# The Retirement Solution: full reference

> Fee-only fiduciary RIA specialising in flat-fee retirement planning and investment management for pre-retirees and retirees in Washington and Colorado. Founded 2003. SEC-registered, CRD# 148106.

This file is the comprehensive companion to /llms.txt, per the llmstxt.org spec. It concatenates the firm's positioning, offices, team, FAQs, articles, and upcoming events into a single document so LLMs can consume the full picture in one fetch. Generated from the same source data that powers theretirementsolution.com.

## Core positioning

The Retirement Solution (TRS) is a fee-only investment adviser. Our planners have a fiduciary duty to act in our clients' best interest at all times.

Many advisors charge a percentage of your assets. We charge a flat fee, depending on your specific situation. The fee is the same whether your portfolio is $500K or $5M.

Our process centres on bucket planning. We split a client's savings across four time horizons:

- **Bucket A (0 to 5 years):** Funds the life you're living right now. Travel, family, everyday spending. We sequence withdrawals to help keep your tax bracket low and avoid Medicare IRMAA surcharges.
- **Bucket B (5 to 10 years):** Fuel for the years you'll want it most. Social Security timing shapes how much you pull from here.
- **Bucket C (11 to 20 years):** Long-horizon growth. Short-term dips don't matter a decade out. Room for Roth conversions and tax-loss harvesting.
- **Bucket G (20+ years):** The legacy you leave behind. Decades of compounding before you touch it, with estate planning structured for efficient transfer.

Some clients find this approach helps them better understand how much they may be able to spend over time.

We coordinate the moving parts of a retirement plan under one relationship: income planning, portfolio management, Social Security claiming strategy, Medicare planning, RMD strategy, estate planning coordination, tax-aware withdrawal sequencing, pension decisions, and annual reviews.

## Offices

Five physical offices across the Pacific Northwest and Colorado, with virtual planning available for clients nationwide.

- **Redmond, WA (HQ)**: Where the firm started in 2003. The largest of the five offices. https://theretirementsolution.com/locations#redmond
- **Lynnwood, WA**: North Seattle metro. https://theretirementsolution.com/locations#lynnwood
- **Mount Vernon, WA**: Skagit Valley. https://theretirementsolution.com/locations#mt-vernon
- **Tri-Cities, WA (Kennewick)**: Eastern Washington. https://theretirementsolution.com/locations#tri-cities
- **Denver, CO**: Colorado Front Range. https://theretirementsolution.com/locations#denver

## FAQs

### How much does the consultation cost?

The first conversation is free. We won't ask for a credit card, won't take any of your assets under management on the call, and won't pressure you to commit to anything.

### What's TRS's flat fee?

$700 per month, the same whether your portfolio is $500K or $5M. There's no AUM percentage, no commission, and no hidden fee. You can cancel any time within the first 12 months for a full refund.

### What does "fiduciary" actually mean?

It means TRS is legally required to act in your best interest at all times, not the interest of an insurance company, a broker, or a fund manager. Most financial advisors aren't fiduciaries; we are.

### What happens after the consultation?

You leave with a high-level view of your situation and a clear sense of whether a full plan is worth pursuing. If yes, we walk you through engagement; if not, we shake hands and you take what you've learned.

## Team

TRS planners and team members (33 active members):

### Jim Black

**Founder & CEO** · CFP, MBA, BS International Finance, Brigham Young University, MBA, Willamette University

Jim Black leads The Retirement Solution Inc. as founder and chief executive, bringing over 28 years of expertise in planning, investment, and insurance services. He earned a Bachelor of Science in International Finance from Brigham Young University and an MBA from Willamette University.

As a Certified Financial Planner, Jim has committed to rigorous professional standards. This prestigious accreditation is granted only to those choosing to meet rigorous education, examination and experience requirements and abide by the CFP Board's Standards of Professional Conduct. His designation reflects both his credentials and personal philosophy of prioritizing client interests.

Jim authored Happily Ever After to help retirees navigate financial challenges and maximize life satisfaction. He established The Retirement Solution in 2003 to provide personalized, family-focused financial guidance rather than standardized product-driven advice.

Profile: https://theretirementsolution.com/client-experience#jim-black

### Tom Black

**President & Financial Planner** · Finance Degree, Brigham Young University

As a Financial Planner, Tom has a thorough understanding of the complex issues that must be addressed when preparing a strategic retirement plan.

Tom has always been interested in wealth management, graduating with a Finance degree from Brigham Young University. He attributes his career path to his passion and desire to help enrich peoples' lives. Tom is motivated by helping people maintain financial independence and their active lifestyle long into retirement by providing a holistic financial review process. Prior to joining TRS, Tom gained extensive experience overseeing client-business relationships, client satisfaction strategies, accounting, budgeting, projections, and financial operations at Abadan, Yakima Valley Farmworkers, and Connell Grain Growers.

Profile: https://theretirementsolution.com/client-experience#tom-black

### Matt Perrone

**Lead Financial Planner** · BS Communications, University of Texas at Austin

Matt was born and raised in the great state of Texas and received his Bachelor of Science from The University of Texas in Austin, majoring in Communications with a Business Minor. Before transitioning to Finance in 2015, Matt spent seven years in Hospitality and Business Management. His previous experience has allowed him to bring a more personalized level of care and service to his clients.

Matt focuses on one goal in his work: to give clients a sense of confidence by managing their life savings with the utmost care and integrity. For as long as he can remember, he has been passionate about helping others make wise financial choices. To this day, he finds his work both fun and meaningful.

Matt is also involved with charities that aid disadvantaged youth and that support the arts and education. When he is not working, Matt enjoys time with his wife and daughters, first and foremost. Matt's other hobbies include reading, exploring the outdoors, culinary tours, and of course, watching Texas football.

Profile: https://theretirementsolution.com/client-experience#matt-perrone

### Shane Perry

**Financial Planner** · BS Financial Planning and Advising, Purdue University

Shane Perry holds a Bachelor of Science in Financial Planning and Advising from Purdue University, with coursework emphasizing investment mathematics, accounting, estate planning, statistics, and tax law.

Starting in 2014, Shane joined The Retirement Solution as a Client Manager, transitioning to Associate Planner in 2019. Promoted to Financial Planner in June 2020, he focuses on guiding clients through retirement transitions with comprehensive income planning.

Shane has maintained active Rotary International membership since 2009, serving as Treasurer and board member for his Arizona club (2009-2014). He currently holds a board position with Rotary eClub One and chairs the Finance Advisory Committee.

Shane resides in Redmond, Washington, with his wife, Dr. Hillary Perry. Both are active at Saint Jude's Roman Catholic Church, leading community outreach initiatives. They enjoy Pacific Northwest hiking and visiting family in the Midwest and Arizona.

