Justin knew what he wanted to be when he was a 12-year-old after besting students across New England in a stock market competition. That experience, as well as the extraordinary circumstances of his upbringing, guides his singular approach as a financial advisor.

Making Decisions

Before building a portfolio, Justin likes to ask his clients one question: “What makes your heart sing?”

It is only by knowing your passions that he can help you realize the life you want to live. That’s because some people want to put their investable assets towards life experiences while others want to minimize spending to leave the largest nest egg possible behind for their family. And your heart sings a different tune than that of everyone else.

A Passion for the Process

Justin prefers to think not just one step ahead, but 10. Not five years from now, but decades. This bigger-picture view can make a powerful difference in potential returns, as decisions made now could have long-lasting benefits.

Once he has a better understanding of what matters most to you, he creates and implements investment strategies that offer the highest probability of generating the results you desire.

These strategies are constantly-refined, customized and developed over many years. They involve in-depth reviews of financial filings and use Justin’s screening methods to find investment opportunities that meet his high standards while aligning with your risk tolerance. The core values vital to this process include discipline, courage and mastery with a goal of results.

Industry Recognition

Justin has received recognition from Forbes, most notably as a Best-in-State Wealth Advisor in 2021, a Next Gen Best-In-State Wealth Advisor in 2019, and was included as an America’s Next Gen Advisor in 2018.* Click here to view awards 

Away from the Office

Justin’s proudest accomplishment is being recognized as the YMCA Coach of the Year for the 2017 basketball season. Justin looks forward to quality time with his family, hiking, coaching, and he participates in competitive cycling.

Let’s Meet

Justin invites you to meet with him to discuss your finances to provide advice and investment strategies with the
intent of helping you realize the life you want to live.

CA Insurance License Number: 0191073; Resident State: OR

The Forbes Best-in-State Wealth Advisors* and The Forbes Top Next-Gen Wealth Advisors** rating algorithm is based on the previous year’s industry experience, interviews, compliance records, assets under management, revenue and other criteria by SHOOK Research, LLC, which does not receive compensation from the advisors or their firms in exchange for placement on a rating. Investment performance is not a criterion. Self-completed survey was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. Fee paid for use of logo.

<sub>The ranking algorithm is based on industry experience, interviews, compliance records, assets under management, revenue and other criteria by SHOOK Research, LLC, which does not receive compensation from the advisor or their firms in exchange for placement on a ranking. Investment performance is not a criterion.

2022 Five Star Wealth Manager (years 2012 to 2022)

• This award was issued on 04/01/2022 by Five Star Professional (FSP) for the time period 07/19/2021 through 01/21/2022. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. 855 Portland-area wealth managers were considered for the award; 86 (10% percent of candidates) were named 2022 Five Star Wealth Managers. Visit www.fivestarprofessional.com. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria.

Award issued on 05/01/2021 by Five Star Professional (FSP) for the time period 07/13/2020 through 01/22/2021. 900 Portland-area wealth managers were considered for the award; 96 (11% percent of candidates) were named Five Star Wealth Managers.

Award issued on 04/01/2020 by Five Star Professional (FSP) for the time period 06/01/2019 through 02/07/2020. 824 Portland-area wealth managers were considered for the award; 85 (10% percent of candidates) were named Five Star Wealth Managers.

Award issued on 04/01/2019 by Five Star Professional (FSP) for the time period 07/19/2018 through 02/11/2019. 848 Portland-area wealth managers were considered for the award; 100 (12% percent of candidates) were named Five Star Wealth Managers.

Award issued on 04/01/2018 by Five Star Professional (FSP) for the time period  07/21/2017 through 02/13/2018. 814 Portland-area wealth managers were considered for the award; 94 (12% percent of candidates) were named Five Star Wealth Managers.

Award issued on 04/01/2017 by Five Star Professional (FSP) for the time period 09/16/2015 through 02/12/2016. 811 Portland-area wealth managers were considered for the award; 223 (27% percent of candidates) were named Five Star Wealth Managers.

