Noah Schwab

My Process

I work with retirees and people getting close to retirement. My goal is simple. I want you to know where your money comes from, what it will cost in taxes, and how long it will last. Our firm is fee-only. We do not sell products or earn commissions. We are fiduciaries, which means we are required to put your interests first. The only way we get paid is by you. What sets us apart is our focus on taxes. Most retirees pay more tax than they need to over their lifetime. We look at the whole picture across many years, not just this year's return. That includes Roth conversions, when to claim Social Security, required distributions, giving to charity from your IRA, and keeping Medicare premiums in check. We plan which accounts to draw from and when, so your income works together instead of by accident. Here is what to expect. We start with a conversation to learn what matters to you. Then we gather your information and build a written plan. We walk through it with you in plain language. If you have questions, we answer them until it makes sense. After the plan, ongoing management is your choice. There is no pressure. Many clients decide near the end of the planning process once they see how we work. If you stay with us, we manage your investments and update your plan as life changes. We are a small firm based in Spokane. You will know who you are talking to, and we will know you.