Plan with clarity.
Invest with purpose.
Financial planning and investment management in Bellingham, Washington. Human advice, systematic portfolios, and research for self-directed investors. Start with your free Stock Pro financial plan.
Plan for retirement.
Invest with purpose.
Your financial picture, connected. Your plan, free. One engine computes your retirement income, taxes, Social Security, estate, and portfolio — together — and recomputes when life changes.
- Your RMD dates from your birthdates — and a Roth conversion schedule held below the ACA subsidy cliff in every pre-Medicare year.
- What the survivor actually keeps — Social Security rules, pension elections, and the single-filer brackets that arrive when income drops.
- An investment map down to the account — which account holds the bonds, where growth belongs, and an honest answer on whether you need a trust.
Shared research.
Two ways to participate.
Private Client Portfolios
Fully discretionary asset management. We construct, implement, and review your portfolio within your agreed investment mandate, with an advisor accountable for its implementation.
- Discretionary management included
- Disciplined portfolio reviews included
- Tax-aware execution included
- Direct advisor access included
- Custodied at Schwab or IBKR your choice
Stock Pro Subscriptions
Five distinct model portfolios, each with its own process, published holdings and allocations. Follow the research through your dashboard and morning brief—you stay in control of execution.
- Daily signals & ratings included
- Model portfolio access premium & up
- Regime & volatility updates included
- Educational webinars included
- No account minimum start anywhere
We don't predict.
We adapt.
Market signals, company research and recorded outcomes inform an ongoing review process. Each model follows its own decision schedule and controls; new research alone does not place a trade.
Market context
Trend, volatility and market participation help frame the investment review. Portfolio changes follow each model’s authorized process.
Adaptive risk budget
Position weights, concentration and defensive exposure are reviewed within the portfolio’s mandate. Risk controls cannot prevent losses.
Tax-aware execution
Lot-level optimization, harvest opportunities, and wash-sale guards built into every trade. After-tax return is the only return that matters.
Options as risk tooling
Protective collars, hedging overlays, and income strategies — used surgically, never speculatively. Aligned with your fiduciary plan.
Every decision deserves a second look.
Record the investment case. Follow what happens next. Use verified lessons to test improvements, with approval before investment policies change.
Six pillars of a modern RIA.
Built for serious capital
Engineered around accounts deploying $500K and up — where disciplined execution and downside control matter more than the next hot trade.
Tax-efficient by design
Strategic lot management, harvest opportunities, and after-tax return targeting — built into every rebalance, not bolted on at year-end.
Fully executed signals
Private clients don't get a watch list. Stock Pro implements the full strategy — construction, execution, and rebalancing — on your behalf.
Leading custodians
Assets held at Charles Schwab and Interactive Brokers — independent, regulated, and never commingled with the firm. You always control your accounts.
Adaptive optimization
Dated evidence and verified outcomes inform the next review. Proposed methodology improvements are tested and approved before they affect investment decisions.
Pure fiduciary
No commissions on your managed assets. No proprietary product placement. You pay one advisory fee, disclosed up front.
Three steps. No obligation.
Discovery call
A 15-minute conversation to learn about your goals, current allocation, and timeline. No pitch. No paperwork. Just a fit check.
Wealth strategy session
A deeper, hour-long working session. We build a draft strategy and show you exactly how the Stock Pro engine would manage your specific portfolio.
Onboarding
Open or transfer to your custodian (Schwab or Interactive Brokers), sign the advisory agreement, and the engine takes over from day one.
Bring your portfolio into the
modern era.
Whether you're deploying serious capital or sharpening your own edge — there's a Stock Pro path that fits. Start with a 15-minute call.