Award issued on 04/01/2015 by Five Star Professional (FSP) for the time period 09/16/2014 through 02/12/2015. 1107 Portland-area wealth managers were considered for the award; 224 (20% percent of candidates) were named Five Star Wealth Managers.

Award issued on 04/01/2014 by Five Star Professional (FSP) for the time period 09/16/2013 through 02/12/2014. 1558 Portland-area wealth managers were considered for the award; 190 (12% percent of candidates) were named Five Star Wealth Managers.

Award issued on 04/01/2013 by Five Star Professional (FSP) for the time period 09/16/2012 through 02/12/2013. 2551 Portland-area wealth managers were considered for the award; 330 (13% percent of candidates) were named Five Star Wealth Managers.

Award issued on 04/01/2012 by Five Star Professional (FSP) for the time period 09/16/2011 through 02/12/2012. 1454 Portland-area wealth managers were considered for the award; 260 (18% percent of candidates) were named Five Star Wealth Managers.</sub>

Scott’s journey in finances didn’t start with a love of dollars and cents. It began with a fondness for people.

After considering medical school, he decided to switch paths and help others in a different way: By understanding their goals and helping them be confident investors. That passion still burns bright, more than 45 years later. His longevity has taught him many things, but above all that money is a tool that enables different options and opportunities for his clients.

Serving Through Understanding

Some clients want to use their money as a tool to build a legacy of philanthropic giving. Others want to create a safety net that can last generations.

Those types of decisions are incredibly personal. This is why before the word “portfolio” is ever mentioned, Scott will sit down and have a one on one discussion revolving around what the word “money” means to you. This initial conversation is crucial.

It serves as the foundational understanding to better understand your objectives. In turn, it helps Scott serve you to the best of his ability by providing targeted financial advice and the knowledge you’ll need to make informed investment decisions.

A Process of Purpose, Planning and Patience

While Scott would never decide for his clients how they should spend their money, he knows the importance of giving wealth a purpose, making a plan for it, and most importantly: Being patient while that plan unfolds.

Life and circumstances can change, along with your objectives. That is why Scott prefers to have multiple touchpoints throughout the year to review not only your finances, but your life in general. These conversations generate the insights and mutual trust needed for genuine partnerships.

Scott’s knowledge places him in a select tier within Wells Fargo as a Private Wealth Financial Advisor. This recognizes his history of serving the specialized needs of high-net worth individuals, families and foundations.

Professional and Personable

Scott leads an active life outside of his office, resolving disputes between clients and firms as a FINRA arbitrator. He serves as a member of the Guardian/ Conservator Association of Oregon and the Estate Planning Council of Portland.

He also has a presence within his community, from building homes for Habitat for Humanity to rowing with the Willamette Rowing club. For fun, you’ll find him playing competitive SCRABBLE and juggling.

He and his wife live in Lake Oswego and are the proud parents of two adopted children.

CA Insurance License Number: 0A29272; Resident State: OR

Simply stated, Todd’s mission as a financial advisor is to help facilitate the life his clients want to live. This is an ongoing mission, and one he takes very seriously in fulfilling.

Above all, he wants his clients to feel more than comfortable about their financial future. He wants them to feel confident.

Faith. Family. Finances.

We all live by a personal hierarchy. Todd’s personal hierarchy is faith, family and finances. This approach to life not only influences the genuine devotion he brings to relationships, it also makes him mindful of the well-being of those around him.

His 25+ years in the financial industry position him well to offer tailored investing advice based solely on your objectives. And his real-world experience as a Navy pilot gives him a different perspective built on discipline.

Understanding Responsibility.

Knowing the Risks. Getting Results.

Those in the armed forces are responsible for the members of their squad. They go into every mission knowing the risks. Most importantly, they’re looking to provide results.

In Todd’s experience, the most important thing to identify is your goal—and doing what needs to be done right now to make sure you achieve your long-term objectives—all while controlling the risks involved.

This analogy also applies to protecting your family and its finances. You can expect Todd to provide level-headed thinking throughout the investment process and implement an investing strategy, one that you approve, that has the highest likelihood of succeeding.

