A Fresh Take on
Financial Planning

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Why Us

Okay, you earn a good living and spend less than you make. You know you could be doing more with your finances, but you don’t have time to figure out where to start. Let us help.

Life is full of twists and turns—some planned, some unplanned. Both can be fun and challenging, but it can be tough to have a financial plan for every curveball life throws your way. Whether it’s a job change, a relocation, a change in family situation, or you just need a change—we’re here to help you think through it and be smarter with your money.

Why do people pay us? Because they find value in making the most of opportunities available to them—like exploring questions they hadn’t thought to ask, understanding how things like tax law changes apply to them, and just making progress on a growing to-do list. We can’t all be experts in everything, so let us help you with what we do best. 

Middleton Team Meeting

Advantages

Fee-Only

We do not earn commissions or any referral fees for the services we provide. Our fees are simple, transparent, and not dependent on any product sales.

Fiduciary Duty

Our clients’ interests always come first—and not just because of legalities and ethics, but because we genuinely care. We will tell you if we think there is a better option for you.

Big Picture Perspective

Our planning goes way beyond investments. And we realize money isn’t everything—it’s just a tool. We take time to learn about your values so we can match your finances to what matters most to you.

Independent and Family-Owned

We are lucky enough to work with clients we truly like and do the work we love. We like to consider our clients as part of our extended family.

Respect You As The Expert On Your Own Life

Our job is to ask good questions and help you focus on the most important things at the right time. We are your partners in building out your action plan and helping you get where you want to go.

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Services

Our service offerings focus on long-
term relationships with our clients.

We specialize in helping you establish healthy financial habits that build a strong financial foundation. Our strategies help you achieve your goals, not chase market returns. All ongoing client engagements start with a collaborative financial plan. This is your life and your financial future. We give you a chance to think big about what you really want, then we help you break it down into actionable steps. As financial decisions come up, we go back to the plan and compare options and review the impact with you.

Foundational Financial Planning

Ideal for households with savings and excess income who want guidance and accountability as they work towards their financial goals.

$1,500 upfront fee, then $200/month ongoing.

Offerings

  • Financial plan to see your whole financial picture in one place
  • Clarity on which strategies and action steps are applicable to you regarding:
    • Prioritizing financial goals
    • Tax-efficient savings and investment strategies
    • Asset allocation across accounts
    • Basic review of employer benefits
    • Estate planning and insurance essentials
  • Semi-annual check-ins, and ongoing education and accountability

Investment Advisory Service

Ideal for households with $250,000 or more to invest who want more than foundational financial planning; they want help implementing strategies and managing their investment portfolio within the context of their financial goals.

Tiered fee structure based on assets under management – 0.85% – 1.5%.

Offerings

  • Financial plan to see your whole financial picture in one place
  • Implementation of tax-efficient savings and withdrawal strategies across your investment accounts
  • Management of non-employer investment accounts, and recommendations on employer retirement plan investments
  • Basic advice on related financial decisions, including major purchases, insurance coverage, charitable giving, and estate planning considerations
  • Social Security benefit analysis
  • Annual meeting to review your financial plan and investment portfolio

Investment Advisory Service

Ideal for households with $250,000 or more to invest who want more than foundational financial planning; they want help implementing strategies and managing their investment portfolio within the context of their financial goals.

Tiered fee structure based on assets under management – 0.85% – 1.5%.

Offerings

  • Financial plan to see your whole financial picture in one place
  • Implementation of tax-efficient savings and withdrawal strategies across your investment accounts
  • Management of non-employer investment accounts, and recommendations on employer retirement plan investments
  • Basic advice on related financial decisions, including major purchases, insurance coverage, charitable giving, and estate planning considerations
  • Social Security benefit analysis
  • Annual meeting to review your financial plan and investment portfolio

Project-Based Engagements

Ideal for clients who want to test out what it’s like to work with us, but neither of the other service offerings fits quite yet.

Project fees are quoted upfront so there are no surprises – based on a $250/hour rate.

Offerings

  • One-time financial plan creation and analysis
  • Review of employer retirement plan asset allocation and investment selection
  • Social Security benefits analysis
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Team

We’re proud of our professional designations, but there’s more to us than that. Way more.

Kailie Abascal

CFP®

Kailie is equal parts diligent planner and spunky go-getter. She’s also a bit of a world traveler, having studied abroad in Cuba and then living three years in Mexico. Kailie loves helping clients think creatively about their plans and is always up to grab a drink or go on an outing, if that’s where you’d rather talk finances.

What you should really know about Kailie:

Her preferred outfit is Birkenstocks and yoga pants, all the better if she’s wearing this while digging in her amazing garden alongside her two monster-size dogs.

Taylor Anderson

CFP®

Taylor may appear to be the quiet one – don’t be fooled. She’s known to make unanticipated witty comments and connect ideas that haven’t been thought of. If she’s not touting her love of non-linear career paths, she’s working on making financial concepts visual and understandable for her clients.

