At A5 Financial, we stand watch over your financial plan so you can embrace life with confidence. You've worked hard for your money, and it's time to have it work for you. Our collaborative, practical approach helps transform challenges you may face — like stabilizing retirement income, protecting assets, and planning for life's uncertainties — into a clear, actionable strategy that fits your unique vision of success.
Discover Our ApproachWe partner with individuals and couples in their 50s, 60s, and 70s, retirees seeking a steady distribution plan, proactive investors saving outside of their retirement accounts, and professionals determined to balance enjoying today with protecting tomorrow.
Schedule A Strategy ReviewRetirement is close enough to feel real, and the decisions you make in the next few years carry significant weight. We work with people in their 50s and early 60s who want a clear timeline, a realistic income plan, and confidence that the transition from working to retired won't leave them scrambling.
Learn more →Saving was the first chapter. Making it last without running short or missing opportunities is the harder one. We work with retirees who want a disciplined income strategy, tax-efficient withdrawals, and a plan that holds up through market volatility and longer-than-expected lifespans.
Learn more →Amazon RSUs, Microsoft ESPP, Google stock options, and startup equity. These are genuinely complex, and most financial advisors don't have real experience with them. We work with engineers, managers, and senior contributors across the Seattle tech sector.
Learn more →A significant portion of our clients are women, some navigating finances independently for the first time after a divorce or the loss of a spouse, others who have always managed the household finances and want a more deliberate long-term strategy.
Learn more →You don't need to fit a profile or clear a wealth threshold to belong here. A5 Financial works with people who are serious about their financial future: pre-retirees building a transition plan, current retirees managing income that has to last, tech professionals navigating equity compensation, and women taking charge of their financial lives.
Knowing you want to retire isn't a plan — knowing when you can, how much you'll have, and where every dollar will come from is. We build a layered income strategy using principal-protected sources alongside a growth portfolio.
Learn more →Your portfolio should reflect your actual life — your timeline, your income needs, your tax situation, and how much uncertainty you can genuinely tolerate. We manage risk-adjusted allocations built around your complete financial picture.
Learn more →The difference between a good retirement and a great one is often how efficiently you distribute it. We map out a tax-efficient withdrawal strategy, use Roth conversion windows, and other techniques to help you keep more of what you've saved.
Learn more →RSUs, ESPPs, stock options, and concentrated positions require a different kind of planning than a standard 401(k). We build strategies that account for vesting schedules, AMT exposure, and concentration risk.
Learn more →You made it: you spent years wisely saving, investing, and building a life you love. But now retirement is in sight, and uncertainty may set in. Will your money really stretch as far as it needs to? Can you protect what you've built from unpredictable markets or unexpected life events? You deserve clarity and reassurance.
A thoughtfully designed financial plan isn't just a roadmap—it's the key to unlocking a future filled with confidence, opportunity, and fulfillment. When every detail is meticulously addressed, you are able to gain clarity and control, helping empower you to make decisions that open doors and reduce financial stress. Our team leverages their extensive experience to transform your ideas into actionable strategies, helping your vision become a reality you can depend on.
Our strategic partnerships with attorneys, CPAs, and industry professionals bring cutting-edge insights and rigorous analysis directly to you, helping to enhance every aspect of your financial plan.
The most reliable approach is to separate your near-term income needs from your long-term growth portfolio. By holding several years of living expenses in guaranteed instruments — CDs, quality bonds, or annuities — your day-to-day income is not dependent on market conditions. A5 builds this structure into every retirement income plan we create.
At A5, you work directly with John Carruthers, CFP®, and Neil Fenning, CFP® — the same two advisors, consistently, throughout your relationship with us. We operate as fee-based fiduciaries, which means we do not earn commissions on the products we recommend.
Yes — this is a significant part of what we do. We work with employees at Amazon, Microsoft, Google, and Seattle-area startups to build gradual diversification strategies that reduce single-stock concentration while minimizing unnecessary tax events.
We get it, new questions come up all the time. So, send us a message whenever it works best for you. We’ll get back to you and help chart your course toward a fulfilling future.
