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# Independent Investment Advisors

Independent, Fiduciary & Fee-Only Advisor

## Sitemaps

- [XML Sitemap](https://independentadvisorsnw.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Advisor Q&A: How to guide to tax optimized investing. Tax deductions and incentives.](https://independentadvisorsnw.com/advisor-qa-how-to-guide-to-tax-optimized-investing-tax-deductions-and-incentives/) - There are several tax deductions and incentives available for individuals planning for retirement and educational expenses.
- [The One Big, Beautiful Bill Act: What It Means for Your Financial and Tax Planning](https://independentadvisorsnw.com/the-one-big-beautiful-bill-act-what-it-means-for-your-financial-and-tax-planning/) - Understand the key tax, estate, and retirement planning changes under the One Big Beautiful Bill Act & how they may affect high-income professionals & retirees
- [Last-Minute Tax Strategies: IRA and HSA Contributions Before the Filing Deadline](https://independentadvisorsnw.com/last-minute-tax-strategies-ira-and-hsa-contributions-before-the-filing-deadline/) - Learn how IRA & HSA contributions before the tax filing can reduce taxable income & strengthen retirement savings. Review limits, eligibility, and strategies.
- [A Fresh Look at Trump Savings Accounts for Families](https://independentadvisorsnw.com/a-fresh-look-at-trump-savings-accounts-for-families/) - Planning ahead for a child’s financial wellbeing is a priority for many families. Whether parents are thinking about future education expenses, saving for a first home, or wanting to give their child a head start, long-term savings tools can play a major role.
- [Fed Takes a Cautious Pause: Understanding the January 2026 Interest Rate Decision](https://independentadvisorsnw.com/fed-takes-a-cautious-pause-understanding-the-january-2026-interest-rate-decision/) - Federal Reserve kicked off 2026 with careful and deliberate move, choosing to keep interest rates unchanged after lowering them several times at the end of 2025.
- [February 2026 Financial Market Update: A Fresh Look at Recent Trends](https://independentadvisorsnw.com/february-2026-financial-market-update-a-fresh-look-at-recent-trends/) - January brought another month of steady economic momentum across the United States, marked by strong household spending and ongoing strength in the services sector.
- [Protecting Your Wealth: Estate Planning Essentials for Tech Families](https://independentadvisorsnw.com/protecting-your-wealth-estate-planning-essentials-for-tech-families/) - Discover essential estate planning strategies for tech professionals in Portland, Hillsboro & Beaverton. Protect your equity, assets, and legacy today.
- [MSN Article: Goran Ognjenovic Wealth Management Blueprint: Charting a Path to Secure Retirement](https://independentadvisorsnw.com/goran-ognjenovic-featured-in-a-msn-article-wealth-management-blueprint-charting-a-path-to-secure-retirement-december-8th-2023/) - In an era where financial security in retirement is increasingly a societal concern, Goran Ognjenovic, founder and principal advisor of Independent Investment Advisors, emerges as a key figure in navigating these turbulent waters. With a career spanning over 18 years, Ognjenovic has established himself as an authority in wealth management, particularly in the critical areas
- [ETF.com: Recognized as a Top 100 Financial Advisor by ETF.com!](https://independentadvisorsnw.com/exciting-news-recognized-as-a-top-100-financial-advisor-by-etf-com/) - I am honored to share that I have been named to the ETF.com Leaders Top 100 Financial Advisors List!
- [Nasdaq.com: Goran Ognjenovic on Holistic Approach to Wealth Management for Financial Success](https://independentadvisorsnw.com/goran-ognjenovic-featured-in-a-nasdaq-article-a-holistic-approach-to-wealth-management-for-financial-success-march-5th-2024/) - Sustained financial success requires a nuanced strategy that extends beyond basic investment decisions. Embracing a holistic perspective on wealth management, which encompasses financial planning, investment strategy, and tax optimization, is crucial for attaining enduring financial prosperity and stability. The Pillars of Holistic Wealth Management Financial Planning: The foundation of any successful wealth management strategy is
- [How to Teach Kids About Money: A Guide to Raising Financially Savvy Children](https://independentadvisorsnw.com/how-to-teach-kids-about-money-a-guide-to-raising-financially-savvy-children/) - Learn how to teach kids about money with age-appropriate tools, allowance strategies, investing, digital apps. Start education early and build lifelong skills.
- [Tech Stocks & Your Portfolio: How to Avoid Overconcentration Risk](https://independentadvisorsnw.com/tech-stocks-your-portfolio-how-to-avoid-overconcentration-risk/) - For many technology professionals, company stock is a significant wealth-building tool. (RSUs), Stock Options, (ESPPs), can lead to substantial gains.
- [The "Great Resignation"](https://independentadvisorsnw.com/the-great-resignation/) - Headlines are calling it the "Great Resignation"! Pandemic threw assumptions out of the window. It caused us to think about things. Where we work. How we work. What work means.
- [USA Today: Goran Ognjenovic on Life Holistic Wealth Management](https://independentadvisorsnw.com/goran-ognjenovic-featured-in-a-usa-today-article-independent-investment-advisors-offers-a-holistic-approach-to-wealth-management-aug-27th-2024/) - It takes a lot of time and hard work to build wealth, but only a moment to lose it. High-earners and small business owners underestimate the effort it takes.
- [New Hampshire investigates Merrill Lynch after clients allege $200 million in damages](https://independentadvisorsnw.com/new-hampshire-investigates-merrill-lynch-after-clients-allege-200-million-in-damages/) - Here is another one. This one is a high profile Investment/Finacial Advisor horror story involving no less than a state governor and a well-known asset manager.
- [How to find a financial advisor who won't make your money disappear?](https://independentadvisorsnw.com/how-to-find-a-financial-advisor-who-wont-make-your-money-disappear/) - The best advice we can give is to choose your advisor carefully and personalize the relationship. Please get to know them, their families, and their values
- [How does an individual's risk tolerance influence their tax-efficient retirement and investment decisions?](https://independentadvisorsnw.com/how-does-an-individuals-risk-tolerance-influence-their-tax-efficient-retirement-and-investment-decisions/) - An individual's risk tolerance plays a significant role in shaping their tax-efficient retirement and investment decisions. Risk tolerance reflects an individual's willingness and ability to endure fluctuations.
