Making sure you have enough when you've had enough.
Financial consultant in Lake Oswego, OR (show on map)
Fee-only financial advisor in Lake Oswego, Oregon, providing portfolio management and personalized financial planning for pre-retirees, retirees, and self-managed investors.
Eugenio Financial is a fee-only financial advisor based in Lake Oswego, Oregon, founded in 1990 by Michael Eugenio, a CERTIFIED FINANCIAL PLANNER™. The firm is licensed in Oregon and Washington and serves pre-retirees 50+, retirees, and people who have self-managed their investments. T
heir services include Portfolio Management, Personal Financial Planning, Social Security Analysis, and Estate Planning. They follow the Six Disciplines of a Good Financial Plan: Cash Flow, Tax Planning, Estate Planning, Retirement Planning, Insurance Planning, and Portfolio Management. As a fee-only firm, they earn fees from assets under management rather than commissions, ensuring their interests are aligned with clients' objectives. Their investment approach is long-term, consultative, and focused on steady, consistent growth through diversified asset allocation.
Fee-only advisor with no commissions - interests aligned with clients
One-to-one personal service - you work directly with Michael Eugenio
CERTIFIED FINANCIAL PLANNER™ credential
Over 25 years of experience (since 1990)
Consultative, comprehensive approach centered on trust
Long-term, disciplined investment philosophy
Asset-based management fee structure directly linked to performance
Services
Portfolio Management
Common-sense, steady, long-term strategy with diversified investments across stocks, bonds, real estate, and commodities. Risk-managed approach with asset-based management fees.
Comprehensive financial planning and money management customized to fit individual goals and flexible to adapt to changes in life.
Customized financial roadmapsOngoing personal relationshipTrust-based consultative approachSix Disciplines framework
Social Security Analysis
Analysis of Social Security income options as part of comprehensive retirement planning.
Social Security income optimizationRetirement planning integrationTax-efficient strategies
Estate Planning
Estate planning services to help preserve and transfer wealth according to client wishes.
Wealth preservationAsset transfer planningTax-efficient estate strategies
Credentials & Certifications
CERTIFIED FINANCIAL PLANNER™ (CFP®)
Since 1990
Frequently Asked Questions
How is your firm compensated? +
Eugenio Financial is fee-only advisor, which means we earn a fee from clients for the assets under management, not for the investments we recommend. We do not receive any commissions from transactions from any financial services companies.
What is a fiduciary duty? +
Allegiance to a Fiduciary responsibility means always putting the clients best interest above all others. It means protecting the client from financial harm by doing proper due diligence and making decisions on behalf of the client that will promote their financial wellness.
What does a CFP® credential mean? +
A CFP® is a Certified Financial Planner. An advisor certified as a CFP has gone through a rigorous educational program and passed a 2-day comprehensive exam. They are held to the highest Fiduciary Standards and must complete 30 hours of continuing education every two years.
What is your investment approach? +
Eugenio Financial believes in a long-term approach with the goal of achieving steady, consistent growth. Building portfolios is about asset allocation and discipline, not picking winners or reacting to daily news. The goal is to control risk and achieve reasonable returns.
How does the relationship work? +
The relationship is a participatory one based on trust and cooperation. Regular communication is key. When you hire Michael Eugenio, you work directly with him - nothing is farmed out to associates or money managers.
How often do I get reports, updates? +
Interaction frequency depends on the amount of work needed, typically ranging from a couple times a year to once a month. Portfolios can be accessed through their secure website 24/7/365.
Who will I work with? +
You work directly with Michael Eugenio. Your portfolios are custom built based on your goals, tolerance for risk, and your relationship. Nothing is farmed out to associates or pooled with other clients.
What is your client mix? +
They serve pre-retirees 50+, retirees, and people who have self-managed their investments and now see a need for an advisor.
