND PERSONAL…FINANCES THAT IS

Most are familiar with the old saying “never mix business with pleasure.”
However, for business owners both large and small, keeping in mind the mantra to
never mix business finances with personal finances will serve you well.


NET UNREALIZED APPRECIATION: THE UNTOLD STORY

If you participate in a 401(k), ESOP, or other qualified retirement plan that
lets you invest in your employer’s stock, you need to know about net unrealized
appreciation — a simple tax deferral opportunity with an unfortunately
complicated name.


ESTATE TAX CHANGES UNDER RECENT TAX ACTS

Over the past two decades significant changes have been made to the taxation of
an estate. In this article we take a look at how the federal gift and estate
tax, as well as the federal generation-skipping tax have been…


REACHING RETIREMENT: NOW WHAT?

You’ve worked hard your whole life anticipating the day you could finally
retire. Well, that day has arrived! But with it comes the realization that
you’ll need to carefully manage your assets to give them lasting potential.


ESTATE PLANNING: LEAVING A LEGACY

You’ve worked hard over the years to accumulate wealth, and you probably find it
comforting to know that after your death the assets you leave behind will
continue to be a source of support for your family, friends, and the…


RETIREMENT CONFIDENCE DROPS IN 2020

The Retirement Confidence Survey conducted each year by the Employee Benefit
Research Institute (EBRI) took a slightly different tack in 2020. After
completing its initial outreach in January — the 30th in its annual series —
EBRI decided to conduct…


2019 IRA CONTRIBUTION DEADLINE EXTENSION

Due to the coronavirus tax filing extension, there’s still time to make a
regular IRA contribution for 2019. You have until your tax return due date (not
including extensions) to contribute up to $6,000 for 2019 ($7,000 if you were…


NEGATIVE INTEREST RATES IN THE U.S.?

With U.S. short-term interest rates again reaching the zero bound (fed funds
rate of 0.00-0.25%), debate has surfaced again about moving the target range
further—to below-zero territory. Several developed nations, mostly in Europe,
moved down this path years ago, and…


UNEMPLOYMENT FRAUD ON THE RISE

Moments of crisis are times for people to come together and help one another.
However, with the rise of record unemployment levels, unemployment fraud has
taken hold of vulnerable targets.


TOO FAR AND TOO FAST?

Have some financial asset prices bounced back too far and too fast? This is
never simple to evaluate, as current prices for rates and risk assets have a
behavioral component, and appropriate price levels may only be obvious in
hindsight.


WATCH OUT FOR CORONAVIRUS SCAMS

Fraudsters and scam artists are always looking for new ways to prey on
consumers. Now they are using the same tactics to take advantage of consumers’
heightened financial and health concerns over the coronavirus pandemic.


HOW MEANINGFUL ARE THESE ONGOING TARIFF THREATS?

Market volatility has obviously been ramping up as of late, with one of the
catalysts being the announcement of various layers of tariffs by the U.S.
administration. This rhetoric has been targeted at China, which has responded
with a series…


WHAT SHOULD WE MAKE OF THE PULLBACK IN EQUITIES?

As we discussed in our special note last week, pullbacks are a normal component
in the cycle of any market, with a few steps forward-one-step back pattern being
the tendency of stock investments for the past several centuries. Read our…


NOW THAT THE TAX PLAN IS FINISHED, NOW WHAT?

The 1000+ page tax reform plan, the largest in decades, has been passed by both
legislative chambers and signed into law. It moved surprisingly quickly, with
initial debate about various components turning into a package that looked very
much like…


WHAT TO MAKE OF THE RISE IN BITCOIN AND OTHER CRYPTOCURRENCIES?

It’s impossible to speculate on the future prospects of Bitcoin or other
cryptocurrencies that have been gaining significant ground in recent months. But
it’s important to remember the risks.


