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Financial Independence Simplified


Simplicity is the ultimate sophistication.    

Leonardo Da Vinci

Financial independence means enjoying life.  


You are busy.  Often times your finances take a backseat. You have established a lifestyle with your family. Yet you are worried about paying off your debt, rising tax bills, and planning for your future. 


Your work has led to many great financial rewards. Now it is time to put those rewards to work for you. But how? When? And most importantly, who can help you?


Our Top 5 Questions

Why should I hire a financial advisor?


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How do I prepare for retirement? 


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How do I pay for my kid's college? 


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How can I reduce my taxes before I retire? 


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How much income protection do I need?


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Who We Are

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Ryan Burklo

Senior Partner
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Ryan has two areas of expertise. The first is working with Medical Practices to protect cash-flow, assist with efficient wealth accumulation strategies and the eventual exit strategy.  The second is working with Tech Professionals (Amazon and Microsoft) to efficiently manage cash-flow, wealth accumulation strategies and eventual retirement.

Ryan's father was in the Air Force, so he grew up all around the world, moving every 3 years. His family moved to Seattle where he met his wife Dyan. They both ended up attending and graduating from the University of Arizona. Bear Down! After graduating, they moved back to Seattle where they now have 2 kids. Ryan's passion is in sports, building relationships, and supporting causes meaningful to his personal life. He is an avid volunteer for the Pediatric Stroke Warriors.

To book an appointment with Ryan, Click Here


Check the background of this investment professional on FINRA's BrokerCheck.

Registered Representative & Investment Advisor of Park Avenue Securities, Financial Representative Guardian. CA insurance license #0K24924, AR insurance license #15319412. 

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Alex Collins

Senior Partner
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Clients appreciate Alex's analytical approach to creating efficient strategies for accumulating wealth.  He works primarily with tech professionals helping to maximize their benefits through the company - efficient strategies for stock grants, options, employee stock purchase plans and other benefit plans offered through the work place.  Secondly, Alex works with medical professionals helping them create financial balance and creating an efficient exit plan allowing them to exit their practice when and how they want to do so.

Alex met his wife Heather while at the University of Washington.  Go Dawgs!  They have an amazing daughter Sienna. He is an avid sports fan and you can often find him, Heather and Sienna cheering on the Hawks, Dawgs, M’s and Sounders.  When not cheering on his teams you can find Alex hiking, traveling and spending time with the family.  Alex also spends time advocating for his clients through the National Association of Insurance and Financial Advisors (NAIFA) at both the local and state levels.  He is currently the President of Seattle/Eastside NAIFA board*.

Check the background of this investment professional on FINRA's BrokerCheck.

Registered Representative & Investment Advisor of Park Avenue Securities, Financial Representative Guardian, CA Insurance License #0H24806, AR insurance license #7264699. 


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Dyan Burklo

Client Relations Senior Manager
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Dyan is from Los Angeles, California, but spent the majority of her life residing in Woodinville, WA. She attended the University of Arizona in Tucson with Ryan and after graduating, they moved back to Seattle, got married and now have two kids . Dyan likes to spend her free time supporting her kids. She is very involved in all of their activities from horseback riding to ballet. She is also very committed to a local non-profit Pediatric Stroke Warriors, a cause near and dear to her heart, where she plays an active part in the fundraising committee.

Dyan has worked 11+ years in the financial industry. She is dedicated to providing the best customer service possible. Her current focus is on the Protection (Insurance) side of the client experience.


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Jessica Nguyen

Client Relations
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Jessica is new to Quantified Financial Partners, having joined the firm at the beginning of 2019. She is originally from Oklahoma and moved to Washington in 2018 with her husband, Joseph, who works for Microsoft, and their three children, Natalie, Claire and Miles. She graduated from the University of Oklahoma with a Master of the Arts in 2006 and has spent most of her career working in museum administration. She made the switch to working in the insurance sector in 2018 when she became licensed in life insurance focusing on long term care. 

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Andrea Compton

Client Relations
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Andrea is a recent addition to Quantified Financial Partners. Originally from Alabama, she brings over 10 years of experience specializing in office administration, television and internet radio production. Along with her customer service experience in the Pacific Northwest beer world, Andrea looks forward to supporting our clients and our team.

We want to help you plan and organize your future the best way possible. 

Our process will organize your finances to help you achieve your goals today and tomorrow. 

To help with this, we use:


The Living Balance Sheet ® and The Living Balance Sheet ® Logo are service marks of The Guardian Life Insurance Company of America ® (Guardian), New York, NY. © Copyright 2020. Guardian


Our Process Includes

1. Philosophy

Are We A Good Fit?

