Unlocking Your Dream Home: Expert Tips on Securing a Mortgage in Retirement with Per Moerkeseth

Understanding your mortgage options in retirement is paramount to ensuring financial security and peace of mind during your golden years. As retirees transition from the workforce into a fixed income, careful consideration of their housing expenses becomes imperative. Here’s why understanding mortgage options in retirement is crucial:

1.      Financial Stability: Retirement typically entails a shift from a regular salary to pension funds, investments, and social security benefits. Knowing your mortgage options allows retirees to align their housing expenses with their post-retirement income streams. This ensures that mortgage payments remain manageable and don’t strain their finances.

2.      Tailored Solutions: Retirees often have unique financial situations, including assets such as retirement accounts, investments, and real estate. Understanding mortgage options enables retirees to explore tailored solutions that leverage these assets. This customization ensures that retirees can maximize their financial resources while meeting their housing needs.

3.      Mitigating Risks: With retirement comes the potential for unexpected expenses, such as healthcare costs or home repairs. By understanding mortgage options, retirees can choose products that offer flexibility and protection against financial risks.

4.      Long-Term Planning: Retirement is a time to focus on long-term financial planning and asset management. Understanding mortgage options allows retirees to strategically plan for their housing needs over the long term. Whether it’s paying off the mortgage early, refinancing to lower interest rates, or downsizing a home, having a clear understanding of mortgage options empowers retirees to make informed decisions that support their financial goals.

In conclusion, understanding mortgage options in retirement is crucial for maintaining financial stability, tailoring solutions to individual needs, mitigating risks, and planning for the long term. By taking the time to explore and comprehend various mortgage products, retirees can ensure that their housing expenses align with their financial circumstances, allowing them to enjoy a comfortable and worry-free retirement.

 ***The above is for education purposes only and should not be considered a recommendation. Please consult with a professional before entering a course of action***

Back to College-Building Your Dream Team: Lawyers, Accountants, and Partnerships for Financial Success

In the intricate web of personal finance, having a dedicated team comprising a lawyer, accountant, and financial advisor is a strategic move toward achieving long-term financial success. These professionals play distinct yet interconnected roles that, when harmonized, create a robust foundation for navigating the complexities of wealth management.

A skilled lawyer is essential to ensure your legal affairs are in order. They can provide guidance on wills, trusts, and estate planning, shielding your assets and ensuring a smooth transfer of wealth to future generations. A lawyer is also crucial in navigating complex legal issues, protecting you from unforeseen legal challenges.

An accountant brings precision to your financial landscape. From managing tax implications to optimizing your financial structure, their expertise is invaluable. An accountant can identify opportunities for tax savings, budgeting strategies, and financial efficiencies, ultimately maximizing your wealth.

A financial advisor acts as the captain of your financial ship, steering it toward your goals. They assess your risk tolerance, create personalized investment strategies, and guide you through market fluctuations. Their holistic approach ensures that your financial plan aligns with your life goals and adapts to changing circumstances.

The synergy among these professionals creates a powerful financial ecosystem. They collaborate to provide comprehensive insights, anticipate potential challenges, and craft resilient financial plans. Assembling a personal financial team isn’t just a luxury for the affluent; it’s a strategic investment in your financial well-being, providing peace of mind and a roadmap for building and preserving wealth over time.

 ***The above is for education purposes only and should not be considered a recommendation. Please consult with a professional before entering a course of action***

Back to College- Financial Literacy ep.1

Dean, an accomplished finance professional, embarked on a new chapter as an educator, bringing his wealth of practical knowledge to the University of Washington Tacoma campus. In this dynamic Financial Principles class, Dean engages students with real-world examples, bridging the gap between theory and application. The video provides an insightful glimpse into Dean’s teaching philosophy, highlighting his passion for empowering students with essential financial skills.

As a seasoned practitioner in the financial industry, Dean enriches the learning experience with relevant case studies and industry insights. His commitment to fostering a supportive learning environment shines through as he encourages critical thinking and active participation. The University of Washington Tacoma campus becomes a hub of financial education under Dean’s guidance, where students not only grasp fundamental principles but also gain valuable perspectives for navigating the complexities of the financial landscape. Watch the video to witness the transformational impact of Dean’s teaching on aspiring financial minds.

Efficient Charitable Donations- Wealth Insights #3


What is the best way to donate to a non-profit? We use strategies to increase tax efficiency and get more funds to those who need them. This enables our clients to be more purposeful in their donations so they can make an impact to the causes that are important to them.

How To Prepare for Change- Wealth Insights #2

How do I financially prepare for the death of a parent?

How do I retire from my job?

What are the risks I face as I build wealth?


Life is full of change. We help client navigator difficult times, so they can focus on the things that matter most to them.

Our Most Important Work

You’ve kept us extra busy these days, working with people you’ve sent who are going through transitions right now. It’s been a reminder that we don’t always pick the time when retirement savings are needed to fund the next chapter, when a death turns someone who is married into a survivor, or when a job change cascades through our other plans and planning.

