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JOHN THOMAS

MSFS, CLU, ChFC, CFP®

John grew up in Springfield, Oregon; a town known for timber and sawmills. His early work history was mowing lawns, picking beans, having a paper route, and working as a busboy for $1.06 an hour! And yes, he also spent a summer working in the woods. These jobs instilled a work ethic and also a desire for higher education.

John graduated from Willamette University and after his military duty, went to work for Weyerhaeuser Company as a supervisor. During this time, he also pursued graduate studies at the University of Oregon. During those years, John gained perspective and developed an interest in a career in financial services where he began his career in February of 1973.

As John's career progressed, he found time to complete his graduate degree in financial services along with several professional designations he felt were important to distinguish himself within his peer group. Continuing education has always been important.

In serving the community, John has chaired a Hospital Board, a country planning commission board, been the president of a chamber of commerce and been appointed by two Governors of the State of Oregon to chair commissions and boards within the state. He also has served on many professional boards for financial services as well as in numerous leadership positions in MDRT, an international association of financial professionals.

John enjoys activities such as skiing, scuba diving, and international travel. John's particular passion is in his photography.

John and Lorraine are proud grandparents and proud sons and daughters of a 97-year-old mother.

 

MISSION

Our mission is to help you navigate, one step at a time, a pathway which will lead to a desired financial outcome for savings, debt reduction, and retirement strategies.


Services

INDIVIDUAL RETIREMENT COACHING

  • How to determine income needs and sustainability
  • How to convert assets to income
  • What age can you realistically retire based on current assets?
  • How to best plan for beneficiary provisions for 401(k) and Defined Benefit Plans
  • How to understand PERS (Oregon Public Employees Retirement System) and choose benefit options
  • Review of accumulation strategies if shortfalls exists is meeting retirement goals. Strategies only – no investment management

LIFE INSURANCE AND ANNUITIES ANALYSIS

  • Suitability
  • Company comparisons
  • Contract comparisons
  • Types of coverage analysis
  • Reality vs. rhetoric – how to understand the jargon
  • Beneficiary planning and how to coordinate with wills & trusts

RESOURCE FOR ATTORNEYS & CPAs

John takes on a collaborative approach to coordinating your financial life with your financial partners including your CPA and attorney.

  • Estate liquidity and beneficiary planning
  • Due diligence and review of existing trust and personally held insurance contracts
  • Review of insurance proposals as submitted by outside brokers
  • Reports made to advisor only

On the Blog

PART ONE OF IRA BENEFICIARY PLANNING

 Financial Institutions, Insurance & Retirement Planning

At the death of an IRA holder, the beneficiary has two options; one involves a spousal roll-over, if there is indeed a spouse; the other would be for non-spouse beneficiaries.