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Our investment approach: the benefits of low-cost, exchange-traded index funds - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/cash-savings-accounts-what-are-they-and-when-are-they-useful monthly 0.5 2024-10-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/2d817000-c68e-4eff-a105-7dc6348ce7c9/Cash+savings+accounts+What+are+they+and+when+are+they+useful_pic.png Journal | Access by Human Investing - Cash savings accounts: What are they and when are they useful? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/c0d7b8a1-f3e5-46a9-b540-0636eb112966/Cash+Savings+Visual.png Journal | Access by Human Investing - Cash savings accounts: What are they and when are they useful? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/i-left-my-company-what-are-my-options-with-my-accounts monthly 0.5 2024-10-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/c56f4612-3964-4f58-b1bc-52f093a4f34e/I+left+my+company+what+are+my+options+with+my+accounts_pic.png Journal | Access by Human Investing - I left my company, what are my options with my accounts? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/what-is-a-financial-plan-and-how-do-you-build-one monthly 0.5 2024-10-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/afac196b-6f84-4277-bbb4-8ee034de7b32/What+is+a+financial+plan+and+how+do+you+build+one_pic.jpg Journal | Access by Human Investing - What is a financial plan and how do you build one? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/e35773aa-a4a3-48cb-b0f3-549a91ce192b/Financial%2BPlan%2BSteps.jpg Journal | Access by Human Investing - What is a financial plan and how do you build one? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/whats-an-rmd-and-when-do-i-start-taking-one monthly 0.5 2024-10-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1ce85f3e-b8ca-4aba-b307-306e2e6aa3b5/What%27s+an+RMD+and+when+do+I+start+taking+one_pic.png Journal | Access by Human Investing - What's an RMD, and when do I start taking one? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/credit-unions-an-underutilized-financial-institution monthly 0.5 2024-12-19 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/648ab594-e8b2-43ef-b3f7-6ac10c9b65bb/Credit+Unions+An+Underutilized+Financial+Institution_pic.jpeg Journal | Access by Human Investing - Credit Unions: An Underutilized Financial Institution - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/what-are-the-advantages-to-rolling-over-my-401k-into-an-ira-vs-keeping-it-in-the-plan monthly 0.5 2024-10-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/5a6441bb-fe50-4a30-a2f7-1df57032c1f0/What+are+the+advantages+to+rolling+over+my+401%28k%29+into+an+IRA+vs+keeping+it+in+the+plan_pic.png Journal | Access by Human Investing - What are the advantages to rolling over my 401(k) into an IRA vs. keeping it in the plan? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/is-it-time-to-sell-your-home monthly 0.5 2024-07-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1663781178152-IU3PE0XPQI9ULNYN8ND8/unsplash-image-DmEX6_oQI-U.jpg Journal | Access by Human Investing - Section 121 Exclusion: Is it the Right Time to Sell Your Home? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/dfdce032-b772-45e5-8d94-fe93a4d0cde5/section-121-qualifications.jpg Journal | Access by Human Investing - Section 121 Exclusion: Is it the Right Time to Sell Your Home? - Make it stand out Source: CFA Institute https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/42198d65-c3ca-4ca2-bf0d-e9eda4093136/nicole-121-example-01%2Bv3.jpg Journal | Access by Human Investing - Section 121 Exclusion: Is it the Right Time to Sell Your Home? - EXAMPLE #1: SINGLE-FILING TAXPAYER Jordan purchased a home in 2016 for $350,000 and sold it in 2022 for $560,000. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/057bdd59-0af4-40d9-bce8-98784313a4a1/nicole-121-example-02%2Bv2.jpg Journal | Access by Human Investing - Section 121 Exclusion: Is it the Right Time to Sell Your Home? - EXAMPLE #2: COUPLE FILING TAXES JOINTLY Source: CFA Institute https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/39f710f0-3daf-45d5-ba36-64a9b2089b40/nicole-121-example-03-V3.jpg Journal | Access by Human Investing - Section 121 Exclusion: Is it the Right Time to Sell Your Home? - EXAMPLE #3: VACATION HOME TURNED TO A PRIMARY RESIDENCE Samuel and Taylor bought a vacation home on the coast in 2010 for $300,000. They used the home as a vacation home for the first 10 years, and then converted it to their primary residence in 2020. Samuel and Taylor would like to sell their home at some point in 2022 for $500,000. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/604665dc-631b-4d70-8bab-2c528ef23b3b/nicole-121-example-04-V2.jpg Journal | Access by Human Investing - Section 121 Exclusion: Is it the Right Time to Sell Your Home? - EXAMPLE #4: HOMEOWNERS TURNED TO LANDLORDS Miguel and Jasmine purchased their primary home in 2012 for $500,000. They moved out of the home and started renting it in 2020. They sold their home for $1,000,000 in 2022. https://access.humaninvesting.com/journal/payback-periods-how-long-to-make-your-money-back monthly 0.5 2024-07-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/52ccfea4-0673-48e7-a497-1e4ef7579c25/gladhill-payback-chart1-v3+copy.jpg Journal | Access by Human Investing - Payback Periods: How long to Make your Money Back? - Make it stand out Source: CFA Institute https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/c143ede4-414c-472f-8cf8-7b7294568624/gladhill-payback-chart2-v3.jpg Journal | Access by Human Investing - Payback Periods: How long to Make your Money Back? - Make it stand out Source: CFA Institute https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/66f4a5d4-ca9a-4a2d-8c91-3e872ae54ad2/gladhill-payback-chart3-v2.jpg Journal | Access by Human Investing - Payback Periods: How long to Make your Money Back? - Make it stand out Source: CFA Institute https://access.humaninvesting.com/journal/dos-and-donts-of-a-bear-market monthly 0.5 2024-07-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/2b5a2118-dfe7-4074-a480-355b5d515cea/Do%27s%26don%27ts.jpg Journal | Access by Human Investing - Do's and Dont's of a Bear Market - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/4cc7abc6-32ca-49cd-b6b2-01dcb0fd38d5/quote-01.png Journal | Access by Human Investing - Do's and Dont's of a Bear Market - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/the-risk-of-holding-cash-mzh8x monthly 0.5 2024-07-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/c9b56603-74a9-4260-954d-7136a774b138/bearpaw-products-nMpMO6_0VPg-unsplash.jpg Journal | Access by Human Investing - Investing 101: How Dividends Work - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/087322d8-7fdf-45dd-8498-397889bafdb5/dividend%2Bpayouts.jpg Journal | Access by Human Investing - Investing 101: How Dividends Work - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/the-risk-of-holding-cash monthly 0.5 2025-09-15 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/46b03280-ae1d-4002-83a9-bd3ed1e81aaa/Will%2BTable%2B1.jpg Journal | Access by Human Investing - The Risk of Holding Cash - Make it stand out Table 1 Source: Ycharts https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/e9beae70-6881-46c3-b987-ec5840cdf227/will-table.jpg Journal | Access by Human Investing - The Risk of Holding Cash - Make it stand out Table 2 This graph is for illustrative purposes only. 