Financial Advisors in Kirkland

Financial Advice begins with Financial Planning

When thinking about their financial health, many people jump straight into asset allocation and investment strategies. But there is a crucial step that should precede all wealth management: Financial Planning.

We provide financial planning as a stand-alone service. You can meet us at our Kirkland office, or a place of your convenience. We serve Seattle’s Eastside, including Kirkland, Redmond, Bellevue, Bothell, and Woodinville.

Read our walk-through of a financial planning session here.

Your Questions

Like all of us, you have questions about your financial future:

  • When can I retire?
  • Can I afford to live my dream?
  • Am I safe in a recession?

To answer these questions, you need a personal financial plan.

Our Process

Financial planning is a multi-faceted process, reviewing your financial health in much detail:

  • Determine current assets and contributions
  • Analyze future needs and expenses
  • Make a plan, and stress-test it

The result is a robust financial plan.

Your Benefits

Your comprehensive financial plan gives you peace of mind:

  • Know the likelihood of achieving your financial goals
  • Make well-informed financial decisions
  • Be prepared for an uncertain future

Your financial plan guides you from today to retirement and beyond.

Life Stages

Life stages differ in their likely levels of income, spending, and the ability to save for later. Based on your unique needs, our experienced Kirkland financial advisors will work closely with you to create a comprehensive financial plan that benefits you at each stage.

The Early Years

Retirement seems far away, and you are more focused on short-term goals:

  • Starting your career
  • Buying your first home
  • Raising children

A financial plan helps you make wise financial decisions and not take on undue risks or excessive debt.

Empty Nesters

You want to prepare for retirement, but there are conflicting goals:

  • Paying off your mortgage
  • Contributing to a 401(k) plan or Roth account
  • Investing wisely

A financial plan helps you make sure that you are on track to retire the way you want to.

The Golden Years

Retirement is here, and you want to enjoy yourself, without outliving your savings:

  • Create a solid income portfolio
  • Spend more money on hobbies
  • Prepare for health and care costs

A financial plan helps you keep the right balance.

Expense Levels

Creating a realistic financial plan often requires making some adjustments. As you typically don’t get to decide your salary, you might need to scale your expenses. Our Kirkland financial professionals help you prioritize your financial goals so that your financial plan can show their feasibility separately.


These expenses cover the necessities for you and your family:

  • Housing and transportation
  • Health care
  • Assorted living expenses


These are nice to have but not as essential as food or housing:

  • College tuition
  • A second car or pets
  • Eating out and entertainment


These are your blue-sky goals and more luxurious desires:

  • Traveling
  • Hobbies
  • A yacht or a sports car


Circumstances are prone to change. While we cannot predict the future, we can stress-test your financial plan and make sure it is robust, even when things don’t turn out the way we hoped they would.

Our Kirkland investment advisors can analyze common financial scenarios to calculate how these affect the likelihood of you reaching your financial goals.

Shortfall in Returns

Our investments don’t always perform as well as we thought they might. This shortfall in returns can impact your financial plan.

Our financial advisors can identify the risk and suggest solutions for you to maximize the wants and wishes you can realize in addition to your needs.

Recession Risk

When the whole market takes a downturn, everything from costs to wages can change with it.

Knowing how well your financial plan is likely to fare in a recession can help you worry less about your financial future.

Outliving Savings

Good health is an essential aspect of enjoying your retirement. But your financial needs increase with a longer lifetime.

With a robust financial plan in place, you have a good idea of the odds and can plan your golden years with confidence.

Get Started

The fastest way to learn more about financial planning and get started is to give us a call or send us a message.

Bertram Solutions LLC
1525 4th Street
Kirkland, Washington 98033
Phone: (425) 616-2755
Hours: Monday – Friday, 8:30 am – 5:00 pm