An uncertain economy and volatile markets compound these tasks. We so appreciate your confidence in suggesting to people you care about that they talk to us, when they need to. These transitions are key, important times – we respect the time and attention people need in sorting through the issues. This may be our most important work, and you help us be there for people who need it. Thank you again.

We are equally grateful for the chance to talk to so many of you! As market uncertainty continues, it becomes invaluable for us to understand your priorities, goals, and concerns. While we never try and time the market, many of you have inquired whether this is a buying opportunity or if market downturns are jeopardizing the things that matter most to you. Keep those calls coming! We will review our strategy together and make sure we are taking appropriate steps for your future.  

Our investment philosophy is built on 2 pillars. 1) Only take appropriate risks and 2) Buy high quality companies and investments. This approach has a history of building wealth over time and in a variety of market cycles.

We continue to believe in this philosophy even amid the global economic and geopolitical uncertainty. We are encouraged that the core domestic economy is still quite stable. Additionally, the economy is expected to grow in the latter part of this year after a surprise contraction in the first quarter, though the growth path may be bumpy as monetary policy is recalibrated from exceedingly loose to moderately tight and consumers and businesses adjust to higher borrowing costs.


We believe patient investors stand a better chance of meeting their long-term goals. No one has a crystal ball, but at lower valuations, history suggests the chances of above-average returns going forward may be rising. It’s tough to do during times like this, but we encourage long term investors to stick to their game plan.

Stocks’ Road Ahead

The calendar had barely flipped to 2022 and investors were reminded that even attractive long-term stock returns come with a cost: volatility. The S&P 500 Index fell nearly 10% from January 3 through January 27 amid fears that the Federal Reserve (Fed) will have to get a lot more aggressive to fight inflation, before staging a 4% rally over the last two days of the month to end January down 5%. After such a steady march higher in 2021, the dip may have caught some investors off guard.

For those whose anxiety levels may have risen a bit last week, here are some numbers that may provide reassurance:

  • Even in positive years for the S&P 500, on average the index experiences a maximum peak-to-trough decline of 11%. This year’s max drawdown is now 9.8%.
  • After a correction of 10-15%, the index has experienced an average one-year gain off the lows of 22% and has risen in 12 of the 13 one-year periods.
  • The average stock market gain one year after the first Fed rate hike of an economic cycle has been 11%, with gains the past eight cycles dating back to 1983.
  • When investor sentiment is most negative, as it was during the past two weeks based on the American Association of Individual Investors (AAII) investor sentiment survey, stocks have risen an average of 11% in the next year.

This data argues that stock investors should stay the course. But remember that gains in 2022 will likely be tougher to come by than in 2021. They may be more modest and happen later in the year, as is typical during midterm election years.

The good news is that an inflation peak may be near as the COVID-19 Omicron variant loses its punch. Slower, but still solid, economic growth this year will help cool inflation as Fed rate hikes take hold.  We’re already seeing backlogs and bottlenecks start to clear. We expect more people to jump back into the labor force later this year, easing wage pressures. We may also get some help from lower oil prices, though that may have to wait for Russia-Ukraine tensions to die down.

These uncertainties make the road ahead for stocks tougher. But with U.S. consumers and businesses in excellent shape, the U.S. economy may grow 4% this year, well above the pace of the last decade. Corporate America is showing once again during fourth quarter earnings season that it is thriving with S&P 500 earnings poised to increase by more than 25% year-over-year.



Important Information

This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. Any economic forecasts set forth may not develop as predicted and are subject to change.

References to markets, asset classes, and sectors are generally regarding the corresponding market index. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. All performance referenced is historical and is no guarantee of future results.

All data is provided as of February 2, 2022.

Any company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services. LPL Financial doesn’t provide research on individual equities.

All index data from FactSet.

This Research material was prepared by LPL Financial, LLC. All information is believed to be from reliable sources; however LPL Financial makes no representation as to its completeness or accuracy.

What is a “second opinion” of my portfolio?

We are often asked to provide “second opinions” on investment portfolios. Sometimes an investor has managed their own finances for years and is looking for a professional “tune up”. Other times they have been using an advisor and simply want the comfort of some extra due diligence.

Second opinions help to ensure proper investment selection, financial alignment, and reasonable fees.

In this video, Dean and Brock discuss the information they look for when conducting  a “second opinion” analysis.


Roth vs Traditional IRA


“Should I choose a Roth IRA or a Traditional IRA.” This is one of the most common questions we hear from individuals who are saving for retirement. There are some important differences regarding when you pay tax and who is eligible.

The most important thing you can do is SAVE! Yes, you will be able to look back in 30 years and say definitively if a Roth or Traditional IRA was your best choice.  Some of this will depend on forces that you can’t fully control. Things like tax law changes, your income in retirement, and the rate that you will draw upon your retirement savings. What you can control is your dedication to a savings program.

What the video above for a more complete discussion on Roth vs Traditional IRAs.


Big Bank or Independent Advisor?

There are a lot of places you can go to get financial advice.

So why choose a local, independent advisor vs. a “Big Bank” or National Chain?

In this video we discuss some important characteristics of our Independent Advisor business model.

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