Portfolio Management That Works With Your Retirement Plan, Not Against It

Investment management at A5 Financial isn't a separate product. It's one half of a coordinated strategy designed to grow your wealth while still keeping your near-term income insulated from market volatility.

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Portfolio Management That Works With Your Retirement Plan, Not Against It

How We Manage the Growth Side of Your Financial Plan

Your portfolio's growth sleeve is actively managed, regularly rebalanced, and aligned with your retirement timeline. As retirement approaches, we adjust your allocation to reduce market exposure and avoid the sequence-of-return trap. By keeping short-term income needs funded through the income ladder, we give the growth portfolio room to do its job without forcing you to sell at the wrong time.

Here's what active management looks like in practice:

Managing Concentration Risk

If you work at Amazon, Microsoft, Google, or a Seattle-area startup, there's a good chance a significant portion of your net worth sits in a single company's stock. We develop gradual diversification plans structured to minimize unnecessary tax events.

A Fee Structure Built Around Your Interests

We charge a straightforward advisory fee. There are no hidden charges, no commissions, and no incentive to recommend one investment over another.

You Stay Informed Without Staying Involved

We monitor your portfolio continuously and reach out proactively when something warrants your attention — without needing to check the market daily.

Built for Pre-Retirees Who Can't Afford to Get This Wrong

The decade before retirement is the highest-stakes window in your financial life. A5 Financial works specifically with clients in this window — people who have accumulated real wealth and need a disciplined, coordinated strategy to carry it across the retirement finish line.

What Sets Our Investment Approach Apart

Most investment management services treat your portfolio as a standalone account. We treat it as one component of a fully integrated retirement plan, connected to your income needs, your tax strategy, and your timeline.

Common Questions About Investment Management at A5 Financial

We build and actively manage a growth portfolio aligned with your retirement timeline, risk tolerance, and income needs. Your portfolio is regularly rebalanced and coordinated with your retirement income ladder.

We charge a straightforward advisory fee based on assets under management. Our fee structure is transparent and designed so that our interests are fully aligned with yours.

We monitor your investments continuously and reach out proactively when something warrants your attention. You'll receive regular updates on performance and how your plan is tracking.

Yes — this is a significant part of what we do. We work with employees at Amazon, Microsoft, Google, and Seattle-area startups to build gradual diversification strategies that reduce single-stock concentration while minimizing unnecessary tax events.

We're a boutique firm, which means you work directly with John and Neil — not a rotating cast of junior advisors. We treat your portfolio as one piece of a fully integrated retirement plan, not a standalone account.

Contact Us

Your goals come first—reach out anytime.

We get it, new questions come up all the time. So, send us a message whenever it works best for you. We’ll get back to you and help chart your course toward a fulfilling future.

(425) 491-0143