Aegis Financial Advisory, LLC

CLIENT-CENTERED PLANNING FOR LIFE ℠

Financial planner in Lake Oswego, OR (show on map)

Fee-only fiduciary financial planner in Portland OR and San Francisco Bay Area specializing in retirement planning for pre-retiree and retiree couples.

Call (503) 290-1089

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About

Aegis Financial Advisory, founded by Joseph Alfonso, is a fee-only fiduciary Registered Investment Adviser serving clients in California and Oregon. The firm specializes in retirement planning, Social Security claiming strategies, tax planning, and investment management using a passive, asset-class-based approach.

They are committed to ongoing client engagement, comprehensive financial planning, and acting as trusted fiduciaries. The firm's mission is to help clients identify life goals and overcome obstacles to achieve financial independence and a secure retirement.

Fee-only fiduciary with no commissions or product sales

Flat annual fee based on net worth (starting at $6,000)

Ongoing engagement with annual fee including all services

DFA Approved Advisor using passive, evidence-based investment strategy

Certified tax professional (Enrolled Agent) for tax-aware planning

Specialization in Social Security and retirement income for couples

Two office locations in Cupertino, CA and Lake Oswego, OR

Member of NAPFA and signatory to Committee for Fiduciary Standard Oath

Services

Comprehensive Financial Planning

Manage the various areas of your financial life that are within your control while making sure all the pieces fit together.

All-inclusive approach Ongoing engagement Tax planning Goal-based strategy

Social Security Planning

Maximize your lifetime Social Security income by making good claiming decisions. Included in Financial Planning or offered as a standalone service.

Standalone or bundled service Maximizes lifetime income Claiming strategy

Investment Management

Implement a prudent investment strategy that reflects your goals, takes on no more risk than necessary and is cost effective and tax efficient.

Passive asset-class strategy DFA approved advisor No-load mutual funds Tax-efficient Low turnover

Tax Planning and Preparation

Highly qualified in personal income tax preparation and planning. Work with you to identify tax-saving approaches throughout the year.

Tax-aware planning Year-round strategy Minimize taxation of retirement distributions Enrolled Agent representation

Retirement Planning

Achieve financial security and peace of mind knowing you will have enough money, even when the unexpected happens.

Sustainable income strategy Social Security integration Risk management Financial independence focus

Education Planning

Help families of any income level effectively save for future college costs by identifying the right mix of funding alternatives.

529 plans Funding strategy Cost management

Credentials & Certifications

CERTIFIED FINANCIAL PLANNER® (CFP®)

Chartered Financial Consultant (ChFC®)

Enrolled Agent (EA)

Retirement Income Certified Professional (RICP®)

Registered Social Security Analyst (RSSA®)

Tax Planning & Compliance Professional (TPCP®)

Dimensional Fund Advisors (DFA) Approved Advisor

Member of NAPFA (National Association of Personal Financial Advisors)

Committee for Fiduciary Standard Oath Signatory

Registered Investment Adviser in California and Oregon

Frequently Asked Questions

Do I need to have a minimum amount of investment assets to become a client? +

No, we do not have investment asset minimums. We charge a flat annual fee based on net worth starting at $6,000, fixed for up to 2 years at a time.

What does your annual fee include? +

Our annual fee includes all initial and ongoing financial planning and investment management services. Tax planning and preparation is also included.

Do you offer an introductory meeting? +

Yes. After an initial complimentary phone discussion, we meet with you to clearly lay out what an on-going engagement entails, including the annual fee.

Can I receive services on an hourly basis? +

We provide customized Social Security planning services at $250 per hour. On-going comprehensive financial planning services are offered solely on a flat annual fee basis. We credit the fee for Social Security planning against the first year annual fee for Social Security planning clients who become on-going clients.

Can you just manage my investments? +

We believe that we cannot properly manage client assets in isolation and that investment management needs to be performed as part of a comprehensive on-going financial planning engagement.

What information will you need to prepare for the introductory meeting? +

We will have you complete a questionnaire and provide some additional information. All information received is treated in strict confidence.

I see that you have two offices. Do you see clients in both locations? +

Yes. We have offices in Cupertino, CA and Lake Oswego, OR and see clients at each location. We are a Registered Investment Advisor in California and Oregon licensed to provide services in both states.

What is a CERTIFIED FINANCIAL PLANNER™ professional? +

The CFP® designation is the most widely recognized designation for financial planning professionals. It requires completing an approved course of study, passing a comprehensive exam, completing an experience requirement, passing a background check, and agreeing to abide by a strict Code of Ethics. Ongoing certification requires continued adherence to the Code of Ethics and bi-annual continuing education.