- [Tax Law Shifts: Adapt Your Retirement & Investment Plan](https://independentadvisorsnw.com/advisor-qa-how-do-you-help-your-clients-adjust-their-retirement-and-investment-strategies-in-response-to-evolving-tax-laws/) - Discover expert tips on adjusting your retirement and investment strategies amid evolving tax laws. Learn how to maximize benefits and secure financial future.
- [Goran Ognjenovic on Mastering Wealth: A CEO Weekly Feature](https://independentadvisorsnw.com/goran-ognjenovic-featured-in-a-ceo-weekly-article-mastering-wealth-with-ognjenovics-strategic-insights-sep-9th-2024/) - Independent Investment Advisors has made a name for itself with its holistic and tailored approach to serving high-net-worth individuals and families.
- [Forbes Spotlight: Goran Ognjenovic on Inspiring Customer-Success Strategies](https://independentadvisorsnw.com/goran-ognjenovic-featured-in-a-forbes-article-3-strategies-for-small-businesses-to-remain-customer-centric-may-15th-2024/) - How a company treats its clients is a top concern, with 94% of people saying it’s the top thing they consider when deciding whether to do business with someone.
- [No Man Ever Steps in the Same River Twice: The Danger of "The Market Always Does" Thinking](https://independentadvisorsnw.com/no-man-ever-steps-in-the-same-river-twice/) - The market is never static. The belief that "the market always does" something may lead to false confidence and misinformed strategies.
- [What advice would you give to someone seeking to minimize taxes while maximizing retirement and investment savings?](https://independentadvisorsnw.com/what-advice-would-you-give-to-someone-seeking-to-minimize-taxes-while-maximizing-retirement-and-investment-savings/) - Minimizing taxes while maximizing retirement and investment savings requires a thoughtful and strategic approach to financial planning. Here are several pieces of advice.
- [What are the enduring benefits of incorporating tax-efficient methods in retirement and investment portfolios?](https://independentadvisorsnw.com/what-are-the-enduring-benefits-of-incorporating-tax-efficient-methods-in-retirement-and-investment-portfolios/) - Incorporating tax-efficient methods in retirement and portfolios can offer enduring benefits that positively impact an individual's financial well-being long term.
- [Advisor Q&A: How to guide to tax optimized investing. Understand tax-advantaged retirement accounts.](https://independentadvisorsnw.com/advisor-qa-how-to-guide-to-tax-optimized-investing-understand-tax-advantaged-retirement-accounts/) - Understanding tax-advantaged retirement accounts is crucial for planning for retirement. Accounts offer tax benefits and incentives to encourage saving for the future.
- [Advisor Q&A: How to guide to tax optimized investing. Portfolio tax efficiency in retirement and investment strategies.](https://independentadvisorsnw.com/advisor-qa-how-to-guide-to-tax-optimized-investing-portfolio-tax-efficiency-in-retirement-and-investment-strategies/) - Diversification in a portfolio can support tax efficiency in retirement and investment strategies through several key mechanisms. Here's how diversification contributes to tax efficiency.
- [Advisor Q&A: How to guide to tax optimized investing. Examples of strategies that combine tax efficiency with effective retirement planning.](https://independentadvisorsnw.com/advisor-qa-how-to-guide-to-tax-optimized-investing-examples-of-strategies-that-combine-tax-efficiency-with-effective-retirement-planning/) - Combining tax efficiency with effective retirement planning involves strategies that optimize the tax impact of investment decisions.
- [Advisor Q&A: How to guide to tax optimized investing. Selecting tax-advantaged retirement and investment options.](https://independentadvisorsnw.com/advisor-qa-how-to-guide-to-tax-optimized-investing-selecting-tax-advantaged-retirement-and-investment-options/) - What should investors consider when selecting tax-advantaged retirement and investment options? Selecting tax-advantaged retirement and investment options, investors should consider a variety of factors.
- [Advisor Q&A: How to guide to tax optimized investing. Tax-deferred and tax-exempt investments.](https://independentadvisorsnw.com/advisor-qa-how-to-guide-to-tax-optimized-investing-tax-deferred-and-tax-exempt-investments/) - How do tax-deferred and tax-exempt investments differ, especially in the context of retirement planning? Tax-deferred and tax-exempt investments differ in how they are taxed.
- [Advisor Q&A: How to guide to tax optimized investing. Investment options that offer both retirement benefits and tax advantages.](https://independentadvisorsnw.com/advisor-qa-how-to-guide-to-tax-optimized-investing-investment-options-that-offer-both-retirement-benefits-and-tax-advantages/) - Can you discuss investment options that offer both retirement benefits and tax advantages? There are several options that offer both retirement benefits and tax advantages.
- [Advisor Q&A: How to guide to tax optimized investing. Tax-deductible Strategies.](https://independentadvisorsnw.com/advisor-qa-how-to-guide-to-tax-optimized-investing-tax-deductible-strategies/) - How do tax-deductible strategies specifically aid in retirement and investment planning? Tax-deductible strategies play a crucial role in retirement and investment planning by providing individuals with opportunities to reduce their taxable income, increase savings, and optimize their financial portfolios. Here are several ways in which tax-deductible strategies can be advantageous: Deferred Taxation: Contributions to certain
- [Independent Investment Advisors Receives 2023 Best of Portland Award - Financial Planner](https://independentadvisorsnw.com/independent-investment-advisors-receives-2023-best-of-portland-award-financial-planner/) - For two consecutive years, Independent Investment Advisors has been selected for the 2023 Best of Portland Award in the Financial Planner category.
- [Independent Investment Advisors Receives Financial Advisory of the Year – Oregon Award](https://independentadvisorsnw.com/independent-investment-advisors-receives-financial-advisory-of-the-year-oregon-award/) - October, 2022 — Independent Investment Advisors has been selected for the 2022/23 Financial Advisory of the Year by the Corporate Livewire and LTG / USA
- [Why we think the Fed is still behind the curve](https://independentadvisorsnw.com/why-we-think-the-fed-is-still-behind-the-curve/) - Central bank’s primary goal is to tamp down inflation — which is running at a 40-year high — and that it will do what it takes to bring it closer to target.
- [Independent Investment Advisors Receives 2022 Best of Portland Award](https://independentadvisorsnw.com/independent-investment-advisors-receives-2022-best-of-portland-award/) - Independent Investment Advisors has been selected for the 2022 Best of Portland Award in the Financial Planner category by the Portland Award Program.
