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© 2018 by Handcrafted Financial Values LLC

An Oregon benefit company

Located in Portland, Oregon

503-893-9708

All photographs taken by Tim Martin or used with permission.

See "Home" page for legal disclaimer and disclosures.

We conduct holistic and life-centered financial planning.  Every financial decision you make — and every major life decision — affects your overall financial picture.  Our goal at Handcrafted Financial Values is to help you set goals, make a plan to achieve those goals, prioritize financial decisions along the way, adjust your plan when "life happens" and, last but not least, ease your financial anxiety.

Tilikum Crossing

Tier 1 Service

Tilikum Crossing

 The “Bridge of the People” represents a new paradigm as the largest car-free bridge in America.  Similarly, this service is a new, equitable paradigm that makes professional financial planning accessible to all, no matter your net worth.

SERVICES

  • Discuss passions & priorities

  • Align budget with values

  • Tackle student loans & other debt

  • Plan for house, travel, children, financial independence, retirement, etc.

  • Maximize employee benefits

  • Review retirement plan and socially responsible investment options


OUTCOME

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  • Confident & intentional spending plan

  • Financial roadmap for achieving goals


BEST FOR

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  • Nonprofit employees

  • Single young professionals

Tier 1

Burnside Bridge

Tier 2 Service

Burnside Bridge

The Burnside Bridge is at the heart of Portland.  This service is for professionals in the heart of their career or with growing families.  We handle your finances so you can fulfill the endless demands on your time and confidently manage all the life events along your journey.

SERVICES

  • Tier 1 services

  • Tax planning

  • Insurance needs analysis

  • Retirement projections

  • College planning

  • Estate planning advice


OUTCOME

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  • Confident & intentional spending plan

  • Financial roadmap for achieving goals

  • Comprehensive & custom financial plan


BEST FOR

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  • Dual-income households

  • Professionals with growing incomes

Tier 2

Steel Bridge

Tier 3 Service

Steel Bridge

Our most comprehensive service -- just like the Steel Bridge (utilized by cars, buses, light rail, Amtrak, freight trains, bicycles, and pedestrians).  We manage your complex financial life.

SERVICES

  • Tiers 1 & 2 services for more complex  financial situations

  • Direct management of taxable investment accounts and non-employer retirement accounts (optional; fee is 0.5% of assets in addition to monthly fee)


OUTCOME

​​

  • Confident & intentional spending plan

  • Financial roadmap for achieving goals

  • Comprehensive & custom financial plan

  • Your own chief financial officer


BEST FOR

​​

  • Higher net worth households

Tier 3

All plans can be continued beyond one year at a reduced monthly fee.  We want to be your long-term financial coach and consultant.  We make adjustments as life happens, track your goal progress, and provide objective perspective on your financial decisions.
Transparent Pricing Information
  • We are a fee-only firm.  This means our only source of revenue is from clients -- no commissions, no kickbacks, no incentives to recommend a particular financial product or fund company.

  • Our monthly subscription fee model provides significant benefits over the traditional percentage of assets under management (AUM) model:

    1. We have limited incentive to recommend that you give us assets to manage, unlike under the AUM model.  We don't want pressure to "collect assets."  Paying down debt, spending money on a major goal, or keeping extra cash in the bank might be the most appropriate action for certain clients.

    2. ​The monthly fee pricing model allows us to work with people who don't have substantial investment assets yet, but want and need financial planning advice.

    3. For clients who do have substantial investment assets, this model allows them to pay more fees from cash flow and less from investments.  This reduces the drag of fees on investment accounts, which is especially beneficial to tax-advantaged accounts.

  • Advice on all investment accounts is included in the financial planning fees.  We charge a separate AUM fee only for investment accounts that we manage directly because of the additional costs associated with that service.

  • Most clients fit into one of the three service Tiers described above.  However, some clients may be charged a different fee based on the complexity of their financial situation or the specific services requested.