  • Discussion about our Philosophy and how we work with our clients
  • Learn about your concerns and goals.
  • Determine if we are a good fit.
2. Data Gathering

High Level Data Gather

  • Take a look at where you are at today.
  • Understand how you got to where you are.
  • Identify areas of improvement.
3. Protection 

Identify Gaps In Income Protection

  • Insurance protection of income
  • Legal documents
  • Workplace benefits
4. Cash Flow Analysis

Identify Cash-Flow Concerns:

  • Tax inefficiencies
  • Savings rate
  • Where to put your money
5. Implement and Review

Check On Progress

  • Implement strategies
  • Ongoing updates
  • Choice of Quarterly, Semi-Annual or Annual Check Ups

To Learn More About Our Process, Click on the Videos Below: 


For Individuals

For Business Owners

The traditional approach to financial planning of focusing on investments, rate of return and solving your goals based upon assumptions. This leads to a bunch of numbers on a page that do not mean anything to you.  In other words, it doesn’t simply your financial life.

Our plans focus on what really matters to you.  Your ability to live the lifestyle you want.  We simplify your financial life so that you understand where you are and how to improve it. 

How do we do this?

Cash Flow is your most important resource

Protecting Cash Flow is Critical

The order in which you address financial matters, matters

When people are asked what their most important financial resource is, we hear answers like:  my house, my retirement accounts, my business, my bank accounts.  The answer is simply cash flow, the money that you use to live your life.  Regardless of where it comes from:  work, investments, rental properties, a pension, etc.  You cannot live life in the manner you are accustomed to living without cash flow. 

Cash Flow is your most precious financial resource.

If you had a machine that printed money in your garage, would you lock your garage?  Add extra security?  Hire a guard?  Absolutely you’d enact some if not all of these additional protections.  We identify the worst threats to your cash flow and show you options to protect it.  Then you decide what level of protection is appropriate for you and your situation.  Once cash flow is protected, we move on to building wealth. 

The order in which we build wealth – building assets, paying down debts – matters greatly.  Are you blindly building assets or are you creating a plan to access funds in the for a house, for funding your kids college and eventual replacement of your income? 

We manage your investments so that you can have efficient cash flow now and later allowing you to enjoy your life.  We customize a plan with you to utilize your cash flow efficiently.  When, where & how much of your cash flow goes to paying off debts, short, medium & long term goals depends greatly upon your situation.  

How will taxes impact your plan?  This is one of greatest eroding factors of your wealth.  It is important to have a plan that addresses the impact of taxes both now and in the future.  Our planning coordinates your assets to create additional flexibility, efficiency & tax strategies – allowing your money to work harder for you.

Our approach holistically looks at all four domains (Protection, Assets, Liabilities and Cash Flow) seeking to maximize efficiency and growth of your money.  This focus on efficiency and building the best plan possible avoids taking on undo risk, delaying financial independence or the over reliance upon any one aspect of your financial picture. 

This is your Living Balance Sheet ®

The Living Balance Sheet ® and The Living Balance Sheet ® Logo are service marks of The Guardian Life Insurance Company of America ® (Guardian), New York, NY. © Copyright 2005-2020 Guardian

Our Clientele

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Tech Professionals

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Tech Employees 

Whether you work for one of the big names in Tech, a start up or a company in between, there is a strong likelihood that you have significant benefit plans that are either given or offered to you.  One of the biggest challenges that you face is how to maximize the value from the benefits that you’re being offered.  The programs offered are diverse and wide ranging.  Few take full advantage the of the benefits offered.  Please don’t read as “sign up for everything to fully take advantage.”  Your situation is unique and how you deploy these benefits should be too. 

The question that we get asked most often is ‘I’m making money now what’.  This as different forms – it could be after you receive your first signing bonus, annual bonus, RSU award, first big promotion internal or external – but it is the same questions.  How do I put this to work wisely? – I don’t want to squander this. 

While this isn’t rocket science – it is akin to a second language, much like programming is a second language.  What makes this uniquely challenging for tech employees is the long hours and specialized knowledge that most have.  This takes some time and focus to get done properly. 

Our commitments to you:

  • A consistent process that is Transparent, Integrated & Personal
  • Never dictate how you spend your money.  We are an advisor, a guide, a coach who comes along side you.
  • Create flexibility and options.  We know that life will change, it always does however we don’t know how and will need the ability to adapt. 
Interested in learning how to maximize the benefits you have through work for your personal situation?  


Click below to book a consultation

Book with Ryan Book with Alex

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Professionals

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Professionals

You work hard to get to where you are.  Is your money working hard for you? 