Profile: https://theretirementsolution.com/client-experience#shane-perry

### Jared Black

**Financial Planner** · BS Finance, Brigham Young University-Idaho, MS Financial Planning and Analytics, Utah Valley University

Jared's love for financial planning began while studying at Brigham Young University – Idaho, where he earned his bachelor's degree in Finance. After graduation, he worked for a venture capital firm, where he focused on raising funds for startup companies around the world. Recently, Jared expanded his industry knowledge even further by earning a master's degree in Financial Planning and Analytics from Utah Valley University.

Having been introduced to TRS as an intern during his time at BYU-Idaho, Jared was eager to return to the team, contribute to the organization, and assist clients in achieving their retirement goals. Originally from Pasco, Washington, Jared's work ethic was honed while hay farming during his high school and college years, instilling a deep appreciation for hard work and perseverance.

Jared currently resides in the Tri-Cities area with his wife, and they look forward to welcoming a baby boy into their family. Outside the office, he shares a love of traveling and skiing with his wife; one of his life goals is to ski on every continent.

Profile: https://theretirementsolution.com/client-experience#jared-black

### Kyle Nelson

**Financial Planner** · CFP, National Social Security Advisor, BS Personal Financial Planning, Utah Valley University

Raised on a hazelnut farm in Woodburn, Oregon, Kyle developed a strong work ethic from a young age. After high school, he spent two years in Belo Horizonte, Brazil, serving a mission for his church, an experience that deepened his commitment to service, faith, and community.

Kyle went on to earn a Bachelor of Science in Personal Financial Planning at Utah Valley University. In 2018, he passed the CFP exam and became a CERTIFIED FINANCIAL PLANNER in 2019. He is also a National Social Security Advisor, which allows him to help clients navigate one of the most important and complex aspects of retirement.

Outside the office, Kyle enjoys landscaping around his home, perfecting his smoked meats, traveling with his family, and cheering on the Oregon Ducks, especially at away football games.

Profile: https://theretirementsolution.com/client-experience#kyle-nelson

### Travis Johnson

**Financial Planner**

In 2015, straight out of college, Travis began his financial career at Bank of America, first as a Relationship Manager in Sammamish before his promotion to Financial Advisor at Merrill Lynch in Bellevue. In both his previous roles, Travis helped his clients pursue their goals, educating them on options and strategic financial solutions, but his passion to work with clients on their retirement dreams is what ultimately spurred the transition to TRS in November of 2019 as an associate planner.

After working on hundreds of clients' retirement plans, supporting multiple planners at TRS, and heading the trade desk, in 2022 Travis was promoted to Planner and began working directly with clients on their retirement plans.

Travis was raised in Redmond, Washington and moved south to Kent, WA a few years ago where he continues to reside with his wife, Kait, and daughter, Poppy. When not in the office, Travis spends most of his free time with Kait and Poppy. They are huge foodies (even the toddler) and love to cook or try a new restaurant whenever they get a chance.

Profile: https://theretirementsolution.com/client-experience#travis-johnson

### Cindy Mueller

**Tax Advisor, Financial Planner** · CFP, BA Finance, Washington State University

Cindy joined The Retirement Solution in 2008 with a commitment to delivering sound principles of financial management. She offers clients professional counsel in personal finance, investment advisory services, estate planning, and retirement planning.

Cindy grew up in Camas, Washington and holds a BA in Finance from Washington State University. Following graduation, Cindy was accepted into Washington Mutual's two-year management training program, where she spent 12 years in various financial roles.

In addition to raising her three bustling children, Cindy was active in the Bellevue School District for multiple years as PTSA President, Treasurer, and Auction Chair, earning Volunteer of the Year and the Golden Acorn Award for outstanding service to youth in the community. She was also awarded the Interlake High School Booster Award.

Profile: https://theretirementsolution.com/client-experience#cindy-mueller

### Clint Coburn

**Financial Planner** · Central Washington University

Born and raised in Seattle, Clint is proud to call the Pacific Northwest his lifelong home. He graduated from Central Washington University and found his calling in the financial industry, gaining valuable experience at firms like Edward Jones and Merrill Lynch.

Clint has always been driven by a desire to make a meaningful impact in people's lives. He finds deep fulfillment in helping clients work toward their financial goals and retirement dreams, believing wholeheartedly that thoughtful financial planning can create lasting peace of mind.

Outside of work, Clint leads an active and adventurous life. He enjoys hiking, biking, and playing basketball. He and his wife Liz share a love for travel, whether that means exploring new countries or taking in the natural beauty of Washington.

Profile: https://theretirementsolution.com/client-experience#clint-coburn

### Jake Richards

**Financial Planner** · Purdue University

Jake grew up in Columbus, Ohio, and earned his degree from Purdue University before beginning his career in the financial industry. His experience leading a regional team helped him develop a heart for service and a deep understanding of how to guide people through important life decisions. He's passionate about helping clients feel confident about their future and finds it incredibly rewarding to walk alongside them as they turn their retirement goals into reality.

Outside the office, Jake enjoys running, hiking, cooking, discovering new coffee shops, and spending time with his sisters and family.

Profile: https://theretirementsolution.com/client-experience#jake-richards

### Jason Falk

**Financial Planner** · BA Economics, Bucknell University

Born and raised in Greensboro, North Carolina, Jason grew up with Southern values of hospitality, community, and service, principles that continue to guide the way he supports clients today. He attended Bucknell University, earning a BA in Economics with a minor in Legal Studies. During this time he also graduated from ROTC and was commissioned as a 2nd Lieutenant in the North Carolina National Guard, deepening his lifelong commitment to protecting and serving others.

Following graduation, Jason began his career in the family real estate business, working on high-end condominium developments in New York City before returning to the South to focus on multi-unit residential properties. These early roles taught him how to understand long-term goals and how major assets fit into a family's broader financial picture. In 2016, driven by a desire to experience life on the West Coast, he moved to Seattle and embraced the Pacific Northwest's natural beauty, culture, and outdoor lifestyle.

Over the past decade, Jason transitioned fully into the financial industry, taking on roles in wealth management, insurance, and leadership. He brings a relationship-centered, service-driven approach to every TRS client. Outside of work he enjoys life with his partner and their labradoodle, and is a passionate foodie, traveler, hiker, and golfer.

Profile: https://theretirementsolution.com/client-experience#jason-falk

### David Granger

**Financial Planner** · CFP, BA Economics, Western Washington University, MBA (in progress), Western Washington University

David is originally from Sandpoint, Idaho and relocated to Washington in 2009 when his family moved closer to relatives. He earned a bachelor's degree in economics from Western Washington University. After graduating, he joined a finance firm in Bellingham where he developed a client-focused approach to financial planning. He has completed his CFP certification and is pursuing an MBA through Western Washington University.

