Madrona Financial Services, LLC Relationship Summary

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Introducing Madrona's

Proactive & Comprehensive Wealth Services

Designed to help you get more out of your money.

What do your want your money to do for you?

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What We Offer

It's more than your typical financial practice

If you are reading this, chances are, you've done a good job creating wealth. Now, it's time to preserve your wealth.

Our Advisors

If you are a few years away from retirement, but want to take a more proactive approach, we can help. Chances are, there's more you could do than save in your 401(k).

Request an analysis today so we can help you discover what could be done to help have a smooth transition into retirement.

Our CPAs

Retirement is not a set-it-and-forget-it situation. We believe it requires a proactive position that can help you adapt to the ever-changing environment.

Request an analysis today and discover strategies that may be able to help you get more out of your money.

Real Estate / 1031 Exchange

Many landlords feel stuck because they don't want to pay the huge tax bill if they were to sell. We specialize in tax-efficient exit strategies designed for real estate investors.

Request an analysis today so we can show you strategies that may be able to help you retire as a landlord.

Business Succession

There are many ways you could structure the sale of your business. Some are more tax efficient than others. Also, where your money goes after the sale matters.

Request an analysis today and discover strategies that could help you get more out of the sale of your business and your retirement.

Request Your Madrona Analysis Today

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The Madrona Difference

Advisors + CPAs + EI = Peace Of Mind

We believe it takes a team of professionals to manage wealth properly. Instead of looking for a “jack of all trades”, consider a specialized team, trained in emotional intelligences, that works together in harmony as they plan and manage your wealth so you can enjoy the quality of life you’ve always wanted to enjoy.

Our Advisors

Our advisors are held to the fiduciary standard. That means they are legally bound to do what is in your best interest. Their primary focus is on you and what you want.

Our CPAs

Our CPAs are trained in proactive comprehensive tax planning. Once you become a client of Madrona Financial, you’ll be able to work with our CPAs as needed.

Introducing Madrona's

5-6-7 PLANNING PROCESS

Designed to help you get more out of your money.

We believe there are FIVE things money can do for you, SIX places you can put your money, and SEVEN steps to a successful retirement. Discover our planning process that can help you potentially get more out of your hard-earned money.

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Five Things Money Can Do For You

Which is most important to you?

Which of the five things that money can do for you the most important? Once you can define what matters most to you, then you can move to the next step in the process.

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Growth

Risk doesn't mean reward. Risk means potential reward. There are many ways you can grow your wealth. The trick is to allocate your portfolio so you have enough growth potential without taking too much risk or compromising your quality of life.

Cash Flow

During your working years, cash flow is typically easy to solve. Your cash flow comes from your work and some of your investments. Once you retire, you'll need to take your portfolio and use it to generate cash flow. There's more than one way to generate cash flow in retirement. It just depends on how you want to solve for it.

Liquidity

Have the flexibility to access assets at anytime is nice, but it comes at a cost. Too much liquidity can create problems when you retire. Chances are, you don't need access to all of your money at any given time. How much liquidity do you need now and in the near future?

Protection

Once you become rich, your jobs is to stay rich. Sometimes, that means taking less risk so you can preserve at least a part of your portfolio. There are many ways you can protect your wealth. How much should be protected? Which strategy is right for you?

Tax Advantages

Depending on how you allocate your investments within your portfolio, it may be tax efficient or it may create tax problems. Have you consider the tax implications of your strategies?

Six Places You Can Put Your Money

Where do you want to place your money?

Diversification doesn't mean buying a bunch of tech stocks and calling it good. We believe diversification is a deliberate allocation decision among uncorrelated asset classes that should start by diversifying among various markets.

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Cash & Cash Equivalents

Cash and cash equivalents offer short-term liquidity and protection but struggle when it comes to growth. This category may make sense for your emergency cash and for other big purchases you expect to make in the short-term.

Bond Market

The bond market may consist of bonds or bond funds, which may play a role in helping hedge against a market crash, or provide some cash flow, but it still has its limits.

Equities (Stock) Market

The equities market may offer more growth potential than any other market, but it also has downside risk. Because of the downside risks, it may not make sense to keep the majority of your assets in this market.

Insurance Products Market

The purpose of insurance is to transfer a certain risk to an insurance company. That risk could be the risk of living too long, the risk of death, the risk of healthcare costs, and so on. Insurance is not an investment, but may play a role in the overall portfolio.

Real Estate Market

Investment options in this category include investment real estate, real estate investment trusts (REITs), Delaware Statutory Trusts (DSTs), and more.

Alternatives Market

Investments in this category include private equity, private credit, limited-partnerships, and more.

Seven Steps to a Successful Retirement

How do you bring it all together?

The Madrona Wealth Plan is a custom-made financial plan for those whose net worth is $500,000, $2.5 Million, or even $25 Million.

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Lifestyle Planning

It starts now, even if you are not retired. Lifestyle Planning focuses on planning for income and expenses so that you can maximize your quality of life.

How do you want to live your life today, tomorrow, and in years to come?

Growth Planning

There is no such thing as a perfect investment. With Growth Planning, you can strategically diversify your investments on multiple levels so that your wealth grows, based on the purpose that drives it.

Are your assets growing in the right direction so that they can do what you want them to do?

Protection Planning

A market crash may be one of the biggest fears people have, but it's not the only way you could lose your wealth and quality of life. Protection Planning focuses on how to minimize the different areas you may be at risk so that you can sustain your quality of life and wealth

.Don't lose it right before you need it. Are you protected?

Tax Planning

Taxes will most likely be your biggest expense for the rest of your life. Did you know that getting to a zero-tax bracket for the rest of your life may end up costing you more in taxes overall? Tax Planning allows you to work with an advisor and a CPA so that you pay the least amount of taxes possible.

How money could you save from tax planning?

Healthcare Planning

Long-Term Care is a conundrum. If you can afford it, you probably don't need it. If you need it you probably can't afford it. Healthcare Planning is a deep dive into the different options you have available to you while looking at your Medicare/Medicaid plans so that you can be prepared for potentially rising medical expenses. Anticipate the possible expenses while it's still cheap. The options available to you may surprise you.

Want to see other options that may be a better fit for you?

Gift Planning

When correct planning is done, you may find that you have extra funds that you want to give. Whether it is to your family, the local church or charities, or something else, you don't need to wait until you pass to give. Gifting Planning focuses on efficiently passing your generosity while you are alive so that you can enjoy watching others receive your gifts.

Where do you want to send extra funds?

Legacy Planning

Legacy or Estate Planning is for everyone. One of the kindest acts you can do before you pass is to get your estate documents in order so that your heirs don't deal with probate. Relationships can be lifted or ruined over how your legacy planning is done, or not done. Determine the legacy you want to leave without compromising others.

Do you have the necessary estate documents?