Whether you just received your first big promotion or starting to dream about riding off into the sunset, now is the best time to start taking care of your todays and planning your tomorrows.  Many see financial planning as a series of long complicated, boring conversations.   We see the opposite -> we simply your finances so you see them clearly, assist you in creating actionable data and tools that show possibility, control of your destiny and flexibility. 

One example of this is the dreaded budget.  Few people outside of the engineers and accountants enjoy budgets, budgeting or any of the exercises that go along with it.  Mainly because this is most often used to tell people what they must do, can’t do or how to do something.  That couldn’t be further from the truth – a budget should be all about choice and control.   The budget isn’t in control you are.   What are the values that you have, how are you currently spending your money and how do you want to spend your money?    

This is the type of planning work that our clients ask us to engage with them.  Discussions around how to be more efficient and effective.  We aren’t going to chase returns, dictate how you spend your money or provide you with unrealistic projections.  Address at all four domains of your finances:   Assets, Liabilities, Cash Flow and Protection.  How can you reduce single use dollars, eliminate uncompensated risk & live the life you want to live? 

Click below to schedule 30 minutes to get started towards financial freedom

Book with Alex Book with Ryan

                                          
                
                                 



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Small Business Owner

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Small Business Owner

Over the years we have learned a lot from working with business owners.  The feedback from our business owners is that a lot of the advice they get is narrowly focused, transaction isn’t coordinated and fails to address their key concerns. 

We don’t want our relationship with anyone to be based on a product sale. We want a relationship.

We work with our clients to Protect their business, Grow their business and Exit their business.  We do this strategically, coordinating business assets, personal assets and cash flow to create a plan to maximize what your business does for you. 

Protect

Your biggest asset is your business! It’s your source of cash flow now and into the future.  So we must protect it. We help with:

  • Buy-Sell Agreements
  • Employee benefits
  • Key Person Plans

Grow

You may not be ready to exit. The business’s most valuable assets are its people.  We can help with:

  • Retirement Plans
  • Employee Retention
  • Financial Wellness Programs

Exit

Eventually, we all exit our business. Whether we maintain control after we leave day to day operations, transition to family or employee, or sell the company, this is here you realize your full value of your life's work. 

  • Transition to new owner (agreements)
  • Helping to avoid double taxation on sale or transition of business
  • Cash flow efficient strategies upon exit
Book with Alex​​​  ​Book with Ryan​​​


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Dentists

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Whether you are just graduating from school, starting your practice, have an established practice, or are looking to transition out of your practice, working with a professional advisor will add value and provide direction to assist you in realizing your goals.   

Clients appreciate that their cash-flow is fully protected today, the savings strategies implemented to buildwealth efficiently for their future, and crafting a plan for their eventual exit strategy. 

The process is educational in nature.  We start with ensuring philosophy of the client and advisor are aligned.  Then we learn from the client about their current situation and what their goals and dreams are.  Next we discuss and implement plans and strategies to obtain the client's goals and dreams.  Finally, we collaboratively review the plan and adjust for life's occurrences.

Financial Services for Dentists

  • Tax-Efficient Cash Flow Planning
  • Retirement Planning
  • Debt Management
  • Income and Asset Protection
  • Practice Planning
  • College Savings
  • Estate Planning
  • Giving & Legacy Planning
  • Practice Succession Planning

To schedule a consultation, click below

Book with Alex Book with Ryan



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Naturopathic Doctors

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You help your patients lead a healthy life using a holistic approach to their health..  We help our clients build a holistic financial life.  Rather than writing prescriptions to address a financial symptom, we take a look at the entire picture to address how all of your finances coordinate with one another to build an optimal, efficient plan.   

Whether you are just graduating from school, managing a practice or looking to transition out of your practice, working with a professional advisor will help align your finances with your goals.

Click here to go to learn more about how we can help you

Financial Services for Naturopathic Doctors

  • Tax-Efficient Cash Flow Planning
  • Retirement Planning
  • Debt Management
  • Income and Asset Protection
  • Practice Planning
  • College Savings
  • Estate Planning
  • Giving & Legacy Planning
  • Practice Succession Planning

To schedule an appointment, click below

Book with Alex  Book with Ryan


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Medical Doctors

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You've worked hard to get where you are today as a Physician with many years of school and residency. You've had to take on large student loans to realize your dream of helping people.

Your time and patients are your priority. In the mean time your finances have taken a backseat.

We will assist you in creating a personalized financial strategy. This will include protecting your income, creating tax efficient cash-flow, wealth management and paying off debt.   


Financial Services for Medical Doctors

  • Tax-Efficient Cash Flow Planning
  • Retirement Planning
  • Debt Management
  • Income and Asset Protection
  • Practice Planning
  • College Savings
  • Estate Planning
  • Giving & Legacy Planning
  • Practice Succession Planning

To schedule a consultation, click below

Book with Alex  Book with Ryan


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Nearing Retirement

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Retirement – the ability to not be required to earn a paycheck. 