In his personal life, David is engaged to be married in June 2027. He enjoys movies and spending time with his two cats. He also loves challenges, whether diving into complex tabletop games with friends or experimenting with video game development as he learns to code.

Profile: https://theretirementsolution.com/client-experience#david-granger

### Heather Carlson

**Associate Planner** · Cell & Molecular Biology, University of Washington

Heather holds a degree in Cell & Molecular Biology from the University of Washington. She initially worked in the tech sector before transitioning to financial services. As an associate planner at The Retirement Solution, she applies her analytical background to support clients' retirement goals while developing her professional expertise.

Outside the office, Heather enjoys reading and spends time with her husband Robert and their black Labrador, Max. A Washington native, she appreciates both regional road trips and international travel, with aspirations to experience an African safari adventure.

Profile: https://theretirementsolution.com/client-experience#heather-carlson

### Sean Closson

**Associate Planner**

Sean hails from Fayetteville, North Carolina and relocated to Seattle to explore the city's opportunities. His background in hospitality has equipped him with diverse experience in client relations, problem-solving, and service excellence. His creative abilities and collaborative approach strengthen the company's service team. Beyond work, Sean pursues artistic endeavors including jewelry making, woodworking, and metal fabrication.

Profile: https://theretirementsolution.com/client-experience#sean-closson

### Tenzin Zingkha

**Associate Planner** · Economics & Political Science, University of Washington

Tenzin hails from Vancouver, Washington, and holds a dual degree in Economics and Political Science from the University of Washington. He chose to remain in the Seattle area after graduation. In his role at The Retirement Solution, he is driven to learn as much as he can about financial planning and finds purpose in making a positive impact on people's lives in retirement. Outside of work, he enjoys spending time with friends and discovering new television shows to watch.

Profile: https://theretirementsolution.com/client-experience#tenzin-zingkha

### Wesley McBratney

**Director of Servicing** · UC Davis - Neurobiology, Physiology, and Behavior, UC Davis - Viticulture and Enology

Wesley attended the University of California, Davis, where he earned two degrees, including Neurobiology, Physiology, and Behavior, alongside Viticulture and Enology. Following his graduation, he went directly into the lab, working on everything from Alzheimer's research to studying the complex science of wine, contributing to one of the top wineries in Napa Valley. After his time in science, he took over the family business of model train sales and commercial real estate management and eventually found his way into the finance industry. With his wide range of experience, Wesley made a stop at Equitable Advisors and Edward Jones but ultimately has found his home here at TRS.

Wesley has a talent for taking complex subjects, simplifying them, and educating others in an exciting way. He constantly shows up enthusiastic about his role and has found that the people are his favorite part of the work. As Service Lead, he enjoys leading our team to serve clients by taking the "dream" of retirement, creating a plan, and making it a reality.

Wesley has lived in various places throughout his life, including multiple areas of California, Hawaii, and now Lake Stevens, Washington. His many hobbies match his many experiences as he enjoys wine tasting, fine dining, weightlifting, rock climbing, hiking, and travel. When he leaves the office, you can find him enjoying the company of his wonderful wife and son.

Profile: https://theretirementsolution.com/client-experience#wesley-mcbratney

### Jared Kowalske

**Servicing Assistant Manager**

Jared demonstrates strong commitment to delivering excellent client service and takes pride in supporting clients' financial security. He brings experience in web development, recruiting, and customer service to The Retirement Solution.

Recently relocated to Seattle with his wife, Jared enjoys exploring the Pacific Northwest during leisure time. He is an enthusiastic supporter of the Green Bay Packers and Liverpool FC, and regularly plays golf outside work hours.

Profile: https://theretirementsolution.com/client-experience#jared-kowalske

### Hailey Nelson

**Client Income Manager** · BA Professional and Creative Writing, Central Washington University

Hailey's responsibility as Client Income Manager involves ensuring clients experience smooth transitions when receiving retirement income and distributions. She applies her meticulous attention to detail while supporting planners and associate planners, facilitating seamless client experiences.

She earned a bachelor's degree in Professional and Creative Writing from Central Washington University. Prior to joining The Retirement Solution in 2019, she managed operations at a small chiropractic practice where she refined her customer service and leadership abilities. She brought strong communication skills, a detail-oriented nature, and a collaborative mindset to her current role.

Outside of work, she enjoys time with her dog and books, outdoor camping activities, preparing new recipes, and creative writing projects.

Profile: https://theretirementsolution.com/client-experience#hailey-nelson

### Jack Parkhurst

**Client Income Manager** · BA Business Administration (Finance focus), Washington State University

Born and raised in Lynnwood, Washington, Jack earned his bachelor's degree in business administration with a finance focus from Washington State University. He brings a people-first approach to the world of finance and enjoys working with numbers to apply financial strategies effectively.

Jack is passionate about assisting clients with financial goals ranging from everyday planning to retirement preparation. His aspiration is to become a financial planner to better guide individuals through retirement planning complexities and long-term financial security.

Outside work, Jack enjoys watching football, traveling, and spending time with friends and family. He values connection, learning, and helping others build a better financial future.

Profile: https://theretirementsolution.com/client-experience#jack-parkhurst

### Stacey Bennett

**Client Account Specialist** · Administrative Management, Central Washington University

Stacey is originally from Grandview, Washington, and holds a degree in Administrative Management from Central Washington University. After marrying, she and her husband explored different regions, living in Florida and Southern California before returning to Washington in 2020 to be near family.

Throughout her professional career, Stacey has supported executives in managing both professional and personal responsibilities. She brings this same dedication to her current role, where she is passionate about helping clients reach their retirement goals to create a bright financial future.

Outside work, Stacey enjoys hiking, snowboarding, and traveling. She has visited Spain and Costa Rica, and particularly enjoyed a family trip to Washington DC with her children. Her travel bucket list includes the UK (to watch live soccer), Italy (for pizza), and Tahiti (to observe surfers at Teahupo'o).

Stacey is married with two children and a four-year-old dog named Zed, adopted during the pandemic.

Profile: https://theretirementsolution.com/client-experience#stacey-bennett

### Christian Chin

**Client Account Specialist** · BBA Finance, University of Hawaii

Christian is originally from Honolulu, Hawaii, and holds a Bachelor of Business Administration in Finance from the University of Hawaii. His passion for finance stems from helping others manage financial stress and focus on what matters most.

Professionally, Christian founded a multimillion-dollar cryptocurrency startup emphasizing education and trading tools. He later shifted into investment analysis and real estate, completing renovations and sales of multiple Hawaiian properties.