- [Welcome to 2022!](https://independentadvisorsnw.com/welcome-to-2022/) - May it bring us peace, prosperity, and a whole lotta love. And some greater certainty about what lies ahead. This email includes precious little certainty, but it does have kittens.
- [Inflation is High and Persistent](https://independentadvisorsnw.com/inflation-is-high-and-persistent/) - Analysts hoped that data blips, supply chain clogs, and other pandemic-related disruptions were creating a temporary spike in inflation that would resolve soon.
- [Wrestling with the unknown (+ uplifting news)](https://independentadvisorsnw.com/wrestling-with-the-unknown-uplifting-news/) - Let’s talk about omicron. Unsurprisingly, markets reacted badly to the news last Friday and gave us our worst market day for the year.2 Why?
- [Gratitude practice?](https://independentadvisorsnw.com/gratitude-practice/) - Instead of writing about politics, economy, or supply chain, I figured I'd change and write about something completely different. Let's talk about gratitude.
- [Latest on taxes](https://independentadvisorsnw.com/latest-on-taxes/) - Capitol Hill is producing more drama than Hollywood. We've got bold statements, ultimatums, cliff-hangers, and confusing sequels.
- [Storms ahead? What you need to know](https://independentadvisorsnw.com/storms-ahead-what-you-need-to-know/) - The stock market got a little crazy this week. Is a storm coming? Let's take a look at what's driving markets right now.
- [Taper tantrum part deux?](https://independentadvisorsnw.com/taper-tantrum-part-deux/) - Could the Fed's actions cause a correction or economic slowdown? Let's discuss. First of all, what does ”tapering” mean? Why is it a big deal?
- [We've come so far!](https://independentadvisorsnw.com/weve-come-so-far/) - We've recovered majority of jobs lost since pandemic's disruption. The economy is missing several million jobs to pre-pandemic levels, but we've made up a lot of ground.
- [A tale of two infrastructure deals](https://independentadvisorsnw.com/a-tale-of-two-infrastructure-deals/) - After weeks of grandstanding, posturing, and wrangling, it looks like a bipartisan infrastructure deal that both parties can live with is in the works.
- [Getting it wrong?](https://independentadvisorsnw.com/getting-it-wrong/) - What happens when the predictions are wrong? Is it time to panic? Is it time to ditch our strategy? It's fascinating because its what it means to live in an uncertain world.
- [Is the sky falling (again)?](https://independentadvisorsnw.com/is-the-sky-falling-again/) - This note was going to be about the $3.5 trillion budget deal or what to do with any child tax credits. But then global markets jolted on fears of new viral variants.
- [Tax worries? Info inside...](https://independentadvisorsnw.com/tax-worries-info-inside/) - Are you tired of hearing about taxes? Me too! But here we are. So, we've got dueling infrastructure bills, plus a big proposed budget with lots of spending.
- [$50 burgers (should we worry about inflation?)](https://independentadvisorsnw.com/50-burgers-should-we-worry-about-inflation/) - How much inflation can the country afford before we’re in trouble? Let’s discuss. First, let’s get on the same page about some basics.
- [How Are You Lying to Yourself About Money?](https://independentadvisorsnw.com/how-are-you-lying-to-yourself-about-money/) - Do you think you are telling yourself the truth about money? We may think we know the facts about our finances. But our beliefs can often overshadow the facts.
- [HOW TO SPRING CLEAN FOR A BETTER FINANCIAL LIFE](https://independentadvisorsnw.com/how-to-spring-clean-for-a-better-financial-life/) - “Financial clutter” is distracting, it makes it hard to see the progress you’re making toward your goals. It can hide problems until they become big and urgent.
- [5 Powerful Ways to Set Authentic Financial Goals In Uncertain Times](https://independentadvisorsnw.com/5-powerful-ways-to-set-authentic-financial-goals-in-uncertain-times/) - What is your biggest obstacle to achieving your goals in 2021? It’s not a lack of time or bad timing. It’s not age, ability, or finances. And it’s not even the coronavirus.
- [What Should You Do With Your Old 401(k) or Employer Plan?](https://independentadvisorsnw.com/what-should-you-do-with-your-old-401k-or-employer-plan/) - FREE Guide Reveals 5 Options for Old 401(k), 403(b), and some 457 Plans What Should You Do With Your Old 401(k) or Employer Plan? This FREE Guide will help you get crystal clear on which of these 5 options is right for you and the steps you should take next. Inside, you'll discover: The 5
- [How to Be a Smarter Investor in Uncertain Times](https://independentadvisorsnw.com/how-to-be-a-smarter-investor-in-uncertain-times/) - In a perfect world, logic would always guide our financial decisions. Emotions wouldn't come into play. But we don't live in a perfect world, far from it. That means our emotions impact our financial choices more than we realize.1 Shockingly as much as 95% of our purchase choices are made subconsciously, driven by our emotions—as
- [Q3 2020 – Quarterly Portfolio Review](https://independentadvisorsnw.com/q3-2020-quarterly-portfolio-review/) - Q2 of 2020 Quarterly review of the composition and the performance of several investment portfolios managed by our Investment Advisor
- [Borrowing From Your Retirement Plan: New CARES Act Rules](https://independentadvisorsnw.com/borrowing-from-your-retirement-plan-new-cares-act-rules/) - It’s been nearly half a year since Americans first became widely aware of the Coronavirus contagion within the United States. For a short month, it looked as if we had the virus in hand; since then, it has spread wildly out of control in many areas. In late March, Congress passed the Coronavirus Aid, Relief
- [Q4 2020 – Quarterly Portfolio Review](https://independentadvisorsnw.com/q4-2020-quarterly-portfolio-review/) - Q4 of 2020 Quarterly review of the composition and the performance of several investment portfolios managed by our Investment Advisor
- [Independent Investment Advisors featured by Bethany & Cedar Mill Living Magazine](https://independentadvisorsnw.com/independent-investment-advisors-bethany-cedar-mill-living-feature/) - We are thrilled to announce Independent Investment Advisors Bethany & Cedar Mill Living Feature. Our founder is featured as the local financial expert.
