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. Is Yours?

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

What Is a Fiduciary?

Advisors may earn commissions, charge hourly, or charge based on assets under management (AUM). We are fee-only: no commissions, no conflicts. Our fees are competitive starting at 1.00% per year.
e.g. An account with an annual balance of $10,000 will cost only $100 for our services.

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

Retirement Income Planning: Tax Bracket Optimization

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

The Reality Behind Social Security: Sifting through Myths and Solutions

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.

Rolling a 401(k) Account into an IRA: Why You Shouldn’t Abandon Your Old Companies’ Retirement Plans

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

By looking at how your income, investments, and retirement savings are taxed, we find strategies to reduce your tax bill. That means more money working toward your goals i.e. retirement, buying a home, or leaving wealth for family.

A coordinated withdrawal strategy across IRAs, Roth accounts, and taxable brokerage accounts can lower your tax bill. We build plans that balance income needs with tax efficiency.

Retirement Income Planning: Tax Bracket Optimization

Yes, for current clients in need of tax preparation. Our on-site Tax Team works with advisors to complete Individual tax returns as well as quarterly tax estimates when necessary.

It depends on your goals, tax bracket, and employer match. We prioritize accounts based on tax efficiency and flexibility.
The 3 Questions to Ask to Build a Solid Retirement Income Plan.

We balance growth potential with protection against market downturns, tailoring your portfolio to your retirement timeline and income needs.

401(k) Investing Series: Analyze Your Company’s Investment Lineup with This Framework

Yes, Treasuries remain a cornerstone of stability, though interest rate shifts can affect returns. They still play a role in diversified portfolios.
When Everything Feels Risky, are U.S Treasuries Still The Answer?

It depends on your interest rate, cash flow, and comfort with debt. We weigh both the financial and emotional factors.

Paying Off Mortgage vs. Investing in Your 401(k)

Planning ahead for taxes, income changes, and estate transfers is essential. We help couples build plans that protect both partners.
How to Take Care of Your Spouse Financially If Something Happens to You

Trusts, 529 plans, and tax-efficient giving strategies can all work. The right approach depends on your estate and family goals.

Your Money Needs a Financial Plan: Here’s How to Build One That Works

Working with a fiduciary advisor locally means personal service and accountability. We understand Oregon and Washington tax laws and retirement needs.

Why Portland Area Executives Are Getting Hit at Tax Time and What To Do About It

We specialize in aligning investment withdrawals, Roth conversions, charitable strategies, and estate planning to reduce lifetime taxes.

Maximizing Your Retirement Income Through Smart RMD Planning

Yes! While most clients are in the Pacific Northwest, we serve families nationwide through secure virtual meetings.

Our mission is simple: faithfully serving the financial pursuits of all people. We combine fiduciary care, academic expertise, and genuine human connection.

Why Your Advisor Matters More Than Ever: The Real Value of Financial Advice