retzlaff wealth management | retirement income planning | portland

Fiduciary financial advisors specializing in growth and income portfolios for retirement

Financial planner in Beaverton, OR (show on map)

Independent financial advisory firm focused on retirement income, wealth management, and fiduciary investment advice.

About

Retzlaff Wealth Management (RWM) is an independently owned and operated financial advisory firm with oversight, compliance, and custodial services provided by LPL Financial LLC. The firm operates under a fiduciary standard, putting client interests first at all times.

RWM specializes in creating personalized portfolios focused on growth, dividend growth, and income, with an emphasis on tax efficiency. The firm offers a three-step process: Setup, Strategize, and Execute, and provides services across retirement planning, wealth management, peak-career wealth building, and estate strategy. RWM has direct access to LPL's independent experts in investment research, financial planning, institutional compliance, and quality control.

Fiduciary standard (client interests first, not suitability standard)

Independently owned and operated

Institutional-level investment management accessible to individual clients

Customized, non-one-size-fits-all approach

Direct access to LPL's independent experts in research, compliance, and financial planning

Focus on income-producing securities and growing income streams to combat inflation

Services

Institutional Level Investment Management

Sophisticated, transparent asset management services using institutional-grade tools and strategies, including actively managed portfolios with all available securities types.

Actively managed portfolios All types of securities Tax efficiency emphasis Risk-adjusted asset classes Fundamental and quantitative analysis

Retirement Income Planning

Specialized planning for retirement income needs, focusing on income-producing securities and strategies to preserve capital while generating consistent income.

Income-producing securities selection Inflation-adjusted income streams Capital preservation focus Customized income plans Volatility management

Wealth Management

Comprehensive portfolio construction and risk management services for wealth-building and preservation across all life phases.

Portfolio construction Risk management Life-phase strategies Customized approach

Estate Strategy

Strategies for managing and transferring wealth at every phase of life, including retirement and legacy planning.

Multi-phase life strategies Wealth transfer planning Legacy considerations

Credentials & Certifications

Series 7 License

Series 66 License

LPL Financial Registered Representative

Cross Financial Advisors Registered Investment Advisor

Frequently Asked Questions

Why is Retzlaff Wealth Management different from other financial advisors? +

RWM operates under a fiduciary standard (not a suitability standard), meaning they put the client's interests first at all times. They are independently owned and do not answer to corporate management structures or shareholder profit motives.

What is the firm's approach to retirement income? +

RWM focuses on income-producing securities and building portfolios that generate consistent, growing income to keep up with inflation, rather than relying solely on stock market capital appreciation.

Does the firm only serve ultra-wealthy clients? +

No. Institutional-level investment management is not just for the ultra-wealthy. RWM believes individuals who have worked hard and earned their money deserve similarly sophisticated asset management services.

What is the firm's three-step process for working with clients? +

Step 1: Setup — learn about the client's finances and goals. Step 2: Strategize — map out a financial strategy based on goals, time horizon, and risk tolerance. Step 3: Execute — keep the financial blueprint on track through life changes and market volatility.

What securities licenses does the firm hold? +

The firm and its representatives hold Series 7 and Series 66 licenses through LPL Financial.

What states does the firm serve? +

The LPL Financial representative associated with this website may discuss and transact securities business only with residents of Oregon, Washington, California, Arizona, Florida, Kentucky, New York, and Texas.

Is the firm's investment advice tailored to each client? +

Yes. RWM does not use a one-size-fits-all approach. All work with clients is customized to meet their specific needs, goals, and risk tolerance.

What types of clients does the firm serve? +

RWM serves retirees and pre-retirees, small business owners, working professionals, and women, with tailored approaches for each group's unique financial needs.