Individual Financial Planning Services

With a team of Certified Financial Planner™ practitioners you will benefit from our commitment to give your wealth purpose and empower you on the path to a financially secure future. We provide comprehensive advice that considers your needs, life goals, and looks beyond what you have to invest. Our fee only, client first approach ensures the highest level of objectivity.

Clients begin their planning with our Discovery Process, gathering information about your specific objectives. We work with you to provide a reasonable savings and investment strategy to improve the probability of meeting your goals. Planning often culminates in designing cash flow strategies to fund your specific goals.

Examples of financial planning engagements and applying our expertise include:

  • Planning for retirement
  • Coordinating multiple goals such as funding college for the kids
  • Establishment and funding of Retirement Plans
  • Inherited (stretch) IRA's and Required Minimum Distributions
  • ROTH Conversions
  • Charitable Giving Strategies
  • Retirement Distribution Planning and early retirement (SOSEPP) withdrawals
  • State and Federal Plans
  • Oil and Gas Industry Plans
  • Financial Planning for Long Term Care
DISCOVERY PROCESS PP website

Relevant Blog Posts

‘The Cream in the Coffee’ Rule and Isolating Basis

When it comes to taxation of your IRAs, there is a rule that haunts even the best tax chemist, the “Pro Rata Rule,” or better known as the “Cream in the Coffee Rule.” The reference is to how the creamer immediately taints the entire cup of coffee, and it becomes difficult to separate cream from […]

Sneak Peek at Wealth Essentials Video Series

We are excited to announce that APCM Wealth Management for Individuals (AWMI) has a new website coming, and when it launches, clients will see our new client-centered video page.  We want to empower our clients to learn and be engaged with their investments and planning, and we know we must meet them where they are.  […]

Meet our newest team member – Leah Ricks

As the newest member of the AWMI team, I hit the ground running from day one! My educational background is in economics and business – I earned my bachelor’s degree in economics from Western Washington University in 2014 and my MBA from University of Alaska in 2019 – while my professional career has largely been […]