- [The Financial Quarterly Q1 2021](https://independentadvisorsnw.com/the-financial-quarterly/) - < back to Market Insights Blog The Financial Quarterly The Financial Quarterly 1st Quarter 2021 Goran Ognjenovichttps://independentadvisorsnw.comIndependent Investment Advisors(971) 350-8068 The first quarter of 2021 had a little bit of everything: politics, bubbles, meme stocks, rallies, and sudden drops. Let's take a look at how markets performed and what we might look forward to in
- [7 Little Upgrades that Can Make Life Better in Big Ways](https://independentadvisorsnw.com/7-little-upgrades-that-can-make-life-better-in-big-ways/) - What would make your life better? A new house or car? A bigger paycheck or bank account? It’s easy to want more when you think of being happier and living better.
- [THE 6 “HIDDEN” TAX SAVING OPPORTUNITIES OPENED UP BY NEW TAX RULES](https://independentadvisorsnw.com/the-6-hidden-tax-saving-opportunities-opened-up-by-new-tax-rules/) - The Tax Cut and Jobs Act (TCJA) passed at the end of 2017, and the SECURE (Setting Every Community Up for Retirement Enhancement) Act passed at the end of 2019 radically changed your tax picture.
- [Is Your Investment Portfolio Facing Volatile Markets?](https://independentadvisorsnw.com/is-your-investment-portfolio-facing-volatile-markets/) - Here Is A Simple Flowchart to Determine What (if Anything) You Should Do.
- [The Financial Quarterly Q4 2021](https://independentadvisorsnw.com/the-financial-quarterly-q4-2021/) - Markets delivered exceptional performance in a year that had a bit of everything: politics, bubbles, meme stocks, inflation, runaway rallies, and sudden drops.
- [The Financial Quarterly Q3 2021](https://independentadvisorsnw.com/the-financial-quarterly-q3-2021/) - Despite breaking multiple records, a rocky third quarter ended with a thud as concerns about inflation, political brawls, and viral variants weighed.
- [The Financial Quarterly Q2 2021](https://independentadvisorsnw.com/the-financial-quarterly-q2-2021/) - Markets delivered exceptional performance in a year that had a bit of everything: politics, bubbles, meme stocks, inflation, runaway rallies, and sudden drops.
- [Q2 2020 – Quarterly Portfolio Review](https://independentadvisorsnw.com/q2-2020-quarterly-portfolio-review/) - Q2 of 2020 Quarterly review of the composition and the performance of several investment portfolios managed by our Investment Advisor
- [Trading Equity Markets Around 2020 Election](https://independentadvisorsnw.com/trading-equity-markets-around-2020-election/) - Even as Joe Biden unveiled tax and business policies that are more moderate than initially expected, we are looking at substantially increased volatility in the equity markets as we approach the November election.
- [When Advisors Can't Access Your ETF?](https://independentadvisorsnw.com/when-advisors-cant-access-your-etf/) - For the advisor, however, it’s: Can they access the ETFs they want for their clients? That may sound like a given, but it’s far from it.
- [We are thrilled to announce our third managed portfolio program: Structured or Defined Outcome Portfolio](https://independentadvisorsnw.com/we-are-thrilled-to-announce-our-third-managed-portfolio-program-structured-or-defined-outcome-portfolio/) - This portfolio program is well suited for a general investment or savings portfolio—an investor looking to grow their investment at a moderate rate without a long-term investment horizon. Perhaps even for a real estate investor looking to diversify. The portfolio approach primarily consists of US registered index ETF’s and derivatives, more specifically, options. The portfolio
- [We expanded our custodian and technology provider agreements to include Wedbush Securities Institutional Advanced Clearing Services.](https://independentadvisorsnw.com/we-expanded-our-custodian-and-technology-provider-agreements-to-include-wedbush-securities-institutional-advanced-clearing-services/) - We are happy to announce that we have expanded our custodial network to include Wedbush Securities Institutional. As a clearing leader for over 40 years
- [We expanded our custodian and technology provider agreements to include Charles Schwab Institutional.](https://independentadvisorsnw.com/we-expanded-our-custodian-and-technology-provider-agreements-to-include-charles-schwab-institutional/) - We are happy to announce that we have expanded our custodial network to include Charles Schwab. Schwab is an industry leader —proudly supporting more independent advisors than any other custodian.
- [Our Trading-Tools API Engine Is Live](https://independentadvisorsnw.com/our-tradingtools-api-engine-is-live/) - We are thrilled to announce that after roughly 18 months of development, our Trading-Tools Real Tick API engine is live and performing as expected.
- [May 2020 Market(s) Insights: Economic Indicators](https://independentadvisorsnw.com/may-2020-markets-insights-economic-indicators/) - In this May 2020 Market(s) Insights analysis video, our Investment Advisor reviews the relevant economic indicators and stock market impacts.
- [May 2020 Market(s) Insights: Sample Portfolios](https://independentadvisorsnw.com/may-2020-markets-insights-sample-portfolios/) - In this May 2020 Market(s) Insights analysis video, our Portfolio Manager reviews how three of our sample portfolios performed.
- [House Democrats propose eliminating $10,000 limit on state and local tax deductions](https://independentadvisorsnw.com/house-democrats-propose-eliminating-10000-limit-on-state-and-local-tax-deductions/) - Oregon residents keep an eye on this development. With Oregon Income Tax around 10% for investors, property taxes, and municipal taxes, don’t make the cut
- [What are the election impacts on the equity markets?](https://independentadvisorsnw.com/what-are-the-election-impacts-on-the-equity-markets/) - Investment Advisors discussed how we are looking to manage client’s equity portfolios in 2020 as we approach the election later in the year
- [IRA to Roth IRA Conversion](https://independentadvisorsnw.com/ira-to-roth-ira-conversion/) - When markets are correcting is the perfect time to take a look at IRA to Roth IRA conversion. The tax impact of converting would be reduced.
- [Indicators and trends suggest that the U.S. equity market is starting to normalize.](https://independentadvisorsnw.com/indicators-and-trends-suggest-that-the-u-s-equity-market-is-starting-to-normalize/) - Indicators suggest that the U.S. equity market is starting to normalize. As an active trader, it’s a bittersweet moment as higher volatility is more profitable.
- [Market(s) Insights March 2020](https://independentadvisorsnw.com/markets-insights-march-2020/) - Investment Manager add's a bit of new content in the March video. We added economic Indicators and sample portfolios that we will be tracking moving forward.