Outside work, he pursues weightlifting, Muay Thai, Brazilian Jiu Jitsu, hiking, grilling, and watching football and UFC. Recently relocating to Washington, Christian aims to help as many people as possible achieve their financial goals.

Profile: https://theretirementsolution.com/client-experience#christian-chin

### Lillian Nguyen

**Client Account Specialist** · University of Washington

Lillian is a Seattle native who studied at the University of Washington, where she developed interests in finance and technology. She is motivated by supporting others and helping clients feel clear, calm, and confident about retirement planning.

Prior to joining The Retirement Solution, Lillian worked in fast-paced roles that cultivated her flexibility and focus on creating positive client experiences. Outside of work, she prioritizes family connections and enjoys exploring through travel, hiking, and cooking. She is an enthusiastic volleyball player and actively pursues new activities. Lillian is committed to advancing her expertise in retirement and financial services to become an enhanced resource for both clients and colleagues.

Profile: https://theretirementsolution.com/client-experience#lillian-nguyen

### Abbey Folsom

**Operations Coordinator** · BS Exercise Physiology, Brigham Young University-Idaho

Abbey hails from Woodinville, Washington and earned her Bachelor of Science in Exercise Physiology from Brigham Young University-Idaho before relocating to Utah, where she currently lives. Throughout her professional journey, she has held positions across diverse industries while consistently delivering exceptional customer service.

At The Retirement Solution, Abbey is committed to enhancing clients' financial wellness. She values the collaborative nature of her team and finds fulfillment in helping others. Beyond work, her interests include baking, spending quality time with her daughter, and discovering the recreational and cultural attractions Utah provides.

Profile: https://theretirementsolution.com/client-experience#abbey-folsom

### Holland Black

**Operations Specialist** · Psychology, Brigham Young University

Originally from Upland, California, Holland relocated to Utah after earning her degree in Psychology from Brigham Young University. Her educational background has fostered a strong interest in understanding human behavior and interpersonal dynamics. Throughout her professional journey, she has maintained a commitment to making meaningful contributions to those she works with.

Before joining The Retirement Solution, Holland gained professional experience in healthcare, where she supported individuals with enrichment programs and personal goal achievement. Outside work, she enjoys reading, baking sourdough, and fitness activities. She is married with two young children. Her long-term aspiration involves pursuing graduate studies to become a speech-language pathologist, specifically focusing on helping stroke patients regain their communication abilities.

Profile: https://theretirementsolution.com/client-experience#holland-black

### Holly Colwell-Knowlton

**Reception & Office Manager** · Eastern Washington University

A Washington native who grew up in Everett and has resided in Stanwood for nearly two decades, Holly attended Eastern Washington University. Her career in customer service spans the travel industry and luxury retail, bringing a client-focused perspective to her role. She excels at understanding individual client needs and creating positive interactions.

Outside work, Holly enjoys traveling, dancing, and spending time with her husband Gary and daughter Merit. As a lifelong dancer, she continues taking classes and watches Dancing with the Stars with her daughter. The family pug, Winnie, frequently joins their activities.

Profile: https://theretirementsolution.com/client-experience#holly-colwell-knowlton

### Mackenzie Bravo

**Front Desk Coordinator**

Originally from rural Missouri, MacKenzie relocated to Washington State in 2021 to be nearer family. They've developed a strong appreciation for the region's cozy weather and ocean views.

MacKenzie's professional background includes work in the credit union banking industry, where they held positions ranging from teller to commercial underwriting. After moving to Washington, they expanded their financial expertise by assisting a local CPA firm.

As part of the TRS team, MacKenzie brings diverse role responsibilities that align with their passion for continuous learning, enhancing client experiences at the Redmond office.

Outside work, MacKenzie enjoys time with their long-term partner and pets. Leisure activities include nature walks, woodcarving, crocheting, and tabletop gaming like Dungeons and Dragons. They aspire to purchase a home with their partner where they can build lasting family memories.

Profile: https://theretirementsolution.com/client-experience#mackenzie-bravo

### Elizabeth Tarbox

**HR Manager** · AAS Broadcast Journalism, Green River Community College, BS Business Marketing, California Coast University, SHRM-SCP (in progress), MA HR Management (in progress)

Born and raised in St. Louis, Missouri, Elizabeth relocated to Washington when her father's Boeing position brought the family to the Puget Sound region, which she has called home ever since. She earned an A.A.S. in Broadcast Journalism from Green River Community College and a B.S. in Business Marketing from California Coast University.

As Human Resources Manager at The Retirement Solution, Elizabeth contributes over a decade of HR leadership experience, primarily within mission-driven and nonprofit sectors. Her focus centers on developing high-performing, values-aligned teams, enhancing operational effectiveness, and connecting HR strategies with organizational objectives. She serves as a strategic partner to leadership, influencing company culture, developing personnel initiatives, and establishing an environment where staff members flourish.

Elizabeth is committed to combining people-centered support with business strategy and dedicated to fostering workplaces where both performance and people thrive. Outside work, she hosts gatherings with family and friends and attends local Seattle-area performances. She is pursuing her SHRM-SCP certification and completing a master's degree in human resources management.

Profile: https://theretirementsolution.com/client-experience#elizabeth-tarbox

### Kristen O'Reilly

**Senior Administrative Assistant** · Brigham Young University

Kristen hails from Vancouver, Washington, where she developed a strong focus on family and outdoor activities. She attended Brigham Young University in Utah to develop her professional skills. Before joining The Retirement Solution, she worked at a denture laboratory while seeking employment with an organization offering learning opportunities and positive workplace relationships.

At TRS, she contributes as a Senior Administrative Assistant. Outside work, Kristen spends time with her husband Josh and their five children: two at home and three in college. She enjoys staying active, attending sporting events, and traveling, with aspirations to become exceptional grandparents in the future.

Profile: https://theretirementsolution.com/client-experience#kristen-oreilly

### Cindy Montelepre

**Financial Controller** · Accounting Degree

Originally from upper Michigan, Cindy relocated to the Pacific Northwest following military moves and established her home in the Seattle area. She holds an accounting degree and brings over two decades of experience supporting organizations across various sizes.

Her professional approach emphasizes relationship-focused work and transforming financial data into actionable insights. She demonstrates natural curiosity and commitment to continuous learning.

Outside work, Cindy enjoys time with her husband, college-aged son, and two pets, a Corgi and a cat. She pursues interests including travel, hosting gatherings, exploring the Pacific Northwest region, and reading.

Profile: https://theretirementsolution.com/client-experience#cindy-montelepre

### Alicia Molina

**Events Assistant Manager** · BA, Seattle University

Alicia contributes vibrant energy and determination to The Retirement Solution team. A graduate of Seattle University with a BA degree, she originally hails from El Salvador. Her background in the nonprofit sector has equipped her with skills in problem-solving and supporting others.