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We listen before we advise, like a trusted doctor diagnoses before they prescribe. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/08a41564-92f3-4ced-ba86-417ed4d4ad87/signature-HI+Team-4-people-ACCESS.png Journal | Access by Human Investing - The Value of Hiring Human Investing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/does-your-employer-offer-a-401k-plan-or-retirement-savings-account monthly 0.5 2024-07-22 https://access.humaninvesting.com/journal/do-you-need-a-financial-calculator monthly 0.5 2024-07-22 https://access.humaninvesting.com/journal/are-you-in-between-jobs monthly 0.5 2024-07-22 https://access.humaninvesting.com/journal/are-you-thinking-about-social-security monthly 0.5 2024-07-22 https://access.humaninvesting.com/journal/how-some-millenials-are-more-resilient-during-financial-shock monthly 0.5 2024-07-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631568112878-56GYJXQTOGG6JHGPQ7O8/.org+image+48.png Journal | Access by Human Investing - How Some Millennials are More Resilient During Financial Shocks - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/the-real-risk-of-owning-bonds monthly 0.5 2024-07-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632502850738-SDXJIJ34NZDNZCMZE8LS/org+image+120.jpg Journal | Access by Human Investing - The Real Risk of Owning Bonds: Too Much in Bonds May Hurt Your Purchasing Power - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632502873916-USKE4RUZLNY72HGOZ7R0/org+image+121.jpg Journal | Access by Human Investing - The Real Risk of Owning Bonds: Too Much in Bonds May Hurt Your Purchasing Power - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/two-ways-to-join-the-roth-club monthly 0.5 2024-07-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632498623357-5BZQQEMGD38R7EC2FSMU/org+image+87.jpg Journal | Access by Human Investing - Two Ways to Join the Roth Club - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632498663185-EDA02P4FVZ22WXODP3W4/org+image+88.png Journal | Access by Human Investing - Two Ways to Join the Roth Club - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632498707225-0O0PA6FNFK7H02MAV5QH/org+image+89.jpg Journal | Access by Human Investing - Two Ways to Join the Roth Club - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632498751059-FSWX0CS3S5M3R7DTF6CJ/org+image+90.jpg Journal | Access by Human Investing - Two Ways to Join the Roth Club - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632498783020-QXJUVZLJU2LW2LORB3N4/org+image+91.jpg Journal | Access by Human Investing - Two Ways to Join the Roth Club - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/is-a-roth-ira-the-right-account-for-you monthly 0.5 2024-07-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631571421180-WX7S7NMAZWXKNKI1MI2Q/.org+image+57.jpg Journal | Access by Human Investing - Is A Roth IRA the Right Account for you? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631571471324-8GV4IYVSN30LKDSM3JKP/.org+image+58.jpg Journal | Access by Human Investing - Is A Roth IRA the Right Account for you? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631571508500-CUPFT8V45Y00YNEWLQF1/.org+image+59.jpg Journal | Access by Human Investing - Is A Roth IRA the Right Account for you? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631571571882-34VZAPHQ6Q0GCASI162Y/.org+image+60.jpg Journal | Access by Human Investing - Is A Roth IRA the Right Account for you? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/your-pre-retirement-checklist monthly 0.5 2022-03-21 https://access.humaninvesting.com/journal/four-unique-advantages-of-social-security monthly 0.5 2024-07-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632498430515-LS7GO05V7Q9T0MDLWJ9Z/org+image+86.jpg Journal | Access by Human Investing - Four Unique Advantages of Social Security - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/kickstarting-your-financial-plan monthly 0.5 2022-03-21 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1623779205377-27IKVOKHAB6AVNKIYX98/unsplash-image-PVIbUkN_wCQ.jpg Journal | Access by Human Investing - Kickstarting Your Financial Plan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1623772211995-SVKYZAU2L0LSPC2RMQUR/rivermark-01.jpg Journal | Access by Human Investing - Kickstarting Your Financial Plan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1623778999116-ZRXFRJFDEV7THMWZ31L4/rivermark-02.jpg Journal | Access by Human Investing - Kickstarting Your Financial Plan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1623779024700-Q2RIJFMDLKLZHB0SEOYR/rivermark-03.jpg Journal | Access by Human Investing - Kickstarting Your Financial Plan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/why-an-ira-makes-more-sense-in-retirement-than-your-401k monthly 0.5 2024-07-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1623782519951-9H9UQPMU297BB6V2UPRR/unsplash-image-PcDGGex9-jA.jpg Journal | Access by Human Investing - Why an IRA makes more sense in retirement than your 401(k) - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/the-3-questions-to-ask-to-build-a-solid-retirement-income-plan monthly 0.5 2022-03-21 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1623781439310-K5NTFYRGFATGYHC55TLL/retirement-income-01+copy.jpg Journal | Access by Human Investing - The 3 Questions to Ask to build a solid retirement income plan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1623781476390-27J0IALKOF5P8P98HCG9/retirement-income-02+copy.jpg Journal | Access by Human Investing - The 3 Questions to Ask to build a solid retirement income plan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1623781509207-UKL7X56H0JN1P2BZJO0S/retirement-income-03.jpg Journal | Access by Human Investing - The 3 Questions to Ask to build a solid retirement income plan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1623781543801-DZTV9S879YD3WF66DETO/inefficient-retirement-income.jpg Journal | Access by Human Investing - The 3 Questions to Ask to build a solid retirement income plan - Make it stand out Assumptions: 4% investment rate of return on all accounts. No additional contributions are made to investment accounts. Taxes include both Federal and Oregon State income tax. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1623781561225-SJG51P3Z7DNVGIRQXUA1/efficient-retirement-income.jpg Journal | Access by Human Investing - The 3 Questions to Ask to build a solid retirement income plan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/combating-the-investing-fomo-and-fobi-in-all-of-us monthly 0.5 2024-07-22 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1623780988399-KF18QDBMVCMJFBN84V7Y/Combating%2BFOMO%2B%26%2BFOBI%2B-%2BBlog.png Journal | Access by Human Investing - Combating the investing FOMO (and FOBI) in all of us - Make it stand out Source: Blackrock; Past performance is no guarantee of future results. The information provided is for illustrative purposes and is not meant to represent the performance of any particular investment. Assumes reinvestment of all distributions. It is not possible to directly invest in an index. 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How Much Money are you Saving by Living with your Parents? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/consistency-is-key monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632434949793-L5I3KSLMYR6Q60C0B3Y7/org+image+5.jpeg Journal | Access by Human Investing - Consistency is Key when Fighting the Dad Bod and Growing your Investing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/the-diference-between-speculating-and-planning monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632502109153-W73Q4PJ92YMBDROJL5B2/org+image+112.jpg Journal | Access by Human Investing - The Difference Between Speculating and Planning - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632502137243-3MC3CLQ2CUYCHETJ2EHE/org+image+113.jpg Journal | Access by Human Investing - 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Providing Sound Advice in a World of Robinhood Investing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/how-to-avoid-the-investing-cycle-of-emotions monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631552086249-ASI9ZWEI3LHD5G07TPRS/.org+image+26.jpg Journal | Access by Human Investing - How to Avoid the Investing Cycle of Emotions - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631552149142-Y1A0AECYPKNJWTFJP2LJ/.org+image+27.png Journal | Access by Human Investing - How to Avoid the Investing Cycle of Emotions - Make it stand out Source: Russell Investments https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631552187644-SKXLWDYLOCDK5BFABO2Y/.org+image+28.png Journal | Access by Human Investing - How to Avoid the Investing Cycle of Emotions - 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What is the Secret to Successful Investing? - Make it stand out Table 3 https://access.humaninvesting.com/journal/a-rebuttal-why-401k-plans-still-make-tremendous-sense-for-savers monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632437795792-YCV13LH3UGO6IQ27GON6/org+image+17.jpeg Journal | Access by Human Investing - A Rebuttal: Why 401(k) Plans Still Make Tremendous Sense for Savers - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/equity-returns-are-in-your-favor monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631551220307-0NLG69CWVO9LMY1R3N8K/.org+image+20.jpg Journal | Access by Human Investing - Equity Returns are in your Favor: The Positives Outweigh the Negatives - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631551307381-P9QYOSETEKZSNTCO5CZF/.org+image+21.jpg Journal | Access by Human Investing - Equity Returns are in your Favor: The Positives Outweigh the Negatives - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/financial-literacy-starts-young monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631551001381-58RGHLANR2WLH25SN2XY/.org+image+19.jpeg Journal | Access by Human Investing - Financial Literacy Starts Young: Knowledge that Pays - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/how-to-thoughtfully-finance-a-car-or-any-big-ticket-purhcase monthly 0.5 2025-05-14 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631549632462-B1PX4WKQHW5LCW4IS2UV/.org+image+17.jpg Journal | Access by Human Investing - How to Thoughtfully Finance a Car or any Big Ticket Purchase - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631549694123-W463KMT9VKCH0Y4YCC4L/.org+image+18.png Journal | Access by Human Investing - How to Thoughtfully Finance a Car or any Big Ticket Purchase - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/2952a6ef-ed99-4f63-a662-599bd9934170/signature-your+hi+team-no+names.png Journal | Access by Human Investing - How to Thoughtfully Finance a Car or any Big Ticket Purchase - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/how-to-build-an-emergency-fund monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632501520371-1WISIU9K1KKCUH0A4EG8/org+image+108.jpg Journal | Access by Human Investing - How to Build an Emergency Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/5-today-is-worth-more-than-5-tomorrow monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632501066567-KW6MHL5N6MKM1BIA1Y8E/org+image+104.jpg Journal | Access by Human Investing - $5 Today is Worth More than $5 Tomorrow - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632501107992-CMMLAX35EXA6U17HGWA6/org+image+105.jpg Journal | Access by Human Investing - $5 Today is Worth More than $5 Tomorrow - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632501142211-PVSZ2RQW18ZAJ5CZLDGK/org+image+106.jpg Journal | Access by Human Investing - $5 Today is Worth More than $5 Tomorrow - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632501180426-QAVOKP9QSVAHK683EGTH/org+image+107.jpg Journal | Access by Human Investing - $5 Today is Worth More than $5 Tomorrow - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632501214402-TC9ZBS576HIMI03QWP3N/org+image+108.png Journal | Access by Human Investing - $5 Today is Worth More than $5 Tomorrow - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/if-you-fail-to-plan-you-are-planning-to-fail monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632500615046-8YVW8AL1PCKI6K44G9VQ/org+image+101.png Journal | Access by Human Investing - "If you Fail to Plan, you are Planning to Fail" - Make it stand out Note: This is for illustrative purposes only. Investment returns, interest rates, and loan periods will vary. https://access.humaninvesting.com/journal/college-savings-and-529-plans monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631547999057-SL13BWJTQOXSWW22PVG6/.org+image+16.jpg Journal | Access by Human Investing - College Savings and 529 Plans: The Significant Benefits of Starting Early - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/see-the-life-and-evolution-of-a-target-date-fund monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632437360215-GWJ4I8JSHBBFOYO27KH7/org+image+10.jpeg Journal | Access by Human Investing - See the Life and Evolution of a Target Date Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632437412532-WBGTY236YA7EQMKOEUQO/org+image+11.jpeg Journal | Access by Human Investing - See the Life and Evolution of a Target Date Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632437445862-RTIM6DLLWYMISD2DUBMR/org+image+12.jpeg Journal | Access by Human Investing - See the Life and Evolution of a Target Date Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632437481220-UM89B9WAUA61X9NVB13H/org+image+13.jpeg Journal | Access by Human Investing - See the Life and Evolution of a Target Date Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632437521043-AE1H8KGOF6SPSV1RRH8Y/org+image+14.jpeg Journal | Access by Human Investing - See the Life and Evolution of a Target Date Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632437565137-L7KSUZ78U1QSAULJC4FV/org+image+15.jpeg Journal | Access by Human Investing - See the Life and Evolution of a Target Date Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632437600590-EXEGR6H9UYKWMMZHAFB9/org+image+16.jpeg Journal | Access by Human Investing - See the Life and Evolution of a Target Date Fund - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/my-target-date-fund-reache-the-target-year monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632435591555-94XZD55DSVJGO6H7H4PG/org+image+9.jpeg Journal | Access by Human Investing - My Target-Date Fund Reached the Target year... Now What? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/three-market-factors-that-are-turning-your-home-into-an-even-more-valuable-investment monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632500797791-S8XGSWBHYV6TV0F462X5/org+image+100.jpeg Journal | Access by Human Investing - Three Market Factors that are Turning your Home into an Even More Valuable Investment - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/a-reminder-to-keep-your-401k-boxes-checked monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632435144161-TJ50JZ163NT8WHK2IVBP/org+image+6.jpeg Journal | Access by Human Investing - A Reminder to Keep your 401k Boxes Checked - Make it stand out We are now crossing a zone of turbulence. The Captain has turned on the fasten seat belt sign. Please remain seated. Thank you. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632435199325-WLP6CKQTW8FN1LM2XIM5/org+image+7.png Journal | Access by Human Investing - A Reminder to Keep your 401k Boxes Checked - Make it stand out Total values (assuming a 7% annual rate of return and an inflation rate of 3.22%). Actual results will vary. https://access.humaninvesting.com/journal/managing-your-personal-finances-through-a-crisis monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632499494065-WRUVYW2P2KNPTN8VVSI8/org+image+97.jpg Journal | Access by Human Investing - Managing your Personal Finances Through a Crisis - Make it stand out @makenna_entrikin https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632499531281-9LSAMQGY0UBGA0MXSYAL/org+image+98.png Journal | Access by Human Investing - Managing your Personal Finances Through a Crisis - Make it stand out Source: Dalbar. Past performance is no guarantee of future results. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632499591139-QDPNIYFSVZTW2UFUY85E/org+image+99.png Journal | Access by Human Investing - Managing your Personal Finances Through a Crisis - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/journal/is-now-a-good-time-to-refinance-my-student-loans monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631309662628-G1CAI2Y4BLRNXJ98Y14S/.org+image+14.jpeg Journal | Access by Human Investing - Is Now a Good Time to Refinance my Student Loans? - Make it stand out This will probably take place in Animal Crossing this year https://access.humaninvesting.com/journal/spend-time-on-saving-money monthly 0.5 2024-07-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1631309433094-5CLDL3EX1P7WD4I15QYL/.org+image+13.jpg Journal | Access 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0.5 https://access.humaninvesting.com/journal/tag/top+5 monthly 0.5 https://access.humaninvesting.com/new-gallery-1 daily 0.75 2025-08-29 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1756495555673-LBMC4WPZLHQ16URUON0U/image-asset.webp Human Investing Team WILL KELLAR, CFP® Partner, Lead Advisor https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1756495555673-LBMC4WPZLHQ16URUON0U/image-asset.webp Human Investing Team WILL KELLAR, CFP® Partner, Lead Advisor https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1756495270532-ZP4LKBE6K6VX4DFEOKHB/amber-jones.jpg Human Investing Team DRAYTON CARLBURG, CFP® Partner, Lead Advisor https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1756495344155-E95SO0S4H5IAKFALNM9D/rachelle-locey.jpg Human Investing Team ROBIN DONOVAN Associate Advisor https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1624335767740-XZUSAO9XLM82KLEBFF91/andrew-gladhill.jpg Human Investing Team ANDREW GLADHILL, CFA Director of Investments and Compliance https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1756495378791-ZJ3EXV3NW5S4F9G20XMI/image-asset.webp Human Investing Team HOLLY HUDDELSON, CPA Advisor https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1756495425975-CHNJJ661RCK6XNMAKVCJ/drayton-carlberg.jpg Human Investing Team ANDREW NELSON, AIF, MBA CEO https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1660869744085-D8N5HGF9YANZC2JBJMMW/kristin-morris+copy.jpg Human Investing Team KRISTIN MORRIS Client Service Administrator https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1624335865975-0QUXQYU6S7UD8JX4IP2E/luke-schultz.jpg Human Investing Team LUKE SCHULTZ, CPA Director of Tax https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1624335942712-K8706YD2WYTP8RBA1DN1/marc-kadomatsu.jpg Human Investing Team MARC KADOMATSU CFP®, ChFC®, CLU® Managing Partner, Director of Financial Planning https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1624335921462-PIA8KITP2I7AY5YGHUNB/jill-novak.jpg Human Investing Team JILL NOVAK, SHRM-CP Partner, Director of Operations https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1624335971601-P6HYOXPTY955H0YVG7UL/pete-fisher.jpg Human Investing Team DR. PETER FISHER Founding Partner, Executive Chairman https://access.humaninvesting.com/roth daily 0.75 2025-09-11 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1643312995492-PXZOQ0X32YQUH8Z43CPM/bg-navy.jpg Roth IRAs with Human Investing https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1643332714535-BFECE4CVTLRRGSSX8DQ4/bg-tan.jpg Roth IRAs with Human Investing https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/ba408899-899c-4d0a-903f-5916a2b04320/betterment-step1-v3.jpg Roth IRAs with Human Investing - STEP 1 Input your retirement status. Click Continue. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/11cd5177-251d-4aca-9c31-d7159d9ae586/betterment-step2.jpg Roth IRAs with Human Investing - STEP 2 Input your age. Click Continue. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/2e51edba-d659-4b1a-8b4c-144acadb7b0a/betterment-step3.jpg Roth IRAs with Human Investing - STEP 3 Input your annual income. If retired, calculate your Social Security. Click Continue. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/ad2c488d-64c7-4e37-9be4-f0368f66f08e/betterment-step4.jpg Roth IRAs with Human Investing - STEP 4 Select the “Retirement” goal in the middle. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/4b8ee363-10dc-408d-82eb-d75840d4e942/betterment-step5.jpg Roth IRAs with Human Investing - STEP 5 Select “Roth IRA”. Click Continue https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/a798e832-1859-462e-960b-dbe0482461e9/betterment-step6.jpg Roth IRAs with Human Investing - STEP 6 Review your recommended portfolio. Click Continue. If you’re not sure this is the right portfolio for you, schedule an investing call with one of our member advisors. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/b2f2a0d6-679b-4812-bdc6-6ed2d7f5dd45/betterment-step7-v3.jpg Roth IRAs with Human Investing - STEP 7 Now, create an account using your email address. Please have your SSN handy. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/c365a441-de35-48fd-a825-2cb39effa747/betterment-steps-square+copy.jpg Roth IRAs with Human Investing 1. Login to your Account Here 2. Click “Deposit” in the top right corner to start this process. 3. Click on Your ROTH IRA 4. Connect a bank account. Note this will ask you for your Login Credentials. 5. Select Frequency and Amount 6. Review and Submit https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/895bf2ef-376e-4472-a2c8-9b09e22c8ced/Disclosures-RM-You.png Roth IRAs with Human Investing - Make it stand out Investment Advisory Services are offered through HUMAN INVESTING, LLC. in association with RIVERMARK COMMUNITY CREDIT UNION. The investment services and products are NOT FEDERALLY INSURED, NOT OBLIGATIONS OF, AND NOT GUARANTEED BY THE CREDIT UNION OR ANY AFFILIATED ENTITY, AND SUBJECT TO NORMAL INVESTMENT RISKS, INCLUDING THE POSSIBLE LOSS OF PRINCIPAL. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/a9e463ef-9908-42f5-9942-68cdf4925ac9/unsplash-image-BaXv-y6o2f4.jpg Roth IRAs with Human Investing - WHAT IS A ROTH IRA? Roth Individual Retirement Accounts (Roth IRAs) are a powerful retirement savings tool. Counter to Traditional IRAs, Roth IRAs have a tax advantage that allow you to grow your retirement savings tax-free and withdraw the funds tax and penalty-free inside certain parameters. As part of our planning process, we can help you decide which retirement account fits your financial goals. We’ll work with you to help manage and fund your accounts. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/cddcb8e7-e746-40f7-a2ba-740ac82be42c/unsplash-image-ZWbBxZ6zTwM.jpg Roth IRAs with Human Investing - DO I QUALIFY FOR A ROTH IRA? In 2025, you can open and fund a Roth IRA if your earned income is under $150,000 if you are filing single or under $236,000 if your are married filing jointly. You can open and fund a Roth IRA even if you are covered by a retirement plan through your employer. Contributions to a Roth IRA are made with after-tax dollars so your contributions are not tax deductible. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/f1d1a83c-c21b-4c47-b390-863222f9ee62/kelly-sikkema-tQQ4BwN_UFs-unsplash.jpg Roth IRAs with Human Investing - HOW WILL MY ROTH IRA AFFECT MY TAXES? This is where the Traditional IRA and Roth IRA are different. Roth IRA contributions are made with after-tax dollars as payroll and income taxes have already been paid for from your gross earnings. Your account grow tax-free and you pay no taxes on those dollars when you withdraw them after age 59. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/dc43e989-a3ba-427a-b17e-36b298f8a918/unsplash-image-0CTiOp0Zwrg.jpg Roth IRAs with Human Investing - RULES ON WITHDRAWALS Withdrawals are only tax-free if it’s been 5 years since your first contribution and you are 59 ½. You can withdraw your contributions (but not earnings) whenever you like penalty-free. If you withdraw earnings before age 59 ½ you will be subject to paying taxes and penalties. You can sometimes withdraw funds before 59 ½ for certain situations like buying your first home or paying off education or healthcare expenses. RMDs are not required for Roth IRAs. https://access.humaninvesting.com/ira daily 0.75 2025-09-11 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1643312995492-PXZOQ0X32YQUH8Z43CPM/bg-navy.jpg Traditional IRAs with Human Investing https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1643332714535-BFECE4CVTLRRGSSX8DQ4/bg-tan.jpg Traditional IRAs with Human Investing https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/e610a89a-f33c-4036-94e9-988db2cc08ef/katarzyna-grabowska-sRAWQyoUiVQ-unsplash.jpg Traditional IRAs with Human Investing - WHAT IS A TRADITIONAL IRA? Individual Retirement Accounts (IRAs) are powerful retirement savings tools. It has tax advantages that can grow your retirement nest egg quickly and help lower your taxable income each year. We work with members to help them manage and fund their retirement accounts in the context of their financial plan and objectives. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/d75b859e-68e6-4fcc-884c-7ff85dbf2c03/sarah-medina-KmHBlHFAtms-unsplash.jpg Traditional IRAs with Human Investing - DO I QUALIFY FOR A TRADITIONAL IRA? If you or your spouse received taxable compensation during the year, you can open and fund a traditional IRA. You can have a traditional IRA whether or not you are covered by any other retirement plan. However, you may not be able to deduct all of your contributions if you or your spouse is covered by an employer retirement plan. See How Much Can You Deduct on the IRS website or consult with your tax professional to determine if your contribution is deductible. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/f1d1a83c-c21b-4c47-b390-863222f9ee62/kelly-sikkema-tQQ4BwN_UFs-unsplash.jpg Traditional IRAs with Human Investing - HOW WILL MY IRA AFFECT MY TAXES? Depending on your income and filing status (married, single, etc.) contributions you make to a traditional IRA may be fully or partially deductible. For 2025, the maximum contribution is $7,000. If you are over 50 years old you can contribute an extra $1,000 for a total of $8,000. Generally, amounts in your traditional IRA (including earnings and gains) are not taxed until you take a distribution from your IRA. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/ba408899-899c-4d0a-903f-5916a2b04320/betterment-step1-v3.jpg Traditional IRAs with Human Investing - STEP 1 Input your retirement status. Click Continue. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/11cd5177-251d-4aca-9c31-d7159d9ae586/betterment-step2.jpg Traditional IRAs with Human Investing - STEP 2 Input your age. Click Continue. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/2e51edba-d659-4b1a-8b4c-144acadb7b0a/betterment-step3.jpg Traditional IRAs with Human Investing - STEP 3 Input your annual income. If retired, calculate your Social Security. Click Continue. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/ad2c488d-64c7-4e37-9be4-f0368f66f08e/betterment-step4.jpg Traditional IRAs with Human Investing - STEP 4 Select the “Retirement” goal in the middle. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/130a46d2-17c2-46e6-857a-0a5c0831f2f9/betterment-step5-traditionalira.jpg Traditional IRAs with Human Investing - STEP 5 Select “Traditional IRA”. Click Continue https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/a798e832-1859-462e-960b-dbe0482461e9/betterment-step6.jpg Traditional IRAs with Human Investing - STEP 6 Review your recommended portfolio. Click Continue. If you’re not sure this is the right portfolio for you, schedule an investing call with one of our member advisors. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/b2f2a0d6-679b-4812-bdc6-6ed2d7f5dd45/betterment-step7-v3.jpg Traditional IRAs with Human Investing - STEP 7 Now, create an account using your email address. Please have your SSN handy. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/c365a441-de35-48fd-a825-2cb39effa747/betterment-steps-square+copy.jpg Traditional IRAs with Human Investing 1. Login to your Account Here 2. Click “Deposit” in the top right corner to start this process. 3. Click on Your IRA 4. Connect a bank account. Note this will ask you for your Login Credentials. 5. Select Frequency and Amount 6. Review and Submit https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/895bf2ef-376e-4472-a2c8-9b09e22c8ced/Disclosures-RM-You.png Traditional IRAs with Human Investing - Make it stand out Investment Advisory Services are offered through HUMAN INVESTING, in association with RIVERMARK COMMUNITY CREDIT UNION. The investment services and products are NOT FEDERALLY INSURED, NOT OBLIGATIONS OF, AND NOT GUARANTEED BY THE CREDIT UNION OR ANY AFFILIATED ENTITY, AND SUBJECT TO NORMAL INVESTMENT RISKS, INCLUDING THE POSSIBLE LOSS OF PRINCIPAL. https://access.humaninvesting.com/review daily 0.75 2025-08-29 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1643312995492-PXZOQ0X32YQUH8Z43CPM/bg-navy.jpg Annual Reviews | Human Investing https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/5092992e-c363-4c89-9ced-3ec6693181a1/signature-HI+Team-4-people-AWhite.png Annual Reviews | Human Investing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/96c14bdc-6a6a-4cda-8ad2-a9b1285bcde4/drayton-2023.jpg.webp Annual Reviews | Human Investing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/2adda116-58aa-4e87-8e45-2b223ba08ef8/amanda.jpg.webp Annual Reviews | Human Investing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/92821ecc-afa4-49d7-98ff-581b328072b8/Robin.jpg.webp Annual Reviews | Human Investing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/beneficiaries daily 0.75 2023-01-05 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1643312995492-PXZOQ0X32YQUH8Z43CPM/bg-navy.jpg Adding Beneficiaries | Human Investing https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1632162307456-BOHNOVZ0ZNE6ORLBBKNQ/bg-dark-green.jpg Adding Beneficiaries | Human Investing https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/37532e29-8555-47c8-a5d7-5426e958be28/unsplash-image-AMFWArSckYM.jpg Adding Beneficiaries | Human Investing - BEFORE YOU GET STARTED 1. You’ll need two things: Your Account Holder’s SSN, all your beneficiary’s full names & birthdates 2. We recommend doing it yourself online as this will only take 10-20 minutes. Our step by step instructions are below. 