What you should really know about Taylor:

She took two and a half years off from her career to join the Peace Corps and then travelled around Southeast Asia. Now she satisfies her travel itch by backpacking, backcountry skiing, and running relays around the Northwest.

George Middleton

CFA®, CPA

George has extensive experience in… lots of things. He comes alive when he gets to explain investment fundamentals, and he loves telling stories about his previous roles as NASA intern, computer programmer, company controller, and home builder. He’s also just an absolute pleasure to work with.

What you should really know about George:

He’s always on the lookout to join in on a tennis game around town. He’s also a seasoned Viking cruise passenger, and enjoys the smaller things that come with travel, like helping a 10-year old boy practice his English on the street in Vietnam.

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FAQs

What to Expect, Fee Structure, and Our Philosophies

It’s a good time when:

  • You are interested in knowing how you’re tracking against your goals (or you don’t even know what your goals are!).
  • You think you should know about your own finances, but you realize that you still have basic questions.
  • You want to have a good conversation about finances with your spouse or partner and don’t know how to bring it up.
  • You are worried you don’t know some of the common financial pitfalls to avoid.
  • You just need someone to keep you accountable.

Email is ideal. Believe it or not, we often don’t answer the phone—we spend a lot of our time doing deep thinking. We prefer listening to voicemails and preparing a thoughtful response before taking your time.

For meetings, we typically meet in person at our office or face-to-face in virtual meetings. Don’t want to fight traffic or look for parking? Want to be able to watch your baby play on her blanket, let your dog out when needed, or be available to sign for an Amazon delivery? Virtual meetings are right for you!

In general, we are very informal. We love to know when you just came from a tough day at work, that you’re heading to the gym after our meeting, or that you’re struggling to decide what color to paint your living room. Feel free to let your hair down, put your feet up, and get real with us. It helps us help you.

Foundational Financial Planning

$1,500 upfront fee, then $200/month ongoing.

Investment Advisory Service

Tiered fee structure based on assets under management.

Account ValueAnnual Advisory Fee
$0 – $100,0001.5%
$100,001 – $500,0001.25%
$500,001 – $1,000,0001.00%
$1,000,001 – $3,000,0000.85%
$3,000,001 and AboveNegotiable


Project-Based Engagements

Project quotes are provided before work is started—Based on a $250/hour rate

  • One-time financial plan projects typically range from $2,500-$4,000.
  • Review of employer retirement plans and Social Security analysis projects typically range from $500-$1,500.

Click here to schedule a phone call, in-person meeting, or video chat. Looking forward to hearing from you!

The short answer is no.

Our experience has shown us that even simple situations have unexpected complexities. Our goal is to investigate the things that may not be obvious. Without context, continued validation of underlying assumptions, accountability or support for implementation of action steps, and understanding potential alternatives, it’s hard to give good recommendations. And it’s not helpful to give you pages and pages of small printed disclosures that caveat all our assumptions.

So instead we recommend doing a full, one-time financial plan, which may include asking follow-up questions or requesting more documentation to build out a plan that you can work with beyond the end of our time working together.

Overall, we are committed to doing quality work, which means we like to do it from beginning to end.

Our philosophy is based on the following principles:

  • Investments are just a part of the bigger picture. Your goals are the target to measure success against.
  • The market will do what it does. We take a long-term view on investments and help you focus on what you can control.
  • Diversification—a risk-appropriate asset allocation—and relatively low fees are how we build out investment strategies for our clients.
  • Our client portfolios are primarily invested in mutual funds and exchange traded funds (ETFs).

Our philosophy is based on the following principles:

  • We recognize that you are the expert on your own life and your own values. That means we won’t question your budget or judge your priorities, we’ll just help you figure out how to make it all work.
  • Most things in personal finance are important, not urgent. Our goal is to help you focus your attention on the most important 1-2 next steps.
  • We are committed to educating you on general financial concepts and how they apply to you—save the Google searching for another question you have.
  • Doing our job well means asking good questions at the right time.
  • Money isn’t everything. We balance personal finance with job satisfaction, goal achievement, and overall life enjoyment.

Your financial plan is intended to provide a long-term view of your financial trajectory, with your goals as the benchmark of success.

We take short-term decisions outside of the plan to analyze pros, cons, and alternatives. And then we bring them back into the long-term plan to see how your decision impacts the bigger picture.

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Community

Community to us means getting involved and giving back.

Vancouver, WA is our home. Come find us on boards and committees of various organizations, or just enjoying a brew or two to support a local fundraising event. We also commit a portion of our annual budget to philanthropic giving, and are thrilled when we can help our clients integrate giving—whether it’s time or money—into their planning. Let us know what you care about, and keep us posted on cool things happening around town. We love supporting a good cause!

Esther Short Park, Vancouver, WA
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Associations

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Contact

Not sure if it’s the right time to schedule a meeting? Just want to get in touch? Send us a message and let us know what’s on your mind!

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