At TRS, Alicia particularly values working alongside a friendly, welcoming team of people. Beyond work, she enjoys spending time with her family (including her mother, grandmother, and aunt) as well as her cats. Her personal interests include dancing, singing, reading, and exploring new dining establishments. Ultimately, her primary goal is to live a happy and healthy life filled with laughter and smiles.

Profile: https://theretirementsolution.com/client-experience#alicia-molina

### Maddy Cart-Wright

**Marketing and Events Assistant** · BA Economics with Studio Art minor, Chapman University

Maddy, a Seattle native, brings together analytical skills and creative expertise to the TRS Marketing Team. She holds an Economics degree with a Studio Art minor from Chapman University, combining strategic thinking with a strong creative perspective for marketing work.

Her professional background includes an internship at a marketing agency in Dublin, Ireland and media planning experience in Seattle supporting clients like Amazon Fresh and BECU. She finds fulfillment in the way that marketing combines innovation with society through data-driven storytelling.

Beyond work, Maddy pursues creative and outdoor activities including drawing, painting, cooking, skiing, and camping. She seeks these experiences so that she may gain creative inspiration from her environment. Her aspiration involves traveling extensively and learning widely to help others. She is eager to contribute her ideas for impactful storytelling to TRS to help clients build their own retirement story.

Profile: https://theretirementsolution.com/client-experience#maddy-cart-wright

### Carolyn Sellar

**Events Specialist** · BS Primatology, University of Washington

Carolyn grew up in Hawaii, where natural beauty fostered her curiosity and passion for animals. She earned a BS in Primatology from the University of Washington in Seattle and worked as a zookeeper and global conservationist. This career path emphasized purposeful work and environmental protection.

She later transitioned into marketing, media, brand development, and events, discovering her talent for creating meaningful, community-building experiences. Her expertise spans program development, brand representation, and event production, enabling her to build thoughtful, engaging experiences that help organizations connect more meaningfully with their communities.

Outside work, Carolyn enjoys travel and time with family and friends. She is married with two Labrador Retrievers and aims to help create experiences and communities that make life richer, lighter, and more joyful for everyone.

Profile: https://theretirementsolution.com/client-experience#carolyn-sellar

### Laura Hunt

**Events Specialist** · AA Fashion Merchandising and Design, Southwest Art Institute, Nutritional Science Certification, Cornell

Laura was born in Vietnam and raised on a Missouri farm, which shaped her grounded perspective. She holds an associate degree in fashion merchandising and design from Southwest Art Institute, plus a nutritional science certification from Cornell. After living in Texas, Georgia, California, and Florida, she settled intentionally in Washington State and became involved in volunteer work serving underserved communities.

Her professional background spans fashion, media, and corporate environments, enabling her to create events that feel thoughtfully organized, creatively inspired, and genuinely welcoming to the diverse communities she serves. Laura is a mother of two daughters pursuing careers in tech and the arts. Her interests include thrift store treasure hunting, upcycling fashion finds, cooking, exploring cultural cuisines, attending concerts, and spending time with friends' cats. She remains committed to personal growth and modeling grounded values for her daughters.

Profile: https://theretirementsolution.com/client-experience#laura-hunt

## Articles

The TRS articles library covers retirement planning, Social Security, tax strategy, Medicare, estate planning, and lifestyle topics. Categories: Retirement, Investment, Social Security, Tax Planning, Medicare, Estate Planning, Lifestyle, Health, Podcast, Our Team, Planning.

### What the Fed's First Rate Cut of 2025 Means for Your Wallet, Mortgages and Investments

September 19, 2025 · Category: Investment

The Fed's September 2025 rate cut lowered mortgage rates to 6.26% and could impact savings, CDs, and investments.

Full article: https://theretirementsolution.com/articles/fed-rate-cut-2025-mortgages-savings-investments

### How the One Big Beautiful Bill Act of 2025 Changes Retirement Taxes

August 26, 2025 · Category: Tax Planning

Discover what the new One Big Beautiful Bill Act means for your retirement. Learn about the new senior deduction, estate tax changes, and investment rules.

Full article: https://theretirementsolution.com/articles/one-big-beautiful-bill-retirement-tax-changes

### Is Your Retirement Plan Ready for the 2025 Tax Law Changes?

August 26, 2025 · Category: Tax Planning

Learn how the new 2025 tax law affects retirement income, deductions, and estate planning. Get professional insight and download our free whitepaper.

Full article: https://theretirementsolution.com/articles/2025-tax-law-changes-retirement-planning

### 10 Active and Enriching Activities - Winter

November 26, 2024 · Category: Lifestyle

Discover fun and safe winter activities for seniors, from cozy indoor hobbies to outdoor adventures, with tips for all mobility levels.

Full article: https://theretirementsolution.com/articles/10-winter-activities

### The Bucket Planning Strategy: Your Key to a Reliable Retirement Plan

November 22, 2024 · Category: Planning

Create a retirement plan with bucket strategy to enjoy worry-free retirement. Watch a free course clip now!

Full article: https://theretirementsolution.com/articles/bucket-planning-strategy

### From Soldier to Financial Planner: Jim's Journey to Inspiring Others

November 7, 2024 · Category: Our Team

A former Army interrogator turned financial planner who emphasizes thorough strategic planning and specializes in helping veterans achieve financial security.

Full article: https://theretirementsolution.com/articles/jims-journey

### Navigating Medicare Changes for 2025: What Seniors Should Know

October 24, 2024 · Category: Medicare

Plan discontinuations, rising out-of-pocket costs, drug coverage shifts, network changes, and reduced supplemental benefits during open enrollment.

Full article: https://theretirementsolution.com/articles/navigating-medicare-changes-2025

### Ready for Retirement? Find Your Distribution Planner

October 11, 2024 · Category: Planning

Learn the difference between accumulation-focused planners and distribution specialists, and why it matters for your retirement income.

Full article: https://theretirementsolution.com/articles/find-your-distribution-planner

### 10 Active and Enriching Activities - Autumn

September 25, 2024 · Category: Lifestyle

Ten fall-themed activities including nature walks, pumpkin decorating, baking, crafting, gardening, book clubs, festivals, photography, and more.

Full article: https://theretirementsolution.com/articles/10-active-and-enriching-activities-autumn

### Summer Experiences: Explore Your Local Farmer's Markets

August 12, 2024 · Category: Lifestyle

Farmer's market exploration as community engagement, offering fresh local produce while supporting small-scale agricultural businesses.

Full article: https://theretirementsolution.com/articles/summer-experiences-local-farmers-markets

### Do You Need a Trust or a Will? 4 Questions to Ask

August 8, 2024 · Category: Estate Planning

Four essential questions to help you decide whether a trust or a will is the right choice for protecting your family and your assets.