- [February 2020 Markets Overview](https://independentadvisorsnw.com/february-2020-markets-overview/) - Investment Advisor reviews the February 2020 market sell-off and the importance of portfolio construction.
- [January 2020 Market Overview](https://independentadvisorsnw.com/january-2020-market-overview/) - Investment Advisor outlines where we are in the equity capital investment cycle and how he is looking to handle our equity weighted portfolios
- [How Roth IRA conversions can escalate capital gains taxes](https://independentadvisorsnw.com/how-roth-ira-conversions-can-escalate-capital-gains-taxes/) - A great article from Financial-Planning.com. A must-read for anyone considering the IRA to Roth conversion. https://www.financial-planning.com/news/how-roth-ira-conversions-can-escalate-capital-gains-taxes
- [House passes bill to lift $10,000 cap on state and local tax deductions](https://independentadvisorsnw.com/house-passes-bill-to-lift-10000-cap-on-state-and-local-tax-deductions/) - Oregon residents keep an eye on this development. With Oregon Income Tax around 10% for investors, property taxes, and municipal taxes, don’t make the cut
- [SEC steps in to prevent investors from buying the wrong Zoom](https://independentadvisorsnw.com/sec-steps-in-to-prevent-investors-from-buying-the-wrong-zoom/) - I honestly don’t even know what to say about this one. The old Wall Street adage rings true. People, people, you have to understand what you are trading. https://www.techradar.com/news/sec-steps-in-to-prevent-investors-from-buying-the-wrong-zoom

## Pages

- [Tax Optimization Strategies for High Earners](https://independentadvisorsnw.com/homepage/education/tax-optimization-strategies-for-high-earners/) - Discover top tax-saving strategies for professionals and business owners. Reduce taxable income and grow wealth efficiently!
- [Free Financial Planning Resources and Decision Guides](https://independentadvisorsnw.com/resources/) - Access free financial planning flowcharts, checklists, and decision guides covering retirement, taxes, investing, and major life decisions—no registration required
- [IRA and HSA Contribution Strategies: A Guide to Tax-Efficient Retirement and Healthcare Savings](https://independentadvisorsnw.com/homepage/education/ira-and-hsa-contribution-strategies-a-guide-to-tax-efficient-retirement-and-healthcare-savings/) - Learn how IRA and HSA contributions work, how they affect taxes, and how to use them effectively in long-term retirement and healthcare planning.
- [Investor Education Center: Empowering Your Path to Financial Success](https://independentadvisorsnw.com/homepage/education/) - Master your finances with expert insights on investing, tax strategies, and retirement planning. Access our free educational resources today!
- [Bethany & Cedar Mill Living Sponsor Spotlight](https://independentadvisorsnw.com/about/bethany-cedar-mill-living-sponsor-spotlight/) - Independent Investment Advisors hopes that small-business owners in our community will consider this time-tested tip when it comes to planning for retirement.
- [General Questions About Independent Investment Advisors Services](https://independentadvisorsnw.com/services/services-faq/) - Managing wealth, planning for retirement, navigating taxes, and understanding equity compensation can feel overwhelming—here are some basic FAQ.
- [Contact Us](https://independentadvisorsnw.com/contact-us/) - Call 971.350.8068 or email info@independentadvisorsnw.com to schedule an appointment with one of our financial advisors. We can help you define and reach your goals.
- [Virtual Financial Advisor & Online Wealth Management for Clients Across the U.S.](https://independentadvisorsnw.com/locations/virtual-financial-advisor-online-wealth-management-for-clients-across-the-u-s/) - Fee-only fiduciary providing virtual financial planning, online wealth management, tax strategy, and equity compensation guidance to clients nationwide.
- [Hillsboro Financial Advisor & Wealth Management | Independent Investment Advisors](https://independentadvisorsnw.com/locations/hillsboro-oregon/) - Fee-only fiduciary advisor offering financial planning, wealth management, tax strategy, equity compensation guidance for families and tech pro's in Hillsboro.
- [Fee-Only Fiduciary Financial Planning and Wealth Management in Portland & Beaverton, Oregon](https://independentadvisorsnw.com/locations/portland-beaverton-oregon/) - Independent, fee-only fiduciary providing financial planning, wealth management, tax strategy, and equity compensation planning for Portland and Beaverton.
- [Independent Investment Advisors – Local Wealth Management & Financial Planning for the Pacific Northwest](https://independentadvisorsnw.com/locations/) - Fee-only fiduciary financial planning, wealth management, tax strategy, equity compensation for technology professionals and families in Hillsboro & Portland.
- [Services](https://independentadvisorsnw.com/services/) - Comprehensive wealth management services including financial planning, retirement, tax, estate, and investment strategies tailored to your goals.
- [Solutions](https://independentadvisorsnw.com/solutions/) - Independent fiduciary advisors offering financial planning, tax, retirement, and investment solutions for tech professionals, families, and business owners.
- [Can I Contribute to a Roth IRA in 2025? [Free Flowchart Download]](https://independentadvisorsnw.com/can-i-contribute-to-a-roth-ira-in-2025-free-flowchart-download/) - Our free downloadable flowchart breaks it all down—clearly, visually, and with updated IRS income limits. Whether you're filing solo or jointly.
- [About](https://independentadvisorsnw.com/about/) - Awarded Best Financial Planner in Hillsboro 2024! Independent, fee-only fiduciary advisors serving Hillsboro, Beaverton & Portland. Learn more today!
- [Boutique vs. Big-Box Wealth Management: Which is Right for You?](https://independentadvisorsnw.com/homepage/education/boutique-vs-big-box-wealth-management-which-is-right-for-you/) - Compare boutique vs. big-box wealth management for tech professionals. Discover which is better for equity comp, tax strategy & personalized advice.
- [RSUs, ISOs, NSOs & ESPPs: How to Minimize Taxes & Maximize Gains](https://independentadvisorsnw.com/homepage/education/rsus-isos-nsos-espps-how-to-minimize-taxes-maximize-gains/) - Discover effective tax strategies for managing RSU, ISO, NSO, and ESPP. Tailored for tech professionals this guide helps you optimize your equity compensation.