TAKING ADVANTAGE OF EMPLOYER-SPONSORED RETIREMENT PLANS

Employer-sponsored qualified retirement plans such as 401(k)s are some of the
most powerful retirement savings tools available. If your employer offers such a
plan and you’re not participating in it, you should be. Once you’re
participating in a plan, try…


403(B) PLANS: THE BASICS

Retirement plans established under Section 403(b) of the Internal Revenue Code,
commonly referred to as 403(b) plans or “tax-sheltered annuities,” have become a
popular type of employer-sponsored retirement plan.


DIVORCE: BUDGETS AND CASH FLOWS

Why is the preparation of financial statements important during the divorce
process? Before a reasonable property settlement can be negotiated, it’s
important for both spouses in a divorce to disclose all assets, liabilities,
sources of income, and expenses. By arranging…


THE NEW ESTATE TAX RULES AND YOUR ESTATE PLAN

The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of
2010 (the 2010 Tax Act) included new gift, estate, and generation-skipping
transfer (GST) tax provisions. The 2010 Tax Act provided that in 2011 and 2012,
the gift and estate…


TEACHING YOUR COLLEGE-AGE CHILD ABOUT MONEY

When your child first started school, you doled out the change for milk and a
snack on a daily basis. But now that your kindergartner has grown up, it’s time
for you to make sure that your child has enough…


FINANCIAL AID 101

Many parents pay for college with a combination of current income, savings, and
financial aid. By learning the basics of financial aid, you’ll be able to
understand how the aid process works and compare the aid awards your child
receives.


KEY ESTATE PLANNING DOCUMENTS YOU NEED

Estate Planning – There are five estate planning documents you may need,
regardless of your age, health, or wealth: Durable power of attorney, Advance
medical directives, Will, Letter of instruction, Living trust. The last
document, a living trust, isn’t always…


ARE CRYPTOCURRENCIES THE PLACE TO BE?

We’ve covered some of the characteristics of cryptos before, but with the
ongoing spike in investor interest, the topic is worth revisiting. With any
newer and harder-to-understand product, it’s important to take a step back and
not lose sight of…


IRREVOCABLE LIFE INSURANCE TRUST (ILIT)

An ILIT is a trust primarily set up to hold one or more life insurance policies.
The main purpose of an ILIT is to avoid federal estate tax. If the trust is
drafted and funded properly, your loved ones should…


SINGLE LIFE ANNUITY OR JOINT & SURVIVOR ANNUITY?

Should I choose a single life annuity for my pension or a joint and survivor
annuity that makes payments to my spouse when I die?


INVESTING AS A COUPLE: GETTING TO YES

In a perfect world, both halves of a couple share the same investment goals and
agree on the best way to try to reach them. It doesn’t always work that way,
though; disagreements about money are often a source of…


PANDEMIC RELIEF MEASURES AND YOUR TAX RETURN

Two emergency relief bills passed in 2020 in response to the COVID-19 pandemic
will make this an unusual tax season for many taxpayers. The Coronavirus Aid,
Relief, and Economic Security (CARES) Act was passed in March, and a second
relief…


GET A FRESH START ON YOUR FINANCES IN 2021

There’s no doubt about it — last year was tumultuous. The coronavirus pandemic,
a contentious election, and widespread protests were just some of the events
that impacted our nation in 2020. Fortunately, the arrival of new vaccines has
brought hope…


THERE’S STILL TIME TO MAKE AN IRA CONTRIBUTION FOR 2020

Even though tax filing season is well under way, there’s still time to make a
regular IRA contribution for 2020. You have until your tax return due date (not
including extensions) to contribute up to $6,000 for 2020 ($7,000 if…


AMERICAN RESCUE PLAN ACT: PROVIDING RELIEF TO INDIVIDUALS AND BUSINESSES

On Thursday, March 11, 2021, the American Rescue Plan Act of 2021 (ARPA 2021)
was signed into law. This is a $1.9 trillion emergency relief package that
includes payments to individuals and funding for federal programs, vaccines and
testing, state…


CONSOLIDATED APPROPRIATIONS ACT: PROVIDING RELIEF TO INDIVIDUALS AND BUSINESSES

On Sunday, December 27, 2020, the Consolidated Appropriations Act, 2021 (CAA
2021) was signed into law. A $900 billion emergency relief package is included
as part of this omnibus spending bill. It is intended to assist individuals and
businesses during…


HOW MUCH INFLATION RISK IS REALLY OUT THERE?

