Nearing retirementHypothetical
Nancy, 56
Nancy
A city manager who wanted to consolidate her accounts, lower her taxes, and know her retirement income was reliable.
Read Nancy’s story →You’re nearing retirement with $500,000+ saved. But you have questions.
We’re financial advisors and CPAs in Walla Walla and Olympia who help people nearing retirement and in retirement lower taxes, invest smarter, and maximize income.
- CPA-led
- Fee-only, no commissions
- Fiduciary
Where are you right now?
Retirement income
Your savings, turned into a monthly paycheck.
We combine your savings, pensions and Social Security into one monthly paycheck. Guardrails tell you when you can spend more and when to ease off, in real dollars, not probabilities.
Social Security
Pensions
Savings and investments
Your income plan
Which account to draw from, when, and how much.
- Withdrawal order set to lower taxes
- Spending guardrails tracked
- Updated when life changes
Each month
A paycheck you can plan around.
Who we serve
We do our best work with investors nearing retirement or already retired who have $500,000 or more saved, and who value expert help because retirement is too important.
Fee-only
How we’re paid.
We’re fee-only. We never earn commissions, so our interests stay aligned with yours. See our fee schedule →
Commission-based advisors
Get paid when you buy or sell an investment.
LifeFocus, fee-only
Gets paid an annual fee, whether or not anything is traded.
We invest using low-cost institutional funds chosen from academic research, with a strategy built to be cost effective and tax efficient.
Hypothetical case studies
What a plan can look like.
One person a few years out, and a couple who just retired.
RetiredHypothetical
Bob and Sue, 67 and 59
SueBob
A newly retired couple who wanted lower taxes and income they could never outlive.
Read Bob and Sue’s story →Your advisors
Meet Bob and Seth.
Read their full bios →LifeFocus Financial Advisors, LLC is an SEC registered investment adviser, CRD# 136020. View our SEC record.
Robert Deal, CPA, PFS
Walla Walla
CPA and Personal Financial Specialist. Founded LifeFocus in 2005 after leading a regional accounting firm.
Seth Deal, CPA, PFS
Olympia
CPA and Personal Financial Specialist. Former City of Olympia employee, now working with clients across Washington.
The LifeFocus blog
Money Manna
A new article every week. Read the blog →