Full article: https://theretirementsolution.com/articles/trust-or-a-will-4-questions

### Your Path to Early Retirement: How To Retire Early

July 18, 2024 · Category: Planning

A practical guide to retiring earlier than planned, covering savings targets, lifestyle adjustments, and income strategies.

Full article: https://theretirementsolution.com/articles/your-path-to-early-retirement-how-to-retire-early

### Navigating the Impact of Retirement Age on Benefits: What You Need to Know

July 10, 2024 · Category: Planning

How your retirement age affects Social Security, Medicare eligibility, and your overall benefits package.

Full article: https://theretirementsolution.com/articles/navigating-the-impact-of-retirement-age-on-benefits-what-you-need-to-know

### Understanding Retirement Age Trends and Statistics: Insights for Planning Your Future

July 10, 2024 · Category: Planning

Data-driven insights into when Americans actually retire, and what the trends mean for your own planning.

Full article: https://theretirementsolution.com/articles/understanding-retirement-age-trends-and-statistics

### Embrace Summer: 10 Active and Enriching Activities

June 26, 2024 · Category: Lifestyle

Summer activity ideas for retirees looking to stay active, social, and engaged during the warmer months.

Full article: https://theretirementsolution.com/articles/10-active-and-enriching-summer-activities

### Strategies for Passing Money Down to Heirs

June 21, 2024 · Category: Estate Planning

Smart approaches to transferring wealth to the next generation while minimizing tax impact and protecting your legacy.

Full article: https://theretirementsolution.com/articles/strategies-for-passing-money-down-to-heirs

### A Complete Guide to Estate Planning

June 17, 2024 · Category: Estate Planning

Everything you need to know about building a comprehensive estate plan that protects your family and your wishes.

Full article: https://theretirementsolution.com/articles/a-complete-guide-to-estate-planning

### Estate Planning Basics

June 17, 2024 · Category: Estate Planning

A beginner-friendly introduction to estate planning: what it is, why it matters, and where to start.

Full article: https://theretirementsolution.com/articles/estate-planning-basics

### Protecting Your Grandkids' Future: Tips for Saving Money for College

June 17, 2024 · Category: Planning

Practical strategies for grandparents looking to contribute to their grandchildren's education fund.

Full article: https://theretirementsolution.com/articles/protecting-your-grandkids-future-tips-for-saving-money-for-college

### Understanding Wills vs Trusts

June 17, 2024 · Category: Estate Planning

A clear comparison of wills and trusts to help you make the right estate planning decision for your situation.

Full article: https://theretirementsolution.com/articles/understanding-wills-vs-trusts

### Flat-Fee vs. Commission-Based Financial Advisors

June 10, 2024 · Category: Planning

How your advisor gets paid changes the advice you get. Here's how flat-fee and commission-based models compare on transparency and trust.

Full article: https://theretirementsolution.com/articles/flat-fee-vs-commission-based-financial-advisors

### Navigating the World of Ear Health: Insights from Dr. Hillary R. Perry

March 7, 2024 · Category: Health

A comprehensive guide exploring hearing loss types, hearing aids, tinnitus management, and future hearing technology through insights from audiologist Dr. Hillary R. Perry.

Full article: https://theretirementsolution.com/articles/navigating-the-world-of-ear-health-insights-from-dr-hillary-r-perry

### Your Social Security Survivor Benefits

February 7, 2024 · Category: Social Security

Understanding Social Security Survivor benefits (who qualifies, how they're calculated, and how to apply) so your family has support when it's needed most.

Full article: https://theretirementsolution.com/articles/your-social-security-survivor-benefits

### The Electric Car Tax Break You Could Be Missing Out On

October 4, 2023 · Category: Tax Planning

A new clean vehicle tax credit can put up to $7,500 back in your pocket when you buy a qualifying EV or fuel cell vehicle in 2023 or later.

Full article: https://theretirementsolution.com/articles/the-electric-car-tax-break-you-could-be-missing-out-on

### Six Rules for Successful Investing with Your Non-Retirement Funds

July 14, 2021 · Category: Investment

Explore six essential rules for investing non-retirement funds, including maximizing tax advantages, holding investments long-term, and leveraging capital losses effectively.

Full article: https://theretirementsolution.com/articles/six-rules-for-successful-investing-with-your-non-retirement-funds

### Why Kayaking Can Be the Perfect Retirement Hobby

June 1, 2021 · Category: Lifestyle

Kayaking offers retirees an accessible way to enjoy quality time with spouses or pets, connect with nature, and explore new interests while staying active at their own pace.

Full article: https://theretirementsolution.com/articles/why-kayaking-can-be-the-perfect-retirement-hobby

### Six Common Issues That Can Cause Stressful Inheritance Disputes

May 19, 2021 · Category: Estate Planning

Estate planning is not fun, but it's essential. Six common issues that cause inheritance disputes, and how proper planning and communication can avoid them.

Full article: https://theretirementsolution.com/articles/six-common-issues-that-can-cause-stressful-inheritance-disputes

### Volunteering in Retirement: How to Give Back

April 8, 2021 · Category: Lifestyle

Leaving behind your work life is thrilling yet intimidating for retirees. Volunteering allows you to give back to your community and pursue passion projects while finding fulfillment in your golden years.

Full article: https://theretirementsolution.com/articles/volunteering-in-retirement-how-to-give-back

### 7 Secrets for a Long and Prosperous Retirement

March 10, 2021 · Category: Lifestyle

A long, prosperous retirement depends on far more than your bank balance. Here are seven habits that shape a fulfilling next chapter.

Full article: https://theretirementsolution.com/articles/long-prosperous-retirement

### How to live within your means without restriction

February 10, 2021 · Category: Lifestyle

Learn strategies to live within your means without feeling restricted. Discover practical tips including cutting recurring expenses, repairing money leaks, and setting financial goals.

Full article: https://theretirementsolution.com/articles/how-to-live-within-your-means-without-restriction

### Medicare Fall Open Enrollment: 7 Things You Didn't Know

September 23, 2020 · Category: Medicare

When your needs change, Medicare fall open enrollment is the window to adjust your coverage. Here are seven things to know before you do.

Full article: https://theretirementsolution.com/articles/medicare-fall-open-enrollment-7-things-you-didnt-know

### Nine Social Security Facts You Probably Didn't Know

September 10, 2020 · Category: Social Security

Anyone who works in the United States pays into Social Security. About 65 million Americans are currently receiving Social Security benefits.

Full article: https://theretirementsolution.com/articles/nine-social-security-facts-you-probably-didnt-know

### Your Plan for Retirement in Tri-Cities, WA: Part 1

August 26, 2020 · Category: Retirement

Retirement in the Tri-Cities is more than financial planning. Here's why a transition coach matters as much as a balanced portfolio.