- [Frequently Asked Questions (FAQs) – Independent Investment Advisors](https://independentadvisorsnw.com/about/faq/) - Get answers to common financial questions! Learn about fiduciary financial planning, tax strategies, and investment management. Serving Beaverton & Hillsboro.
- [Tax Strategies to Minimize Taxes & Maximize Gains in Oregon](https://independentadvisorsnw.com/homepage/education_2/tax-strategies-to-minimize-taxes-maximize-gains-in-oregon/) - Discover expert tax strategies to minimize your tax liability & grow your wealth in Oregon. Learn how to optimize retirement savings, leverage Roth conversions.
- [Investor Education: Empowering Your Path to Financial Success](https://independentadvisorsnw.com/homepage/education_2/) - Build wealth wisely with expert financial guidance. Explore tax-saving strategies, investment planning, and retirement optimization tips.
- [Wealth Management for Tech Professionals in Portland, Hillsboro, Beaverton, and Seattle](https://independentadvisorsnw.com/solutions/wealth-management-for-tech-professionals-in-portland-hillsboro-beaverton-and-seattle/) - Independent Investment Advisors specializes in wealth management for tech professionals in Portland, Hillsboro, Beaverton, and Seattle.
- [Top Fiduciary Financial Advisor in Beaverton, OR – Wealth Planning for Your Future!](https://independentadvisorsnw.com/about/top-fiduciary-financial-advisor-in-beaverton-or-wealth-planning-for-your-future/) - Awarded Best Financial Planner & Five Star Wealth Manager! Fee-only fiduciary serving Beaverton & Portland Metro. Schedule a consultation today!
- [Top Fiduciary Financial Advisor in Hillsboro, OR – Wealth Planning You Can Trust!](https://independentadvisorsnw.com/about/top-fiduciary-financial-advisor-in-hillsboro-or-wealth-planning-you-can-trust/) - Voted Best Financial Planner in Hillsboro 2024! Fee-only fiduciary wealth management for professionals & business owners. Schedule a free consultation today!
- [Are We the Right Wealth Advisor for You? | Fiduciary Financial Planning in Portland, OR](https://independentadvisorsnw.com/homepage/are-we-the-right-wealth-advisor-for-you/) - Looking for a fiduciary financial advisor in Portland? We help clients and business owners with tax-efficient wealth planning. See if we’re the right fit!
- [Financial Investment Solutions for Small Business Owners](https://independentadvisorsnw.com/solutions/financial-investment-solutions-for-small-business-owners/) - Business owners, optimize your financial future! Learn how to reduce taxes, invest smarter, and protect your business wealth.
- [How to Choose a Financial Advisor](https://independentadvisorsnw.com/homepage/education/how-to-choose-a-financial-advisor/) - Choosing a financial advisor? Learn key questions to ask, red flags to avoid, and how fiduciary advisors differ from brokers.
- [Economic Correlation: Cyclical and Non-Cyclical Stocks](https://independentadvisorsnw.com/homepage/education/economic-correlation-cyclical-and-non-cyclical-stocks/) - Learn how economic cycles impact investments. Discover when to buy cyclical vs. non-cyclical stocks for stable portfolio growth.
- [Guide to recessions: 9 key things you need to know!](https://independentadvisorsnw.com/homepage/education/guide-to-recessions/) - How bad will the next recession be? That's one of the questions we hear most often, especially now as the Fed aggressively hikes rates to rein in inflation.
- [Advisor Q&A: How to guide to tax optimized investing.](https://independentadvisorsnw.com/homepage/education/advisor-qa-how-to-guide-to-tax-optimized-investing/) - In the complex landscape of financial planning, mastering the art of tax-efficient investing is crucial for optimizing wealth accumulation and achieving long-term financial goals.
- [Brokers vs. Advisors: What's the Difference?](https://independentadvisorsnw.com/homepage/education/brokers-vs-advisors-whats-the-difference/) - While brokers and advisors may fill similar roles in a client's life, the services they offer and fees they charge can vary greatly.
- [Hidden 401k Strategies Used by Some Investors](https://independentadvisorsnw.com/homepage/education/hidden-401k-strategies-used-by-some-investors/) - In this guide, you’ll discover why your 401(k) strategy should be “engineered”, because there’s a lot more to it than what you see on the surface.
- [Facing Early Retirement Decision?](https://independentadvisorsnw.com/homepage/education/facing-early-retirement-decision/) - This guide should help you make good decisions about your future and discover whether you can afford to “cut the wires” that connect you to the workforce.
- [What should I do with my old 401(k) or employer plan](https://independentadvisorsnw.com/homepage/education/what-should-i-do-with-my-old-401k-or-employer-plan/) - When you leave an employer (whether you’re changing jobs or retiring), your retirement plan doesn’t automatically move for you. You must make a decision.
- [Cryptocurrency Explained](https://independentadvisorsnw.com/homepage/education/cryptocurrency-explained/) - Cryptocurrency isn’t the black sheep it once was. It’s hit the mainstream, and it’s grabbing up more headlines and investors than ever before. Still a gamble?
- [How Far Could $1 Million Go in Retirement](https://independentadvisorsnw.com/homepage/education/how-far-could-1-million-go-in-retirement/) - A $1M used to be the target for retirement portfolios. Retiring as a millionaire brought confidence that you could live comfortably during your golden years.
- [Opportunities Opened Up by New Tax Rules](https://independentadvisorsnw.com/homepage/education/opportunities-opened-up-by-new-tax-rules/) - Tax Cut and Jobs Act (TCJA), and SECURE (Setting Every Community Up for Retirement Enhancement) Act, passed in 2019, radically changed your tax picture.
- [6 Small Business Retirement Plans](https://independentadvisorsnw.com/homepage/education/6-small-business-retirement-plans/) - Retirement savings plan falls on the shoulders of a small business owner. The plan you chose depends on your business's size and how it's structured.
- [End of Year Financial Checkup](https://independentadvisorsnw.com/homepage/education/end-of-year-financial-checkup/) - The end of a year brings many opportunities to reflect on our financial objectives, our financial blunders, and our financial accomplishments for the year.
- [What Should You Do With An Old 401k](https://independentadvisorsnw.com/homepage/education/what-should-you-do-with-an-old-401k/) - If you are considering a job change in the future or have already made the transition, you may be wondering, “What should I do with my old 401k”?
