Stephen Kirkendall, CFP®, ChFC | Portland and Vancouver's Independent Financial Advisor

Ever talk to someone who retired too soon and worries about running out of money? Or worries about how to transfer their assets to their children rather than Uncle Sam?

Stephen R. Kirkendall, CFP®, ChFC, is a Certified Financial Planner™ and Chartered Financial Consultant with nearly 30 years experience . KPDQ-FM radio host Lew Davies invited Steve to his  LiveLine show for over 15 years. Why? Because Steve would take every call, take it seriously, and answer the caller’s question in plain English.

Steve has also previously given over 100 educational seminars at colleges and churches. His  television interviews have been seen by national audiences.

Steve has helped hundreds of individuals and couples assess their financial situation and risk tolerance, determined their retirement goals, and helped them create a plan to pursue their retirement goals. He has helped many widows understand their investments after the loss of their husbands and coping with their new responsibilities and situation.

An avid bowler, Steve can help you avoid the many “gutter balls” of retirement strategies. Some people save too little or take too little risk. Others take too much risk and lose money they don’t have time to earn again. Still others retire too soon and risk running out of money during the latter years of retirement.

Don't lose sleep over retirement because you don't know where you stand. Let Steve help by determining your current situation, developing a strategy and reviewing it with you to help keep you on track. Maybe then you can enjoy your time with the grandkids.

Do you really want to feel in control of your financial future? Give Steve a call today!

Home Affordability

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

Loan Payoff

How much will it cost to pay off a loan over its lifetime?

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

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Ways to Save More

About two out of three American workers are saving for retirement, but less than half are confident that they will save enough money to live comfortably during their retirement years. This article includes suggestions for readers to take small steps that could make a big difference when they are ready to retire.

When Key Players Can't Work

If a company is a two-owner business or its success relies on a few key players, key-person life or disability insurance could possibly offset the risk that the premature disability or death of a major contributor could ruin its future prospects.

Retirement Plans for Small Businesses

With standard 401(k) plans, the amount a company's owners can contribute to their own retirement account is often restricted by how much other employees contribute to the plan. With the safe harbor option, owners may be able to make larger contributions for themselves in exchange for making tax-deductible contributions or "matches" for employees.

Evaluating Life Insurance Needs

It's a good idea for people to evaluate their life insurance coverage to help ensure it keeps pace with their needs. Not only do major life events affect the amount of coverage that may be needed, but inflation can reduce the purchasing power of the death benefit and a greater benefit may be needed to cover estate taxes and other debts.

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