Human Investing

Fiduciary Financial Advisors | Wealth Management

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

5.0

★★★★★

16 reviews

Independent fiduciary financial advisory firm offering wealth management, financial planning, and workplace retirement advisory services.

Call (503) 905-3100

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About

Human Investing, LLC is an independent financial advisory firm founded in 2004, serving clients in the Pacific Northwest. As a 100% fiduciary and fee-only firm, we provide comprehensive financial planning, wealth management, tax planning, asset growth strategies, retirement planning, and workplace advisory services.

We manage over $2.2 billion in assets and partner with major companies including Nike. Our team of credentialed professionals includes CFP®, CPA, and ChFC designations. We are registered with the SEC as an Investment Adviser.

100% fiduciary and fee-only - no commissions

Independent since 2004

Team of credentialed experts (CFP®, CPA, ChFC, CLU)

Manages over $2.2 billion in assets

Specialized Nike executive financial planning

Integrated tax planning as part of financial planning

No sales targets or proprietary products

Services

Financial Planning for Individuals and Families

Comprehensive financial planning covering estate, insurance, retirement, corporate benefits, and taxes.

Integrated tax planning Retirement strategy Estate planning Insurance review Benefit elections optimization

Wealth Advisory

Wealth management and investment advisory services with a unified team of credentialed experts.

Low-cost investment strategies Allocation recommendations based on cash flow Private and alternative investment evaluation Asset growth monitoring

Private Wealth Advisory

Premium wealth advisory services for high-net-worth individuals and Nike executives.

Integrated financial planning Executive benefit planning Estate and tax planning Direct access to credentialed team

Workplace Advisory for Retirement Planning

Work with companies to provide retirement plan offerings, employee education, and compliance support.

401(k) plan management Employee education Compliance support Plan sponsor services

Tax Planning and Preparation

Comprehensive tax planning including bracket planning, loss/gain harvesting, and deferred compensation distribution.

Tax bracket planning Tax loss/gain harvesting Withholding assessment Deferred compensation distribution Charitable giving strategy

Nike Executive Financial Planning

Specialized financial planning services for Nike employees and executives, maximizing benefit elections and wealth growth.

Benefit election optimization Stock option exercise guidance 401(k) and Mega Backdoor Roth strategy Deferred Compensation Plan integration RSU/NSO/ESPP tax optimization Salary and benefits negotiation

Credentials & Certifications

SEC Registered Investment Adviser

Since 2004

CERTIFIED FINANCIAL PLANNER™ (CFP®)

Certified Public Accountant (CPA)

Chartered Financial Consultant (ChFC®)

Chartered Life Underwriter (CLU®)

Certified Public Accountant (CPAA)

Reviews

Rating

★★★★★

Reviews

"Their team is always available, professional and knowledgeable."

Frequently Asked Questions

What does it mean to work with a fiduciary financial advisor? +

A fiduciary is legally obligated to put your best interests first. At Human Investing, we are 100% fiduciary and fee-only, meaning we do not earn commissions. Only 4.92% of Advisors Are True Fiduciaries.

How is a fiduciary different from a broker? +

Brokers can recommend products that pay them commissions. Fiduciaries, like Human Investing, are bound to act solely in your best interest, free from sales incentives.

How do financial advisors get paid? +

Advisors may earn commissions, charge hourly, or charge based on assets under management (AUM). Human Investing is fee-only: no commissions, no conflicts. Our fees are competitive starting at 1.00% per year.

Should I do a Roth conversion? +

Roth conversions can reduce lifetime taxes, but the timing matters. We evaluate your income, tax brackets, and future goals before recommending one.

When should I start taking Social Security? +

The right age depends on your health, income, and retirement plan. We run custom analyses to maximize benefits while managing taxes.

What is a 401(k) rollover? +

A 401(k) rollover is when you move money from a former employer's retirement plan into an IRA or a new employer's plan. Doing a rollover keeps your savings tax-deferred, avoids penalties, and gives you more control over how your money is invested.

How can a financial advisor help with tax planning? +

We integrate tax strategies into your financial plan from Roth conversions to charitable giving to help you keep more of what you earn.

What are the fees for Human Investing's services? +

Human Investing is fee-only with no commissions. Fees start at 1.00% per year on assets under management, with a graduated fee schedule for larger accounts.