Life’s Stages and Market Changes

Todd works with families of different life stages to make a comprehensive plan. To help you live the life you want, he uses his learnings of market performance to navigate potential downturns while positioning you for upside.

Actively Involved

Todd is happily married with four children. He and his family are prominent members of their church and participate in Young Life. You’ll also find them boating, salmon fishing, hiking and snow skiing near their home in Newberg, Oregon.

A Wealth of Opportunity

Todd welcomes the chance to meet with you, understand your specific situation, and provide the guidance you need to pursue your financial future with confidence.

CA Insurance License Number: 0H31604; Resident State: OR

Tracy’s interpersonal skills destined her to become the respected professional she is today. And for the last 22 years, she has been a go-to resource for her clients as a financial advisor.

It’s Not All About the Balance Sheet

A major component of growing assets is growing client conviction in the investment strategy tailored for them. That’s where Tracy really shines. Her communication skills have a special resonance that make clients feel at ease.

Part of that innate skillset is anticipating what probing questions you might have. Questions like “Where’s the research that went into this?” “What’s the downside risk?” “Where’s the contingency plan for a worst-case scenario?”

Some financial advisors might be disarmed if asked something so direct. Rest assured, Tracy will have the answers for you, all in easy-to-understand terms that will not only make you hopeful for the future, but excited for it to arrive. That’s how relationships are built.

Relationships Are the Focus

The first conversation clients have with Tracy doesn’t revolve around numbers at all, unless that number is how many kids you have, or your retirement date or anything else that makes you who you are.

The purpose of that first conversation is solely to learn about you and your priorities. Do you want to achieve wealth or to preserve it? Is your goal to live in the here and now or have plenty left over for charitable legacies?

Authentic Integrity

Tracy prides herself on being responsive to questions and concerns. More importantly, she holds herself to
 the highest standards by answering in a straightforward manner while putting the needs of her clients above her own, without fail.

Talk the Talk. Run the Run.

Free time is something hard to come by for Tracy as the mother of two adopted teenagers. When the opportunity presents itself, she laces up for a run around the trails in her hometown of Vancouver, Washington.

Want Honest Financial Advice?

Tracy welcomes the opportunity to listen to your circumstances to provide honest input and thoughtful strategies to help you create the financial future you want.

CA Insurance License Number: 4194505; Resident State: WA

David’s personality can be summed up in two words: “All in.” And you can expect him to take that same approach when he works with you, whether it’s analyzing market research to optimize your investments or simply getting to know more about you as a person.

Understanding Needs

David’s career began in the Armed Forces as a human intelligence collector. When he left the service, his skills followed him to the financial sector as a banker where he identified opportunities and services by interacting with clients to help them better their financial situation.

Soon after, he rose through the ranks to become a Financial Advisor and he believes his performance speaks for itself.

The Process to Solving Problems

Acquiring wealth comes with its own series of obstacles. Managing your wealth to the best of its potential is no different—and this is a challenge that David eagerly takes on with his all-in attitude.

David approaches wealth holistically and will look at your financial picture from every angle. This is because every decision made, every percentage allocated, leads to a ripple-effect in returns.

His all-encompassing portfolio design process takes into consideration market trends, economic factors—both macro and micro—as well as your personal risk tolerance.

Through thorough planning, realistic and reasonable expectations are set while providing your wealth with avenues of opportunity to pursue the goals you have identified.

Well-Rounded Knowledge

David holds the designation of a Retirement Income Certified Professional (RICP), meaning he has ample experience to modify your portfolio while providing imperative information to help you prepare for that stage of your life.

Driven Inside the Office (And Out)

David is a dedicated family man who can’t wait to explore new parks with his wife Lindsay and their two children, Chris and Elisa. You’ll also find him driving in auto cross groups or modifying his own ride.

Fully Committed

David welcomes the opportunity to learn more about your financial challenges and goals, as well as developing an all-in action plan to help make you confident about your future.

CA Insurance License Number: 4156480; Resident State: OR

CA Insurance License number: OM81967: Resident State: OR