About Us

Our associates are part of Wealth Strategies Northwest in Portland, OR.  Our core team has over 50 years of experience in Disability and Life Insurance (including a former Dentist who developed arthritis in his 40's and is now collecting his Own-Occupation Disability benefits while working to protect other Dentists).  Several of our associates also work with advanced professionals on customized and holistic wealth recapture, protection, and optimization strategies (as described below).  Feel free to Request a Quote or leave a voicemail with your contact information for our team at 503-517-3164.

Disability Insurance

Disability Income Insurance is one of the most important financial products you can own during your working years.  We are pleased to assist you in acquiring this protection for your most valuable asset - your ability to earn an income!

Life Insurance

Consider acquiring Life Insurance at the same time you are applying for Disability Insurance - the same Medical Underwriting can be used for both applications!  And as explained for High Income Professionals, Whole Life Insurance with Waiver of Premium can be a powerful wealth accumulation vehicle for you - even if you become disabled.

Other Services:

While some Professionals only acquire Disability, Long Term Care, or Life Insurance from us, many of the successful ones craft and customize advanced financial strategies with us for their specific situations.  Below is the context from which we enter this unique conversation with you.

Context

If you could architect a financial structure for your family where failure was not an option, would you want it?

The Traditional Mathematical Approach

Sadly, most financial professionals devise convincing mathematical "plans" that fall apart when you inject any real life "turbulence" into the "plan."

What would your life look like if the stock market stagnates or crashes?  Or if the real estate market stagnates or crashes?  Or if you are injured or sick and can't work?  Or if you are sued?  Or if taxes go up?  Or if the distribution laws change for 401(k)s?  Or if you become guardian of your deceased brother's children?  Or if inflation increases?  Or if your income doesn't keep rising at the same rate?

How solid is your mathematical plan?

The Patchwork Approach

Other financial professionals enjoy successful careers selling "single product solutions" like 401(k) Plans, Mutual Funds, 529 Plans, Mortgages, Car Insurance, CDs, Annuities, Long Term Care Insurance, Tax Shelters, etc.  But rarely are all these single solution "micro-manager experts" sitting together at the same table to help you understand the total economic impact of each product on your entire financial situation.  Thus, over time, you will have accumulated a junk drawer of financial products that aren't coordinated or integrated together.

By making extra payments on your mortgage what is the compounded value of the tax savings you're losing?  Is there a way to engineer a cost reduction elsewhere to help pay for your Disability Insurance Premiums?  How much is your tax bill increasing each year by reinvesting dividends in your Mutual Fund?  How are you going to recapture the money you paid to your child's college through the 529 plan?  How are you using the tax depreciation money from your Rental Property?

How much wealth is slipping through your patch-worked plan?

Wealth Maximization & Protection Strategies

Most financial professionals cannot answer these questions since they do not have advanced cross-discipline training in these areas and the superior modeling tools to quickly validate the holistic economics of your situation.  The best they can do is run probability models to give you a "percentage likelihood" of success - or sell you other products to address the problems they created from selling you the first batch of products.

You wouldn't get on an airplane if the captain told you there was a 95% chance of landing successfully, would you?  Why is a crash landing even an option for your finances?

You wouldn't build a skyscraper one floor at a time with whatever materials were convenient or easy to obtain, would you?  Why is there no personalized financial blueprint indicating the structural tolerances and material requirements for your financial castle?

By coordinating your assets, insurance, real estate, businesses, qualified plans, savings, securities, and liabilities in the most efficient and effective manner we help advanced professionals optimize their economic situation.  We focus on building and protecting wealth simultaneously using cost-recovery strategies, tax-reduction strategies, qualified plan exit strategies, and other advanced financial techniques.

If you could architect a financial strategy for your family where failure was not an option, would you want it?  We help people do it every day.

If the previous paragraphs resonated with you and you would like to find out how to optimize your economic situation, please make a note of it on your Disability Quote Request and we contact you for an initial discussion.  You may also leave a voicemail for Roy Rasera, ChFC, RFP at 503-517-3164 with your topic/questions and the best time (PST) and contact number for one of our experts to reach you.