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.
Anchor blog idea: “Why Fiduciary Advice Matters for Retirement.”

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

Advisors may earn commissions, charge hourly, or charge based on assets under management (AUM). We are fee-only: no commissions, no conflicts.

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

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

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.

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

It depends on your goals, tax bracket, and employer match. We prioritize accounts based on tax efficiency and flexibility.
Blog: “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.

Yes, Treasuries remain a cornerstone of stability, though interest rate shifts can affect returns. They still play a role in diversified portfolios.
Blog: “When Everything Feels Risky, What Still Works.”

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

Planning ahead for taxes, income changes, and estate transfers is essential. We help couples build plans that protect both partners.
Blog: “Planning for the Surviving Spouse.”

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

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

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

Yes. While most clients are in the 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.