Treasury rates have ticked higher in recent weeks, due to investor worries about
a pickup in inflation. This is not a new concern, but has gained steam as a
large ($1.9 tril.) stimulus package appears to be on the verge…


ESTABLISHING A BUDGET

Do you ever wonder where your money goes each month? Does it seem like you’re
never able to get ahead? If so, you may want to establish a budget to help you
keep track of how you spend your money…


TRANSFERRING YOUR FAMILY BUSINESS

As a business owner, you’re going to have to decide when will be the right time
to step out of the family business and how you’ll do it. There are many estate
planning tools you can use to transfer your…


UMBRELLA LIABILITY INSURANCE

When your local weather forecaster tells you that it’s going to rain, what do
you do? That’s easy–you reach for your umbrella. So why not purchase an umbrella
that can protect you in stormy financial weather? Umbrella liability insurance
(ULI)…


WHAT IS THE GAMESTOP SITUATION ALL ABOUT?

We don’t like to spend too much time on market anomalies, let alone individual
stocks that fall outside long-term asset allocation principles, but this seems
to have taken over the headlines last week. Rarely do stock market quirks become
mainstream…


BALANCING WORK AND FAMILY

At one time, the typical American family looked like this: a breadwinner father
who commuted a short distance to work and earned a very good living, and a
stay-at-home mother who took care of the kids and family home with…


FINANCIAL BASICS FOR MILLENNIALS

With age comes responsibility, so if you’re a young adult in your 20s or 30s,
chances are you’ve been introduced to the realities of adulthood. While you’re
excited by all the opportunities life has to offer, you’re also aware of…


ECONOMIC OUTLOOK: WHAT COULD WE EXPECT IN 2021?

Each year naturally brings more surprises than certainties, so outlooks and
predictions of any kind quickly become futile. (We’ve already experienced a
dramatic and unusual first week of January.) At least at this point in time,
noted are a few…


RETIREMENT SAVINGS: REVISITING THE 4% RULE

Saving for retirement is not easy, but using your retirement savings wisely can
be just as challenging. How much of your savings can you withdraw each year?
Withdraw too much and you run the risk of running out of money.…


COVID RELIEF PLAN: WHAT CAN YOU EXPECT?

The prior weekend, Congress had agreed on a $900+ bil. Covid relief package,
approved by both chambers a few days later, and finally signed by the President
last night. This had been in the works for months, with a few…


FACING THE POSSIBILITY OF INCAPACITY

Incapacity means that you are either mentally or physically unable to take care
of yourself or your day-to-day affairs. Incapacity can result from serious
physical injury, mental or physical illness, advancing age, and alcohol or drug
abuse.


ESTATE PLANNING: CHARITABLE GIVING

When developing your estate plan, you can do well by doing good. Leaving money
through charitable giving rewards you in many ways. It gives you a sense of
personal satisfaction, and it can save you money in estate taxes.


DOW 30,000: HOW IMPORTANT IS IT?

It’s a new high, but not dissimilar to celebrating say, 29,999 as a new peak,
although the odd number didn’t receive the same level of media attention. These
round market levels, whether it be the Dow Jones Industrial Average, Nasdaq,…


OREGON WAITING WEEK PAYMENTS ARRIVE

The Oregon Employment Department (OED) has announced that as of November 24th,
they have started issuing waiting week payments to eligible Oregonians.


ARE BONDS EXPENSIVE? ARE THEY IN A BUBBLE?

