We are a fiduciary financial planning practice in Washington dedicated to helping people over age 50 who are new to managing their finances. Locally owned in Everett, we work with clients throughout the state.
About you.
Have experienced a divorce, a death, and/or a windfall, and now find yourself in the financial driver's seat.
Are retired or are approaching retirement age.
Have $1,000,000 or more saved in investment accounts.
Desire a clear and actionable financial plan for your golden years that considers everything that is important to you.
Our service.
We work with you to create a financial plan for meeting your needs now and in the future. Financial planning is not a one-and-done exercise – as your priorities evolve, we adapt the plan accordingly.
We meet with you at least twice a year to catch-up on what’s new, update the financial plan, and discuss important financial events and decisions that are on the horizon.
Our work includes creating and implementing:
A customized portfolio strategy tailored to your unique goals and priorities.
A distribution strategy to turn your life savings into an income stream.
Strategies to minimize taxes.
Best practices for charitable giving and helping loved ones pay for college and buy a first home.
How are we different?
We pride ourselves in being proactive financial planners with a structured annual client service calendar.
What does that mean? Every year, for every client, we hold a Spring Meeting and a Fall Meeting. We use these meetings to cover a variety of topics including retirement planning, cash flow planning, tax planning, and charitable giving. These meetings also give us an opportunity to catch up with our clients and hear what is new and upcoming. Is there is a large expense on the horizon we should be planning for? Did the client have a change to their income, which means we should discuss making a change to their monthly savings contribution or distribution?
Each meeting includes an agenda and meeting summary. We know your time is important and we aim to hold meetings that are structured and efficient.
Our fees.
Our fee is calculated based on the percentage of the money that we manage for you. Please refer to the table below for additional information.
| Total Account Value | Annual Rate | Quarterly Rate |
| First $1,000,000 | 1.30% | 0.33% |
| $1,000,001 - $2,000,000 | 1.10% | 0.28% |
| $2,000,001 - $5,000,000 | 1.00% | 0.25% |
| $5,000,001 and over | 0.80% | 0.20% |
About us.
We pride ourselves on being:
Approachable. For most of our clients, working with us is their first time working with a financial professional. We offer down-to-earth financial guidance to help you make the most of your finances and this new season of life.
A thought partner. We are available for whenever an unexpected financial decision comes your way.
Fiduciary. We are a fiduciary financial planning firm, which means we are legally and ethically bound to prioritize your needs over our own needs.
Fee-only. We are a fee-only financial planning firm, which means we get paid for advice, rather than selling financial products. We have a transparent fee schedule with no hidden fees.
Shopping around? Be sure to ask these five questions.
We know there are a lot of financial planners to choose from!
If you are interviewing other financial planners, we encourage you to ask them:
Do you make more money (in incentives, commissions, trails, and/or referral fees) depending on the advice you give?
Are you a fiduciary in all areas of your practice?
Will you help me to save on taxes?
Did you meet with all of your clients last year?
How many client relationships do you maintain?
At Serene Wealth Planning, we do not collect incentives, commissions, trails, or referrals fees. We are a fiduciary in all areas of our practice. We aim to help our clients save money on taxes by giving financial advice that incorporates tax planning. We meet with all of our clients at least twice a year. Meeting with our clients at least every six months allows us to stay up-to-date with their financial lives and gives us the opportunity to proactively plan for the future. Lastly, our firm has capped the number of clients we work with. Limiting the number of clients we take ensures we have the capacity to provide excellent customer service.
Meet us.
Meet our Principal:
Jesse Deason, CFP®, CDFA®, EA
Contact.
If you are interested in learning more, please send us a note here. We’ll be in touch to schedule an Introductory Chat.