Full article: https://theretirementsolution.com/articles/your-plan-for-retirement-in-tri-cities-wa-part-1

### Finding Balance and Happiness After Retirement in Denver, CO

August 19, 2020 · Category: Lifestyle

You've built a solid retirement plan, but have you considered the mental, physical, social, and spiritual side of life after work?

Full article: https://theretirementsolution.com/articles/finding-balance-and-happiness-after-retirement-in-denver-co

### The Denver, CO Hiking Guide for Active Seniors

August 19, 2020 · Category: Lifestyle

A guide for active seniors in Colorado on how to safely and confidently enjoy hiking and backpacking in the Denver area and Rocky Mountains.

Full article: https://theretirementsolution.com/articles/the-denver-co-hiking-guide-for-active-seniors

### HSA vs. FSA: What's the Difference?

July 29, 2020 · Category: Health

Both accounts are federal government programs designed to help pay for medical expenses that aren't covered by insurance. Here's how HSAs and FSAs differ.

Full article: https://theretirementsolution.com/articles/hsa-vs-fsa-whats-the-difference

### Retirement bucket list: 10 Things to do before retirement

June 18, 2020 · Category: Planning

Many people have bucket lists of things they want to do before they die. However, it's just as important to make sure that you have some things sorted out before you retire, as well.

Full article: https://theretirementsolution.com/articles/retirement-bucket-list-10-things-to-do-before-retirement

### What to Do with Your Retirement Accounts During an Employment Lapse

June 3, 2020 · Category: Retirement

When you leave your job, you have several options for managing your retirement accounts. Many of which can put you in a stronger financial situation.

Full article: https://theretirementsolution.com/articles/what-to-do-with-your-retirement-accounts-during-an-employment-lapse

### Lose Your Job but Not Ready to Retire? Here's What to Do Next

April 22, 2020 · Category: Planning

With current market conditions, many Americans are losing their jobs. Here's what we recommend you do to ensure your future financial well-being.

Full article: https://theretirementsolution.com/articles/lose-your-job-but-not-ready-to-retire-heres-what-to-do-next-paying-off-your-debt-or-investing-which-is-best-2

### Is early retirement right for you? Consider these things first

December 4, 2019 · Category: Planning

Before you clock out for the last time and head for Boca Raton, we want to share some important information with you about retiring early.

Full article: https://theretirementsolution.com/articles/is-early-retirement-right-for-you-consider-these-things-first

### Types of Financial Professional Designations and Certifications: What You Should Consider When Selecting an Advisor

November 19, 2019 · Category: Planning

A breakdown of the most common financial designations and certifications (CFP, ChFC, CFA, CPA, FRM, FMVA) and how to choose the right advisor.

Full article: https://theretirementsolution.com/articles/types-of-financial-professional-designations-and-certifications

### How to Painlessly Downsize Your Lifestyle for Retirement

November 6, 2019 · Category: Lifestyle

As you approach retirement, downsizing can reduce housing costs, eliminate time-intensive maintenance, and free up your time, with several other benefits too.

Full article: https://theretirementsolution.com/articles/downsize-your-lifestyle-for-retirement

### Part-Time Jobs in Retirement

October 7, 2019 · Category: Retirement

Explore part-time job opportunities in retirement to supplement benefits, meet new people, and pursue your passions across various career paths and lifestyles.

Full article: https://theretirementsolution.com/articles/part-time-jobs-in-retirement

### Best Work-From-Home Jobs for Retirees

September 12, 2019 · Category: Lifestyle

Looking for extra income in retirement? Here are the best work-from-home opportunities, from consulting and tutoring to blogging and virtual assistant work.

Full article: https://theretirementsolution.com/articles/best-work-from-home-jobs-for-retirees

### 6 Strategies to Help Entrepreneurs Save for Retirement

April 23, 2019 · Category: Planning

Entrepreneurs face unique retirement challenges without corporate benefits. Here are six strategies (from tax-advantaged accounts to automation) to help you save.

Full article: https://theretirementsolution.com/articles/6-strategies-to-help-entrepreneurs-save-for-retirement

### Retirement Budgeting 101: How to Create a Retirement Budget

April 11, 2019 · Category: Planning

Developing a retirement budget can help you worry less and have more fun during your golden years. Learn simple steps to creating the ultimate retirement budget.

Full article: https://theretirementsolution.com/articles/retirement-budgeting-101-how-to-create-a-retirement-budget

### 6 Questions to ask before you retire

February 13, 2019 · Category: Retirement

Retirement is a big life change! Before you retire, consider these 6 essential questions about spending your time, healthcare, lifestyle costs, income replacement, taxes, and partner compatibility.

Full article: https://theretirementsolution.com/articles/6-questions-to-ask-before-you-retire

### Episode 25 – Meet The Retirement Solution Family with COO Carin Sevigny

December 26, 2018 · Category: Podcast

Meet Carin Sevigny, COO of The Retirement Solution. Carin shares her journey from hospitality to finance and what her role entails.

Full article: https://theretirementsolution.com/articles/episode-25-meet-the-retirement-solution-family-with-coo-carin-sevigny

### December 17, 2018: Why Did Markets Struggle Last Week?

December 17, 2018 · Category: Investment

Last week brought more volatility to the markets, with the S&P 500, Dow, and NASDAQ all ending lower amid global growth concerns.

Full article: https://theretirementsolution.com/articles/december-17-2018-why-did-markets-struggle-last-week

### March 26th, 2018 – Stocks Drop as Tariffs Rise

March 26, 2018 · Category: Investment

Markets experienced significant declines last week as trade war concerns triggered by new tariffs on China rattled investors across all major domestic indexes.

Full article: https://theretirementsolution.com/articles/march-26th-2018-stocks-drop-tariffs-rise

### Things Women Should Know About Social Security

August 26, 2020 · Category: Social Security

Social Security has helped American women for 80+ years. Here's what every woman should know to claim every benefit she's eligible for.

Full article: https://theretirementsolution.com/articles/things-women-should-know-about-social-security

### Your Plan for Retirement in Tri-Cities, WA: Part 2

August 25, 2020 · Category: Retirement

Now that you've retired in the Tri-Cities, here's a guide to day trips, weekend getaways, and the best of Yakima and Spokane.

Full article: https://theretirementsolution.com/articles/your-plan-for-retirement-in-tri-cities-wa-part-2

### Your Plan for Retirement in Tri-Cities, WA: Part 3

August 24, 2020 · Category: Retirement

From boating on the Columbia to wine tasting on Red Mountain. A local guide to enjoying the Tri-Cities lifestyle in retirement.