- [Financial Calculators](https://independentadvisorsnw.com/homepage/financial-calculators/) - Fundamental financial calculators our clients and we regularly use to build and maintain financial and investment plans. Working together we model through various what-if scenarios such as best-case and worst-case.
- [Annual and Lifetime Gift Tax Exclusions Primer](https://independentadvisorsnw.com/homepage/education/annual-and-lifetime-gift-tax-exclusions-primer/) - As the year-end approaches, it's essential to start tax and gift planning efforts. There are several nuances to current federal rules when it comes to gift tax.
- [Is it time to see a Financial Advisor?](https://independentadvisorsnw.com/homepage/education/is-it-time-to-see-a-finanacial-advisor/) - Are you managing your money by yourself or preparing for retirement? How do you know when its time to consult a financial or investment advisor?
- [Top Ten Financial Planning Tips for Business Owners](https://independentadvisorsnw.com/homepage/education/top-ten-financial-planning-tips-for-business-owners/) - Managing Cash and Debt Levels, Paying Yourself, Personal Goals, Planning for Retirement, Saving for Retirement, Diversifying Your Assets, Managing Risk, Planning for Succession, Arranging Your Estate, Choosing a Financial Advisor or Financial Planner
- [Invest with Your Head, Not with Your Heart](https://independentadvisorsnw.com/homepage/education/invest-with-your-head-not-with-your-heart/) - Are you moved by the swings in the stock market, ready to trade at a moments notice? Or are you looking for the hottest stock that will undoubtedly make you thousands of dollars?
- [Prospects for Investing in the 2020s](https://independentadvisorsnw.com/homepage/education/prospects-for-investing-in-the-2020s/) - The third decade of the 21st century started with a strong economy, record low unemployment levels, and benign inflation. But late in the first quarter over the span of two weeks, investors faced the fastest stock market correction in history.
- [Gross Domestic Product: A Primer](https://independentadvisorsnw.com/homepage/education/gross-domestic-product-a-primer/) - The economic indicator known as Gross Domestic Product (GDP) represents the dollar value of all purchased goods and services over one year.
- [Creative Alternatives to Traditional Retirement](https://independentadvisorsnw.com/homepage/education/creative-alternatives-to-traditional-retirement/) - How often do you think about retirement? Most of us think about it a lot! We think about when we'll retire and how we'll spend our time in retirement.
- [Financial Literacy Quiz?](https://independentadvisorsnw.com/homepage/education/financial-literacy-quiz/) - Can You Beat 93% of Americans on a Financial Literacy Quiz? Goran Ognjenovic | Independent Investment Advisors CONTACT ME Can You Beat 93% of Americans on a Financial Literacy Quiz? What do you really know about finance? How would you rate your financial literacy? Most folks say they're very knowledgeable about financial matters.1 But guess
- [Give Smarter & Make a Greater Impact with Philanthropy](https://independentadvisorsnw.com/homepage/education/give-smarter-make-a-greater-impact-with-philanthropy/) - What inspires you to give? Most of us give for the same basic reasons. We want to help others, make a positive difference in the world—and giving feels good.
- [Future and Now Costs](https://independentadvisorsnw.com/homepage/education/future-and-now-costs/) - Inflation: What Your Bills Could Look Like in 2030 Goran Ognjenovic // Independent Investment Advisors CONTACT ME What Your Bills Could Look Like in 2030 Sticker shock at the grocery store? Price hikes at the pumps? Prices are going up and spending more for basics can be startling. Do you remember the first time you
- [Business Owner Exit Planning](https://independentadvisorsnw.com/homepage/education/business-owner-exit-planning/) - 3 STEPS TO YOUR DREAM EXIT WITHOUT COMPROMISING YOUR LIFE’S WORK. You’ve got that little voice in the back of your mind telling you it’s time for next adventure
- [The 3 Pillars of Successful Retirement Plans](https://independentadvisorsnw.com/homepage/education/the-3-pillars-of-successful-retirement-plans/) - If you’re within 5 years of successful retirement this checklist is designed to highlight your strengths and weaknesses for retirement preparation.
- [Overview](https://independentadvisorsnw.com/homepage/overview/) - We are unrestricted in finding best strategies and assets for our clients. There are no corporate influences. Just focus on our client's goals and objectives!
- [Sudden Wealth Inheritance](https://independentadvisorsnw.com/homepage/education/sudden-wealth-inheritance/) - Coming into money? You have new decisions to make. Without a strategy or careful planning for your sudden wealth, you could open yourself up to many risks.
- [Portfolio of $500,000 - $2 million?](https://independentadvisorsnw.com/homepage/education/portfolio-of-500000-2-million/) - Financial strategy that serves your needs now and in the future, by providing you with the same tools that ultra-high-net-worth (UHNW) investors know and use.
- [Outearned Your Financial Strategy?](https://independentadvisorsnw.com/homepage/education/outearned-your-financial-strategy/) - Has your income suddenly become more complex? Gone are the days of a straightforward salary, plus bonuses and maybe commissions. This guide can help!
- [Do you know what constitutes your Credit Score?](https://independentadvisorsnw.com/homepage/education/do-you-know-what-constitutes-your-credit-score/) - Are you bewildered by your credit score? Are you wondering how to increase your score or why your score has taken a nosedive?
- [The Simple 3 Step Medicare Guide](https://independentadvisorsnw.com/homepage/education/the-simple-3-step-medicare-guide/) - Medicare Annual Enrollment ends Dec 7th! Making the wrong choices can cost you thousands so stay ahead - this guide breaks down what you need to know.
- [Loan Calculator](https://independentadvisorsnw.com/homepage/financial-calculators/loan-calculator/) - Using the calculator is straightforward. User enters a "loan amount", "number of months", "annual interest rate". The calculator calculates the number of monthly payments.
- [Mortgage Calculator](https://independentadvisorsnw.com/homepage/financial-calculators/mortgage-calculator/) - You can calculate the mortgage loan amount from the real estate price by providing the down payment percentage. If you know the mortgage amount you can afford and the cash down payment percentage required, you can calculate the affordable real estate price.
- [Savings & Investment Calculator](https://independentadvisorsnw.com/homepage/financial-calculators/savings-investment-calculator/) - Answer the question "If I save 'X' amount for 'Y' months what will the value be at the end?"