3. If you’d like more help, click here to have the Schwab Alliance Team or Human Investing complete this for you. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/0edb35f5-1a1a-40d3-ba01-be40908d8fd4/01-Login.jpg Adding Beneficiaries | Human Investing - VISIT SCHWABALLIANCE.COM 1. Login to schwaballiance.com. 2. Along the top menu bar, hover the cursor over Service and click Beneficiaries under My Profile. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/db1cafd2-16eb-4ab5-b289-36bb9f8182d2/02-Edit+Account.jpg Adding Beneficiaries | Human Investing - FIND YOUR ACCOUNT 3. Scroll down to locate the appropriate account. Expand the account by clicking the drop down arrow. 4. You’ll either see no beneficiaries or current beneficiaries here. 5. Click Edit Account. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/6c19f58c-f188-4328-b2f3-7af9c765e2e2/03+Add+Edit+Remove+Beneficiary.jpg Adding Beneficiaries | Human Investing - EDIT YOUR BENEFICIARIES 6. Click Create a New Beneficiary and a pop-up window will appear. This is also where you can add, edit, or remove your beneficiaries in the future. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/3249d591-e01f-4028-976d-ea61aac5108d/04+Pop+Up.jpg Adding Beneficiaries | Human Investing - ENTER YOUR BENEFICIARY INFORMATION 7. Enter the beneficiary’s personal information. If adding a trust, organization, or estate as a beneficiary, change the Beneficiary Type to Entity. Under Entity Type, select trust, organization, or estate. 8. Click Continue. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/3a83ba11-b81d-4125-ae97-91aa3d2786f2/05+Edit-Allocation.jpg Adding Beneficiaries | Human Investing - ALLOCATE BENEFICIARY AMOUNTS 9. Enter the portion each beneficiary will receive, either as a percentage or fixed dollar amount. You can also use the radio button to divide the assets evenly among beneficiaries. 10. Repeat steps 6-10 as necessary. 11. Click Continue to proceed to Contingent Beneficiaries. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/60ef9eba-9254-4983-8e51-c1c83df20d19/06+Contingent-Beneficiaries.jpg Adding Beneficiaries | Human Investing - CONTINGENT BENEFICIARIES 12. Following the same steps as before, add any contingent beneficiaries to inherit assets if there are no surviving primary beneficiaries. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/19879f91-98c5-4b71-a6fe-e0a6e7826704/07+Additional-Options.jpg Adding Beneficiaries | Human Investing - ADDITIONAL OPTIONS 13. Review the Additional Options section and elect per stirpes or per capita designations. Click Learn More for explanations. 14. Click Continue. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/432e8c06-eeb0-419c-9a16-122d2181096f/08+Final+Review.jpg Adding Beneficiaries | Human Investing - YOU’VE ADDED YOUR BENEFICIARIES 15. Click I agree and Submit https://access.humaninvesting.com/zendesk-test daily 0.75 2022-07-06 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1643312995492-PXZOQ0X32YQUH8Z43CPM/bg-navy.jpg Zendesk Test https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1643332714535-BFECE4CVTLRRGSSX8DQ4/bg-tan.jpg Zendesk Test https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/2d9546aa-570b-457c-b9f5-7a66b3f58c1e/human+investing+registered+-+white+BLOG.png Zendesk Test - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/e610a89a-f33c-4036-94e9-988db2cc08ef/katarzyna-grabowska-sRAWQyoUiVQ-unsplash.jpg Zendesk Test - WHAT IS A TRADITIONAL IRA? Individual Retirement Accounts (IRAs) are powerful retirement savings tools. It has tax advantages that can grow your retirement nest egg quickly and help lower your taxable income each year. We work with members to help them manage and fund their retirement accounts in the context of their financial plan and objectives. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/d75b859e-68e6-4fcc-884c-7ff85dbf2c03/sarah-medina-KmHBlHFAtms-unsplash.jpg Zendesk Test - DO I QUALIFY FOR A TRADITIONAL IRA? If you or your spouse received taxable compensation during the year, you can open and fund a traditional IRA. You can have a traditional IRA whether or not you are covered by any other retirement plan. However, you may not be able to deduct all of your contributions if you or your spouse is covered by an employer retirement plan. See How Much Can You Deduct on the IRS website or consult with your tax professional to determine if your contribution is deductible. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/f1d1a83c-c21b-4c47-b390-863222f9ee62/kelly-sikkema-tQQ4BwN_UFs-unsplash.jpg Zendesk Test - HOW WILL MY IRA AFFECT MY TAXES? Depending on your income and filing status (married, single, etc.) contributions you make to a traditional IRA may be fully or partially deductible. For 2021, the maximum contribution is $6,000. If you are over 50 years old you can contribute an extra $1,000 for a total of $7,000. Generally, amounts in your traditional IRA (including earnings and gains) are not taxed until you take a distribution from your IRA. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/ba408899-899c-4d0a-903f-5916a2b04320/betterment-step1-v3.jpg Zendesk Test - STEP 1 Input your retirement status. Click Continue. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/11cd5177-251d-4aca-9c31-d7159d9ae586/betterment-step2.jpg Zendesk Test - STEP 2 Input your age. Click Continue. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/2e51edba-d659-4b1a-8b4c-144acadb7b0a/betterment-step3.jpg Zendesk Test - STEP 3 Input your annual income. If retired, calculate your Social Security. Click Continue. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/ad2c488d-64c7-4e37-9be4-f0368f66f08e/betterment-step4.jpg Zendesk Test - STEP 4 Select the “Retirement” goal in the middle. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/130a46d2-17c2-46e6-857a-0a5c0831f2f9/betterment-step5-traditionalira.jpg Zendesk Test - STEP 5 Select “Traditional IRA”. Click Continue https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/a798e832-1859-462e-960b-dbe0482461e9/betterment-step6.jpg Zendesk Test - STEP 6 Review your recommended portfolio. Click Continue. If you’re not sure this is the right portfolio for you, schedule an investing call with one of our member advisors. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/b2f2a0d6-679b-4812-bdc6-6ed2d7f5dd45/betterment-step7-v3.jpg Zendesk Test - STEP 7 Now, create an account using your email address. Please have your SSN handy. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/c365a441-de35-48fd-a825-2cb39effa747/betterment-steps-square+copy.jpg Zendesk Test 1. Login to your Account Here 2. Click “Deposit” in the top right corner to start this process. 3. Click on Your IRA 4. Connect a bank account. Note this will ask you for your Login Credentials. 