Full article: https://theretirementsolution.com/articles/your-plan-for-retirement-in-tri-cities-wa-part-3

### Retirement Expenses: Top 7 Money Wasters

March 11, 2020 · Category: Retirement

Even savvy savers can overspend in retirement. Here are seven common money wasters and practical ways to cut them.

Full article: https://theretirementsolution.com/articles/retirement-expenses-top-7-money-wasters

### What Should You Do With Your Old 401(k)?

January 2, 2020 · Category: Retirement

Leave it, move it, roll it over, or cash it out. A clear breakdown of your four options for handling an old 401(k).

Full article: https://theretirementsolution.com/articles/what-should-you-do-with-your-old-401k

### 9 Costly Medicare Mistakes You Can Avoid

June 6, 2019 · Category: Medicare

Costly Medicare mistakes are avoidable. Here are nine common missteps and how a little research can help you sidestep them.

Full article: https://theretirementsolution.com/articles/9-costly-medicare-mistakes-you-can-avoid

### 6 Medicare Facts Every Retiree Should Know

May 22, 2019 · Category: Medicare

Health care is one of the biggest pieces of retirement planning. Here are six Medicare facts every retiree should know before they enroll.

Full article: https://theretirementsolution.com/articles/6-medicare-facts-every-retiree-should-know

### The Best Travel Tips for Retirees on a Budget

May 9, 2019 · Category: Lifestyle

Travel in retirement can be both rich and affordable. Here are simple tips to stretch your travel budget further on every trip.

Full article: https://theretirementsolution.com/articles/the-best-travel-tips-for-retirees-on-a-budget

### How to Properly Plan for a Forced Early Retirement

April 18, 2019 · Category: Planning

Over half of workers over 50 face a forced early retirement. Here are seven steps to plan now and protect your future income.

Full article: https://theretirementsolution.com/articles/how-to-properly-plan-for-a-forced-early-retirement

### How to Recover From a Financial Disaster Without Throwing Your Retirement Off Course

April 3, 2019 · Category: Planning

A financial setback doesn't have to derail retirement. Here's a calm, step-by-step path back to a plan that works.

Full article: https://theretirementsolution.com/articles/how-to-recover-from-a-financial-disaster-without-throwing-your-retirement-off-course

### 5 Life Events That Impact Your Finances in a Big Way

February 27, 2019 · Category: Planning

Marriage, kids, loss, job changes, retirement: five life events that reshape your finances, and how to plan for each.

Full article: https://theretirementsolution.com/articles/5-life-events-that-impact-your-finances-in-a-big-way

### 7 Ways Your Financial Planner Pays for Themselves

January 17, 2019 · Category: Planning

From tax strategy to peace of mind: seven ways a financial planner delivers value that often outweighs the fees.

Full article: https://theretirementsolution.com/articles/7-ways-your-financial-planner-pays-for-themselves

### How to Help Your Adult Children Without Them Bankrupting Your Retirement

December 3, 2018 · Category: Planning

Helping your adult children doesn't have to mean draining your retirement. Here's how to support them with knowledge instead of cash.

Full article: https://theretirementsolution.com/articles/kids-bankrupting-your-retirement

### Interesting Facts You Need To Know About Life Insurance

May 3, 2023 · Category: Planning

Life insurance still plays a role in retirement, from replacing a spouse's income to covering estate taxes and final expenses. Here's what to consider.

Full article: https://theretirementsolution.com/articles/interesting-facts-you-need-to-know-about-life-insurance

### Medigap Basics: Everything You Should Know About Medigap

October 7, 2020 · Category: Medicare

Medigap fills the gaps Medicare leaves behind. Here's what each plan covers, when to enroll, and how to choose the right policy.

Full article: https://theretirementsolution.com/articles/medigap-basics-everything-you-should-know-about-medigap

### Should You Worry About Your Credit Score in Retirement?

January 29, 2020 · Category: Planning

Retiring doesn't directly affect your credit score, but smaller income, big purchases, and lifestyle changes can. Here's how to protect it.

Full article: https://theretirementsolution.com/articles/should-you-worry-about-your-credit-score-in-retirement

## Upcoming seminars and client events

### Taxes in Retirement Seminar

Date: 2026-04-28 · Location: Mercer Island
Venue: Mercer Island Community Center
Address: 8236 SE 24th St, Mercer Island, WA 98040

Realize the potential impact taxes have on your retirement income. Join us for an educational seminar covering Taxes in Retirement, including the new tax changes.

Details and registration: https://theretirementsolution.com/event/mercer-island-taxes-in-retirement-seminar-2pm-5

### Estate Planning Seminar

Date: 2026-04-29 · Location: Richland
Venue: The Reach Museum
Address: 1943 Columbia Park Trail, Richland, WA 99352

Discuss sound financial strategies that could help preserve more of your wealth and assets for your heirs and charitable causes, including threats to wealth preservation and how to avoid probate.

Details and registration: https://theretirementsolution.com/event/richland-estate-planning-seminar-2pm

### Taxes in Retirement Seminar

Date: 2026-05-15 · Location: Kennewick
Venue: Carousel of Dreams
Address: 2901-F Southridge Blvd, Kennewick, WA 99338

Realize the potential impact taxes have on your retirement income. Join us for an educational seminar covering Taxes in Retirement, including the new tax changes.

Details and registration: https://theretirementsolution.com/event/kennewick-taxes-in-retirement-seminar-2pm-4

## Regulatory

The Retirement Solution, LLC is a SEC-registered Investment Adviser, CRD# 148106. SEC registration does not constitute an endorsement of the advisory firm by the SEC, nor does it indicate that the advisory firm has attained a particular level of skill or ability.

The firm operates under a fiduciary standard of care for all clients, not only those with retirement accounts. This means the firm has a legal duty to act in the client's best interest.

- Form ADV (Firm Brochure): https://adviserinfo.sec.gov/firm/summary/148106
- Form CRS (Client Relationship Summary): https://reports.adviserinfo.sec.gov/crs/crs_148106.pdf
- FINRA BrokerCheck: https://brokercheck.finra.org/firm/summary/148106

## Disclosure

All content available on theretirementsolution.com is general in nature, not directed or tailored to any particular person, and is for informational purposes only. Neither the website nor any of its content is offered as investment advice and should not be deemed as investment advice or as a recommendation to purchase or sell any specific security.

The information herein reflects the opinions and projections of The Retirement Solution, LLC as of the date hereof, which are subject to change without notice at any time. The Retirement Solution, LLC does not represent that any opinion or projection will be realized. Past performance is not a guarantee of future results.

Neither this website nor its contents should be construed as legal, tax, or other advice. Individuals are urged to consult with their own tax or legal advisers before entering into any advisory contract.