Top retirement income strategy financial advisors in Port Townsend, WA
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
You might be planning how to draw income from your savings and investments to last through retirement, especially if you want to avoid running out of money too soon. A common mistake is not accounting for taxes and spending needs over many years, which can lead to unexpected shortfalls.
- Tax-aware withdrawal plans. Ask how they factor in federal taxes and Washington's capital gains tax when planning your income streams.
- Spending flexibility. Confirm how they adjust your income plan if your expenses or market returns change unexpectedly.
- Longevity risk management. See if they consider how to make your money last if you live longer than average.
- Income source coordination. Check how they balance Social Security, pensions, and investment withdrawals to optimize your cash flow.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Randall R
CFP®, Series 66
Greenbank, WA
Equitable Advisors
Randall Robichaud specializes in retirement income strategy and Social Security optimization, making him well-suited for clients planning income streams in retirement. Based in Greenbank, WA, he is a CFP®-certified advisor with six years of experience at Equitable Advisors, a large firm serving high-net-worth clients, offering flexible fee structures including AUM and hourly rates.
Experience: 6 years
Avg account: $609,299
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Barbara K
Series 63, Series 65
Freeland, WA
Cambridge Investment Research Advisors
Barbara Kubesh's 37 years of experience and expertise in retirement income strategy, annuities, and retirement plans for business owners make her well-equipped to address retirement income needs in the Port Townsend area. Affiliated with Cambridge Investment Research Advisors, a large firm offering flat-fee and AUM-based pricing, she serves diverse clients including executives and retirees, providing financial planning and portfolio management with a seasoned approach.
Experience: 38 years
Avg account: $378,281
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Stephen S
CFP®, Series 66
Port Townsend, WA
Edward Jones
Stephen Sklar specializes in retirement income strategy and is CFP®-certified, bringing 10 years of experience to clients in Port Townsend, WA. He works with Edward Jones, a large firm managing over $1 trillion in assets, offering a broad range of investment strategies and a program fee up to 1.35% annually, which may suit those seeking comprehensive wealth management with a focus on tax-aware withdrawal plans.
Experience: 11 years
Avg account: $246,728
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Leonard R
Series 66
Oak Harbor, WA
Merrill
Leonard Radziwanowicz specializes in retirement income strategy and wealth management, offering tax-efficient, goals-based plans that coordinate with clients' tax and legal advisors to optimize income streams. With over 23 years of experience, a CFP designation, and a background as a U.S. Coast Guard Officer, he serves affluent clients including executives and business owners near Port Townsend, WA, providing personalized strategies through Merrill's large-firm resources.
Experience: 23 years
Avg account: $860,085
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Stephanie G
CFP®, Series 63, Series 65
Port Townsend, WA
Commonwealth Financial Network
Stephanie Gale's 30 years of experience and CFP® certification equip her to develop retirement income strategies that consider tax implications and spending flexibility. Affiliated with Commonwealth Financial Network, a large firm supporting nearly 3,000 advisors, she offers flat-fee consulting alongside active portfolio management and tax-loss harvesting, distinguishing her with comprehensive wealth management services in Port Townsend, WA.
Experience: 30 years
Avg account: $568,323
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