5. Select Frequency and Amount 6. Review and Submit https://access.humaninvesting.com/yearsinthemaking daily 1.0 2025-08-29 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1643312995492-PXZOQ0X32YQUH8Z43CPM/bg-navy.jpg Welcome to Access by Human Investing https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1641408259839-3B1XDL7JYJSO0F1LZH52/coop-bg-01-02-02-02.jpg Welcome to Access by Human Investing https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1643312995492-PXZOQ0X32YQUH8Z43CPM/bg-navy.jpg Welcome to Access by Human Investing https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/08a41564-92f3-4ced-ba86-417ed4d4ad87/signature-HI+Team-4-people-ACCESS.png Welcome to Access by Human Investing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/42b0fe7c-5b7e-4d64-8752-c212f5695be2/access-pricing-is-125.jpg Welcome to Access by Human Investing - LOW FEES MAKE YOUR MONEY GO FURTHER We have no account minimums, take no commissions, and we’re fee-only. You’ll pay 1.25% annually on assets under our management up to $500,000. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/22b9b225-0c03-4c14-a83c-feb398251d4e/financial-planning.jpg Welcome to Access by Human Investing - IT STARTS WITH A FINANCIAL PLAN Are you looking for your first down payment for a home? Are you wondering if you’ll retire on time? Do you want to do more with your income, savings, and company benefits? A financial plan can give you these answers. It integrates all aspects of your financial life and the best part is it constantly adapts with your needs over time. https://access.humaninvesting.com/new-gallery-3 daily 0.75 2022-08-03 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1659546619326-SRTGGX3TWIM6HI5U5KPH/services-CU.jpg Access Audiences https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1659546619326-SRTGGX3TWIM6HI5U5KPH/services-CU.jpg Access Audiences https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1659546664644-03S757EJR7E7O14GKE0L/services-members.jpg Access Audiences https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1659546682758-WC2LDDMOGKSH8LI2B371/services-blog.jpg Access Audiences https://access.humaninvesting.com/access-offerings daily 0.75 2025-07-29 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1664315314248-QYL5RWL4Y5SLZW07BYOO/goals-based-planning-01.png Access Offerings - Goals Based Planning Create a plan for your financial goals and track your progress. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1664315314248-QYL5RWL4Y5SLZW07BYOO/goals-based-planning-01.png Access Offerings - Goals Based Planning Create a plan for your financial goals and track your progress. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1664314774728-UDJCSQKTN8PIUJSFM0HR/001-bulb.png Access Offerings - Personal Dashboard One-stop destination to see your investments. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1664314697767-TBS375D3PXYTMU0V0JI9/001-antenna-1.png Access Offerings - Goals Based Plan Integrate all aspects of your financial life into a plan that works for you https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1747242219585-8HX60CWFRFXE5PVJ6QOQ/003-discount.png Access Offerings - Dedicated Advisor Your fiduciary expert on saving, investing, and planning. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1664314949561-QRU9ZH4WXI7B6GYQPU6I/ball-tet.png Access Offerings - Educational Content Ongoing market perspectives and practical financial advice. https://access.humaninvesting.com/resources daily 0.75 2025-07-03 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/8bcc3599-30f5-45e5-a9e3-e0624e3e43a3/helpdesk.jpg Resources | Access by Human Investing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://access.humaninvesting.com/access-next-steps daily 0.75 2024-12-19 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1734636652785-IFMN8EOE4NJENAYD6QGZ/step-01-chat.png Access Next Steps - 1. Schedule a meeting Start below or call us and we’ll pair you with the right advisor. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1734636652785-IFMN8EOE4NJENAYD6QGZ/step-01-chat.png Access Next Steps - 1. Schedule a meeting Start below or call us and we’ll pair you with the right advisor. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1734637980963-H345UMRV6HPNO46DHLSC/step-03-account.png Access Next Steps - 2. Open an account Create a secure profile and we’ll dive into your goals and needs. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1734636653719-O3HHTSK63XLDRCCQ1PYK/step-02.png Access Next Steps - 3. Your Financial Plan We’ll present strategies, scenarios, and next steps. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1734636652913-DV5IXFRP4EB9UPWVICWJ/step-03.png Access Next Steps - 4. 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Cornell Law defines being a fiduciary as "the highest standard of care." Many advisors, brokers, and insurance agents promise this but after sifting through the fine print, surprisingly less than 2% deliver on it. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1628619903772-8DU6BLU69LFY8UAFWTGI/questions-02.jpg What to look for in an advisor - WE HAVE CERTIFIED PLANNERS, ACCOUNTANTS, AND ANALYSTS. We continually invest in our team to be the best financial experts. Every member will have access to seasoned CERTIFIED FINANCIAL PLANNERS™, Certified Public Accountants, and more. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1628619923958-104NKQ0WAAZ9RZJ37KBY/questions-03.jpg What to look for in an advisor - WE CREATE FINANCIAL PLANS. These are living blueprints, playbooks, and guides to help you reach your financial and life goals. There are over 50 different parts that can make up a financial plan. This includes cash flow creation, tax strategy, investment management, asset protection, and estate and wealth transfers. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1628619955352-PCF84GZY9CX5BE2SV9RY/questions-04.jpg What to look for in an advisor - WE CHARGE AN ANNUAL MANAGEMENT FEE BASED OFF THE TOTAL VALUE OF YOUR ASSETS. We are fee-only and our fees are competitive versus traditional financial institutions. There are no hidden fees, no commissions, and no selling pressure. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1628619976696-R2AP5CKN61OH2FJ2AUG7/questions-05.jpg What to look for in an advisor - IT STARTS BY GETTING TO KNOW WHAT MATTERS TO YOU. No two financial plans are the same. We take where you are now, your risk tolerance, your life and financial goals and generate a plan of action for you. We’ll show you different scenarios and investment strategies to get there. 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The investment services and products are NOT FEDERALLY INSURED, NOT OBLIGATIONS OF, AND NOT GUARANTEED BY THE CREDIT UNION OR ANY AFFILIATED ENTITY, AND SUBJECT TO NORMAL INVESTMENT RISKS, INCLUDING THE POSSIBLE LOSS OF PRINCIPAL. https://access.humaninvesting.com/new-page-234234-1 daily 0.75 2022-03-23 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1623804054591-NVFWZKQY1MV0KMGRPXBE/bg-grey.jpg Technology (Copy) https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/e766154e-1493-46b2-9397-ac31e67cbca0/trusted-technologies.jpg Technology (Copy) - SETUP A PERSONAL DASHBOARD See your financial plan in one place. 