JOHN THOMAS
MSFS, CLU, ChFC, CFP®, AEP®
John grew up in Springfield, Oregon; a town known for timber and sawmills. His early work history was mowing lawns, picking beans, having a paper route, and working as a busboy for $1.06 an hour! And yes, he also spent a summer working in the woods. These jobs instilled a work ethic and also a desire for higher education.
John graduated from Willamette University and after his military duty, went to work for Weyerhaeuser Company as a supervisor. During this time, he also pursued graduate studies at the University of Oregon. During those years, John gained perspective and developed an interest in a career in financial services where he began his career in February of 1973.
As John's career progressed, he found time to complete his graduate degree in financial services along with several professional designations he felt were important to distinguish himself within his peer group. Continuing education has always been important.
In serving the community, John has chaired a Hospital Board, a County Planning Commission Board, been the president of a chamber of commerce and been appointed by two Governors of the State of Oregon to chair commissions and boards within the state. He also has served on many professional boards for financial services as well as in numerous leadership positions in MDRT, an international association of financial professionals.
John enjoys activities such as skiing, scuba diving, and international travel. John's particular passion is in his photography.
John and Lorraine are proud parents and grandparents of four grandchildren.
MISSION
Our mission is to help you navigate, one step at a time, a pathway which will lead to a desired financial outcome for savings, debt reduction, and retirement strategies.
Services
INDIVIDUAL RETIREMENT COACHING
How to determine income needs and sustainability
How to convert assets to income
What age can you realistically retire based on current assets?
How to best plan for beneficiary provisions for 401(k) and Defined Benefit Plans
How to understand PERS (Oregon Public Employees Retirement System) and choose benefit options
Review of accumulation strategies if shortfalls exists is meeting retirement goals.
LIFE INSURANCE AND ANNUITIES ANALYSIS
Suitability
Company comparisons
Contract comparisons
Types of coverage analysis
Beneficiary planning and how to coordinate with wills & trusts
RESOURCE FOR ATTORNEYS & CPAs
John takes on a collaborative approach to coordinating your financial life with your financial partners including your CPA and attorney.
Estate liquidity and beneficiary planning
Due diligence and review of existing trust and personally held insurance contracts
Review of insurance proposals as submitted by outside brokers
Reports made to advisor only
On the Blog
PART ONE OF IRA BENEFICIARY PLANNING
At the death of an IRA holder, the beneficiary has two options; one involves a spousal roll-over, if there is indeed a spouse; the other would be for non-spouse beneficiaries.