John G. Roeller, CFP®



3837 13th Avenue W, Suite 103
Seattle, WA 98119


(206) 457-5745


(206) 466-5531


75% of Americans agree they would benefit from having basic financial education and information.

Source: The 2016 Consumer Financial Literacy Survey, The National Foundation for Credit Counseling

Welcome to our research center! We've put together a library of information on important financial topics that we believe you'll find helpful.

Simply click on one of the general financial topics below and you'll find a selection of easy-to-understand information sheets about related financial concepts and strategies. This information is updated regularly to reflect the latest facts, figures, legislation, and economic trends.

Market Commentary

Estates & Trusts

  • Estate Planning

    Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.

  • Living Trusts

    A living trust can help control the distribution of your estate upon death.

  • Avoiding Probate

    The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.

  • Benefits of A-B Trusts

    An A-B trust can be an effective way to help reduce estate taxes and preserve family assets for heirs.

  • Charitable Remainder Trusts

    A designated income beneficiary could receive payment of a specified amount from a charitable remainder trust.

  • Property Ownership

    Sole ownership, joint tenancy, tenancy in common, and community property have special benefits for property owners.


Tax Planning

  • Capital Gain Tax

    Capital gains are profits realized from the sale of assets; a tax is triggered only when an asset is sold, not held.

  • Retirement Plan Limits

    IRAs, employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

  • Charitable Trust Tax Benefits

    For the grantor, there are a few potential tax benefits that can come with setting up a charitable trust.

  • Tax-Advantaged Investments

    Many traditional tax-advantaged investment strategies have gone away, but there are still some alternatives.

  • Tax-Advantaged Alternatives

    While stable, CDs can create quite an income tax bill. Fixed annuities and municipal bonds can offer tax advantages.

  • Tax Strategies for Retirement Plans

    Consider a trustee-to-trustee transfer to an IRA vs a lump-sum distribution from a workplace retirement plan.


  • Exchange-Traded Funds

    ETFs have unique attributes and attempt to track all types of indexes, industries, or commodities.

  • Growth Stocks vs. Value Stocks

    The labels “growth” and “value” reflect different approaches that can be used when making investment decisions.

  • Mutual Fund Taxes

    Mutual fund taxes can be cumbersome, but there are ways to help mitigate the amount of taxes you may owe.

  • Diversification

    An important element to successful investing is to manage investment risk while maintaining the potential for growth.

  • Types of Bonds

    Bonds are issued by many entities and share many characteristics, each type of bond has certain benefits and risks.

  • Stock Indexes

    Stock market indexes can be useful benchmarks for gauging the performance of an investment portfolio over time.

  • Mutual Funds vs. Stocks

    The difference between purchasing an individual stock vs. shares in a mutual fund to potentially earn dividends.

  • Asset Classes

    There are 5 broad asset classes that you should take into consideration when constructing your investment portfolio.

  • Asset Allocation

    Asset allocation is a method used to help manage investment risk; it does not guarantee against investment loss.

Cash Management

  • Money Market Funds

    Money market funds can be a highly liquid and effective cash management tool.

  • Reverse Mortgages

    There are techniques that can enable older homeowners to use their property to finance their lifestyle.

  • Smart Financing Ideas

    Here are some smart ways to refinance your home.

  • College Financial Aid

    It's important to understand the options, such as financial aid grant programs, when having to pay for college.

Risk Management

  • Business Owner Policies

    A biz owner policy is an insurance package that assembles the basic coverages required by a biz owner in one bundle.

  • Life Insurance for Business Owners

    Company-owned life ins is 1 way to help protect a biz from financial problems caused by the death of a key employee.

  • Term Life Insurance

    Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

  • Universal Life Insurance

    Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

  • Assessing Disability Income Insurance

    Knowing the basics of a disability income insurance policy is a good first step toward protecting your family.

  • Additional Liability Coverage

    Consider add'l liability ins. to help protect you from the potentially devastating effects of liability lawsuits.

  • Long-Term Care Costs

    The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Portfolio Compass