- [Retirement Nest Egg Calculator](https://independentadvisorsnw.com/homepage/financial-calculators/retirement-nest-egg-calculator/) - Answer the question "Given the value of my current investments and assuming future monthly investments of X, what will be the value of my retirement nest egg?"
- [Retirement Age Calculator](https://independentadvisorsnw.com/homepage/financial-calculators/retirement-age-calculator/) - Answer the question "Given the value of my current investments and assuming future monthly investments of "X", at what age will I reach my retirement goal?"
- [Retirement Savings Calculator](https://independentadvisorsnw.com/homepage/financial-calculators/retirement-savings-calculator/) - Answer the question "Given the value of my current investments how much do I need to save each month to reach my retirement goal?" Calculate the required amount and the investment schedule.

## Downloads

- [Can I Make a Backdoor Roth IRA Contribution? (2026 Decision Guide)](https://independentadvisorsnw.com/download/3053/?tmstv=1786473297) - Can I Make a Backdoor Roth IRA Contribution? (2026 Decision Guide) This flowchart helps determine whether a Backdoor Roth IRA contribution is appropriate based on income, existing IRA balances, and employer retirement plan options. It outlines the key considerations that often impact the tax outcome of a conversion, including the aggregation and pro rata rules
- [Can I Contribute to a Roth IRA? (2026 Eligibility Flowchart)](https://independentadvisorsnw.com/download/3049/?tmstv=1786473297) - Can I Contribute to a Roth IRA? (2026 Eligibility Flowchart) This decision flowchart helps determine whether you are eligible to contribute to a Roth IRA based on income, filing status, and earned income requirements. It walks through the key thresholds that govern full, partial, or ineligible contributions, including the 2026 contribution limits of up to
- [Financial Planning Milestones by Age (2026 Guide)](https://independentadvisorsnw.com/download/3045/?tmstv=1786473297) - Important Financial Planning Milestones by Age (2026 Guide) This guide outlines key financial planning milestones that occur at different ages throughout life, helping individuals anticipate important eligibility rules and planning opportunities before they arise. It highlights critical ages related to retirement contributions, Social Security benefits, Medicare enrollment, Required Minimum Distributions (RMDs), and other planning triggers
- [Important Numbers 2026](https://independentadvisorsnw.com/download/3042/?tmstv=1786473297) - 2026 Important Financial Planning Numbers This quick-reference guide summarizes many of the key tax thresholds, retirement plan limits, and planning figures that frequently change each year. It is designed to help individuals and families stay informed about important numbers that can influence contribution decisions, tax planning strategies, and retirement planning opportunities. The guide includes updated
- [Reviewing My Property And Casualty Insurance Policies](https://independentadvisorsnw.com/download/2685/?tmstv=1786473297) - A client’s property and casualty insurance policies are a key part of their overall financial plan. It’s important to review these policies each year to ensure that your client has the coverage they need.
- [Can I Contribute to a Roth IRA in 2025?](https://independentadvisorsnw.com/download/2968/?tmstv=1786473297) - Confused about Roth IRA contribution rules for 2025? Flowchart breaks it all down—clearly, visually, and with updated IRS income limits.
- [Important Numbers 2023](https://independentadvisorsnw.com/download/2710/?tmstv=1786473297) - Important Financial & Tax Numbers of 2023.
- [Reviewing My Health And Life Insurance Policies](https://independentadvisorsnw.com/download/2688/?tmstv=1786473297) - A client’s life and health insurance policies are a key part of their overall financial plan. It’s important to review these policies each year to ensure that your client has the coverage they need. If there are gaps, you can work with your client to implement proper coverage.
- [“Hidden” 401 (k) Strategies Used by Some Investors](https://independentadvisorsnw.com/download/1741/?tmstv=1786473297) - In this guide, you’ll discover why your 401(k) strategy should be “engineered” like a groundhog burrow, because there’s a lot more to it than what you see on the surface. Most high earners are already leveraging the power of their employer-sponsored 401(k) to save for retirement. They understand the well-publicized advantages: tax deferral, the “free money” provided by the employer match, and the “catch-up” provision after age 50.
- [Are You Facing Early Retirement?](https://independentadvisorsnw.com/download/1731/?tmstv=1786473297) - Facing Early Retirement Decision? You weren’t planning on making retirement decisions so soon. You thought you had years to go before you entered the critical transition period, where the choices you make now set the stage for the next 30 years of your life. But the timer is ticking. You’ve got to make good decisions, fast. Most folks at this crossroads have arrived from three paths. Which one is yours?
- [What should I do with my old 401(k) or employer plan?](https://independentadvisorsnw.com/download/1703/?tmstv=1786473297) - A clear guide to your options for 401(k), 403(b), and some 457 plans. (Including how to avoid a surprise tax bill or IRS penalties that could put you in the crosshairs) When you leave an employer (whether you’re changing jobs or retiring), your retirement plan doesn’t automatically move for you. You must make a critical decision (or risk having that decision made for you in a way that’s better for the company or costs you money). Your employer plan is one of your most valuable retirement assets and deciding where it should go next is a decision with plenty of nuances, pitfalls, and opportunities.

## Categories

- [All Posts](https://independentadvisorsnw.com/category/all-posts/) - Market analysis videos and commentary by Registered Investment Advisor
- [Financial Planning](https://independentadvisorsnw.com/category/financial-planning/) - Our blog represents several points of view. One is of an Financial Planner. Read more to learn how our Financial Planners view and act on market events.
- [Active Trading](https://independentadvisorsnw.com/category/active-trading/) - Our blog represents several points of view. One is of an Active Trader. Read more to learn how our Active Traders view and act on market events.
- [Investment Advisor](https://independentadvisorsnw.com/category/investment-advisor/) - Our blog represents several points of view. One is of an Investment Advisor. Read more to learn how our Investment Advisors view and act on market events.
- [Portfolio & Market Reviews](https://independentadvisorsnw.com/category/monthly-markets-insight-video/) - Watch our Monthly Market(s) insights videos. There are several points of view represented, such as Investment Advisor, Active Trader, and Financial Planner.
- [News and Announcements](https://independentadvisorsnw.com/category/news/) - Read more about Independent Investment Advisers latest company news and announcements
- [Featured Article](https://independentadvisorsnw.com/category/featured-article/)