Whether or not an asset class is in a bubble is difficult to answer in
real-time, since sentiment can change course as quickly as a few weeks, or take
years. In hindsight, these things are always more obvious. The question…


THE BASICS: CREDIT SCORE

It’s difficult to imagine functioning in today’s world without credit. Whether
buying a car or purchasing a home, credit has become an integral part of our
everyday lives. Having easy access to credit goes hand in hand with having a…


THE ELECTION IS OVER, NOW WHAT?

The election results may have surprised some forecasters (and certainly
pollsters), as the predicted ‘blue wave’ of Democrats capturing both the
Presidency and Senate fell short. Democrats did retain the House of
Representatives, as anticipated, although more seats than expected…


MYTHS AND FACTS ABOUT SOCIAL SECURITY

There’s no doubt about it — Social Security is an important source of retirement
income for most Americans. According to the Social Security Administration,
nearly nine out of ten individuals age 65 and older receive Social Security
benefits.


RETIREMENT ACCOUNT ROLLOVERS

Rollovers are the movement of funds from one retirement savings vehicle to
another. You may want to make a rollover for any number of reasons — your
employment situation has changed, you want to switch investments, or you’ve
received death…


HEALTHCARE OPEN ENROLLMENT BEGINS NOVEMBER 1

Beginning on November 1, 2020, individuals (including families) may apply for
new health insurance, switch to a different health-care plan, or re-enroll in
their current plan through a Health Insurance Marketplace under the Affordable
Care Act (ACA). The open enrollment…


PLAN SPONSORS: CORONAVIRUS RELIEF MEASURES

In March 2020, Congress passed the Coronavirus Aid, Relief, and Economic
Security (CARES) Act, which included several provisions designed to help
retirement savers cope with the financial fallout from the pandemic. Among these
temporary measures were special rules for required…


THE BULL IS BACK…WILL IT KEEP CHARGING?

On August 18, 2020, the S&P 500 set a record high for the first time since
COVID-19 ushered in a bear market on February 19. The cycle from peak to peak
was just 126 trading days, the fastest recovery in…


THE TRAITS OF A GOOD INVESTOR AND HOW WOMEN CAN MAKE THE MOST OF THEM

Many women manage their own money. This includes women who have always been
doing so and women who are relatively new to the world of investing, for
whatever reason. Regardless of your level of investing experience, there are
certain investor…


TEMPORARY PAYROLL TAX DEFERRAL

On August 8, 2020, the president issued an executive order to allow the deferral
of certain payroll taxes during the last four months of 2020, and the IRS
recently provided related guidance. This has implications for both employers and
employees.…


OREGON PANDEMIC LOST WAGES ASSISTANCE UPDATE

On Wednesday, September 30th, the Oregon Employment Department will begin
issuing Lost Wages Assistance (LWA) payments to qualifying Oregonians who
received PUA benefits or self-certified that they received unemployment benefits
for COVID-19-related reasons.


STUDENT LOAN RELIEF EXTENDED THROUGH END OF YEAR

In March 2020, Congress passed the Coronavirus Aid, Relief, and Economic
Security (CARES) Act, which provided a six-month automatic payment suspension on
federal student loans through September 30, 2020. In August, the president
signed a memorandum to extend federal student…


THE IMPACT OF A TRUMP REELECTION?

What would be the impact of a Trump Presidential reelection for a second term?
How important is the President on financial markets anyway? In many ways,
policies to expect would likely be similar to what’s in place today, and
largely…






Bellevue, WA

T: 425.827.6236

11000 NE 33rd Pl #301
Bellevue, WA 98004

Directions

Boise, ID

T: 208.853.7770

7661 W. Riverside Dr. Ste. 104
Boise, ID 83714

Directions

Portland, OR

T: 503.292.5853

3395 SW Garden View Ave
Portland, OR 97225

Directions

Salem, OR

T: 503.371.3333

500 Liberty St SE, Suite 310
Salem, OR 97301

Directions

© Copyright The H Group Inc. All Rights Reserved. Certified Financial Planner
Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL
PLANNER™ and in the U.S., which it awards to individuals who successfully
complete CFP Board’s initial and ongoing certification requirements.

Go to Top