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We’re helping all employees maximize their employee benefits. https://access.humaninvesting.com/retirement daily 0.75 2025-09-18 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/1649089144864-9T1Y13LYLF5SHNJOB5ZY/bg-retirement-v2.jpg Retirement Savings | Human Investing https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/457688e5-bc0e-4209-9def-5897e778ca4d/entrepreneur.jpg Retirement Savings | Human Investing - RETIREMENT PLANS FOR COMPANIES OF ANY SHAPE AND SIZE Nearly a third of entrepreneurs don’t have a retirement savings plan. Whether you’re a team of one or manage 100 employees, retirement can be a priority. We partner with the top custodial banks in the world including Fidelity and Schwab to manage retirement plans. While you’re focusing on your vision and craft, we’ll help ensure that your financial future is secure. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/28ff787a-bbd4-4a1a-bd5d-2f2dccaed20b/retirement-brighter.jpg Retirement Savings | Human Investing - THERE ARE MANY OPTIONS TO CHOOSE FROM Download our one-page guide that shows off all the different factors to consider when selecting your plan. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/9e14e8f3-2ead-4c65-959e-c1ccf0e79d8b/number-one-square+copy.jpg Retirement Savings | Human Investing - ROTH IRA BENEFITS Retirement experts believe the Roth IRA is the best retirement account around. Its biggest advantages are tax-free growth and tax-free withdrawals. You also get flexible investment options and the ability to withdraw money whether you need it or not — no required minimum distributions (RMDs). Learn more from our recorded livecast. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/f7b06ecf-ef39-4414-9abe-ce3021c6b51c/401kfor.jpg Retirement Savings | Human Investing - WHO A ROTH IRA IS FOR A Roth IRA is for everyone who makes under $150K a year individually or $236K a year if you file jointly. You can only contribute to a Roth IRA from money on which you've already paid taxes on so this is for those who can save more now but want to reap the amazing tax-free benefits later. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/06d7ccf2-740f-469e-b788-eba263ac364c/column-white.jpg Retirement Savings | Human Investing - TRADITIONAL IRA BENEFITS Traditional IRA’s are a powerful savings tool to building your retirement foundation. It has tax advantages that can grow your retirement nest egg quickly and help lower your taxable income each year. You also have access to more investment options than traditional 401(k)’s. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/baea9892-a764-437f-ae23-68f74aecf908/older-couple-v2.jpg Retirement Savings | Human Investing - WHO A TRADITIONAL IRA IS FOR We recommend Traditional IRA’s for those in moderate-to-high tax brackets or want to supplement their company retirement plans with another retirement vehicle. You can also use it to start retiring. Unlike Roth IRA’s, Traditional IRA’s are pre-taxed and can help lower your taxable income. So the question is when you want your tax benefit -- now or after you retire. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/f3c8481c-7ab6-429e-bb39-747dea00eb15/markus-spiske-QozzJpFZ2lg-unsplash.jpg Retirement Savings | Human Investing - DON’T ABANDON YOUR OLD RETIREMENT PLAN No matter how many plans you have with different companies, we can consolidate your old 401k’s (or 403b) into a single IRA and grow your retirement income. Read about all the benefits. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/895bf2ef-376e-4472-a2c8-9b09e22c8ced/Disclosures-RM-You.png Retirement Savings | Human Investing - Make it stand out Investment Advisory Services are offered through HUMAN INVESTING, in association with RIVERMARK COMMUNITY CREDIT UNION. The investment services and products are NOT FEDERALLY INSURED, NOT OBLIGATIONS OF, AND NOT GUARANTEED BY THE CREDIT UNION OR ANY AFFILIATED ENTITY, AND SUBJECT TO NORMAL INVESTMENT RISKS, INCLUDING THE POSSIBLE LOSS OF PRINCIPAL. https://access.humaninvesting.com/review/will daily 0.75 2025-08-29 https://access.humaninvesting.com/our-advantage daily 0.75 2025-05-14 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/3b0bf466-9615-4528-b83a-6bb8179f93ee/hi-puzzle-2022.jpg Access by Human Investing | Our Advantage - A PERSONALIZED FINANCIAL PLAN Integrate all aspects of your financial life into a plan that works toward short and long-term goals. Everyone’s plan will look different. 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NO MINIMUMS, NO COMMISSIONS, NO SURPRISES We’re fee-only and our fees are competitive. Our fees start at 1.25% per year. For example, an account with an annual balance of $10,000 will cost only $125 per year for our services. Low fees mean more money for reaching financial goals quickly. https://access.humaninvesting.com/about-us daily 0.75 2025-08-29 https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/231cd06a-2772-4234-9979-b6b66d8e119d/access-team-wheel.jpg Access by Human Investing | About Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/9d418f7a-6aca-4194-b536-3a7d84ccc9a4/drayton-2023.jpg Access by Human Investing | About Us - Make it stand out DRAYTON CARLBERG, CFP® | ADVISOR Drayton has spent the first part of his career at Human Investing as a Trade Analyst, executing the portfolio management tasks for the firm. Drayton is intimately familiar with our firms investment philosophy and strategies and works with clients to make sure their financial goals and account investments are aligned. Coming from a competitive athletic background, Drayton brings a strong sense of teamwork and enthusiasm to his role as an associate advisor. He is passionate about serving our clients well. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/5bec630c-9082-457b-9746-9c8f966fae17/Robin.jpg Access by Human Investing | About Us - Make it stand out ROBIN DONOVAN | ASSOCIATE ADVISOR Robin has a diverse background in business and science communication. 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LAW FIRM Efrem is licensed in Oregon, Washington and California. Graduating from Thomas Jefferson Law School in San Diego, he went directly into private practice in Oregon before expanding into Washington and California. As an elite high school and college basketball player, he has extensive experience with serious injuries and pain. Through this experience, empathy for individuals struggling with pain and career disruption became a building block for E.L. Law Firm, where we puts our clients' current and future needs first. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/de87c2ee-701a-445c-ac58-6984edda5d92/ivy.jpg Building Your Legacy Event - IVY HEUTON | PUBLIC AFFAIRS SPECIALIST | SOCIAL SECURITY ADMINISTRATION Ivy is a seasoned Public Affairs Specialist with over 14 years of experience at the Social Security Administration. Ivy's extensive knowledge of the Social Security system, coupled with her unwavering commitment to public service, makes her an invaluable asset to the agency. Her passion for community outreach and transparent communication has solidified her reputation as a trusted resource. https://images.squarespace-cdn.com/content/v1/60beb1f3126b446330643272/a9c5d8a5-2b30-4643-a0ee-9389d30379f6/amber-03.jpg Building Your Legacy Event - AMBER JONES, CPA | PARTNER, DIRECTOR & LEAD ADVISOR | HUMAN INVESTING Amber Jones has been with the firm since 2016. The first part of her career was spent as Human Investing’s CFO. After graduate school, Amber transitioned to lead a new team focused on creating accessible financial planning and investment management for all. She oversees the partnership with Rivermark Community Credit Union as a lead advisor and relationship manager.