The possibility of not working is on the horizon: 10 years or sooner from now.

Many people ask the question – am I ready? 

The first step to answering this question is to review of your current situation.

The next step will vary depending upon your goals.  

  • Are you trying to retire as quickly as possible, including reducing your lifestyle?  
  • Are you targeting a specific lifestyle or income level?  
  • What is your plan for creating income?  

These are some of the questions that will go into helping you determine what the optimal strategy is for you and your situation.

 

What do we accomplish for clients nearing retirement?

  • Providing a roadmap from here to retirement
    1. Where are you, what should to be done and how do we know when we get there
  • Increasing your cash flow in retirement
  • Increasing the likelihood of success through reduced volatility and guaranteed income
  • Addressing your legacy goals

What results do we deliver – we are often able to provide 10-20% more cash flow over traditional methods of retirement planning while improving tax efficiency and reducing volatility.  Sometimes it’s more, sometimes it’s less.  It will all depend upon your circumstances – where your assets are and how open you are to repositioning your current assets and current savings.

Curious to find out what we can do for you? Click below to schedule an introductory conversation.

Book with Ryan  Book with Alex



In Retirement Photo

In Retirement

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Congratulations you made it to retirement! 

This is typically where planning gets tough.  You worked your entire adult life building a nest egg.  Now you’re tasked with turning your life savings into an income stream. Most Americans use volatile investments as the basis for their retirement plans.  How do you create a stable income to replace your paycheck from an asset than is at its core unstable? 

Retirement Income planning is dramatically different that asset accumulation.  It shouldn’t be a switch that is flipped at retirement.   There is no one solution.  It’s take balance, flexibility and planning to coordinate your assets to create stable, consistent retirement income. 

Americans consistently underestimate the amount of time they need to plan in retirement – the average American couple retiring at 65 should plan on income for at least 30 years.  Inevitably, you and your advisor (including us) will get some of the assumptions made for your plan wrong.  There are simply too many variables (health, markets, interest rates, inflation rates, taxes, etc., etc., etc.)  Having incorrect assumptions isn’t the problem.  The problem is not knowing which changes could break your plan.   And having a solution for how to deal with those changes.  The goal isn’t to predict the future – the goal is to protect your retirement income from as many of the things that could go wrong.  Retirement is not Math. & Math is not Retirement. 

So how do we make sense of all this?

First, we evaluate your plan.  What is the plan for creating income?  How stable is the income – what could negatively affect it?  What back up plans do we have in place?

Next, we will need to stress test your plan.  What changes break your plan?  What are the different ways to solve for these potential breaks.  

We control the things that are within your control to provide consistent, reliable income and minimize the threats to your plan.  The key is creating financial balance and flexibility.  Just like you needed to have flexibility to roll with the punches or take advantage of the opportunities during your working years, you need the same flexibility to deal with whatever life will throw your way in retirement. 

Interested in reviewing a stress test for your retirement plan?

Book with Alex   Book with Ryan

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Legacy

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Creating your Legacy 

Many folks avoid estate planning or legacy planning.  This is often because of how it is discussed.  It is often thought of, discussed and shown as an either or between retirement income and legacy planning.  Then there is the misconception that legacy planning will create a ‘silver spoon’ effect. 

First, let’s define legacy.   How do you want to be remembered when you are no longer here?  Who is important and What are the key values that you want honored?  Legacy is too often talked about in only financial terms and not in values.  Once you’re able to create the vision of how you want to be remembered -> now we can work to bring that vision to life. 

Secondly, there is the confusion that legacy will take away from retirement income.  What if the assets that you designate for legacy could be used for a couple additional purposes?  1) allowing you to do something different with your other assets -> creating a more stable and efficient retirement cash flow.  2) acting as a backstop to your plan.  Thus, if your plan faulters, you could use the legacy assets to rescue you from an unforeseen and unfortunate event. 

If it didn’t affect your retirement income, what is the legacy you would create?

Click below to start building the legacy you want but thought was out of reach.  

Book with Ryan  Book with Alex

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Get In Touch

To schedule an appointment with one of our advisors, click on their name below.

                                                               


                                          

While every conversation is different, you should expect to cover some general information and get a sense of what it’s like to collaborate with us.


LOCATION

803 Kirkland Avenue, Suite 100

Kirkland, WA 98033


OFFICE HOURS

Monday - Friday 

8AM-4PM


CONTACT

qfpteam@quantifiedwa.com

(425) 354-2922