Business Details
Your Trusted Financial Planning Partner in Gig Harbor
Phase 2 Wealth Advisors is dedicated to helping clients achieve financial confidence through personalized wealth management solutions. With a focus on coordinated financial planning, we provide clarity and strategic guidance across investment advisory, retirement planning, tax optimization, and legacy development. Our team of Certified Financial Planners and investment professionals brings decades of combined experience to create tailored strategies that adapt to evolving client needs.We operate through a structured four-phase processPrepare, Learn, Align, Navigateto ensure long-term financial success. Our commitment to disciplined diversification, rigorous rebalancing, and intelligent investment management forms the foundation of our client-centric approach. By prioritizing transparency and continuous monitoring, we aim to deliver peace of mind while helping clients stay on track toward their financial goals.
Services
Financial Planning
Investment Advising
Strategic Wealth Management
Retirement Planning
Tax Planning
Legacy Planning
Risk Management Planning
Portfolio Analysis
Income Planning
Market Insights
Highlights and features
- We offer 22 years of experience in personalized financial planning.
- Our PLAN Success Cycle ensures structured, goal-oriented wealth management.
- We provide no-strings-attached Income Plans and Portfolio Analyses.
- Our team includes CFP, CFA, and AIF credentialed professionals.
- We integrate active rebalancing to minimize trade fees and taxes.
Associations and certifications
- SEC Registered Investment Adviser
Services
Financial Planning
Our financial planning service creates comprehensive strategies to help clients achieve long-term financial goals. We analyze current financial status, develop customized roadmaps, and implement solutions for retirement, tax optimization, and legacy planning. The process emphasizes adaptability to life changes while maintaining focus on wealth preservation and growth.
Investment Advising
Investment advisory services focus on constructing and maintaining diversified portfolios aligned with client objectives. We combine active rebalancing techniques with rigorous due diligence on investment products, including individual securities and funds. Our approach seeks to optimize returns while managing risk through continuous market analysis and strategy adjustments.
Retirement Planning
Retirement planning develops sustainable income solutions for post-career life. We assess current savings, project future needs, and implement tax-efficient withdrawal strategies. The service includes Social Security optimization, pension analysis, and creating reliable income streams while addressing longevity risks and healthcare costs.
Portfolio Analysis
Portfolio analysis evaluates existing investment holdings against current market conditions and client goals. We examine asset allocation, risk exposure, and performance metrics to identify improvement opportunities. This service provides actionable recommendations for rebalancing or restructuring portfolios to better align with financial objectives.
Risk Management Planning
Risk management planning protects financial security through appropriate insurance solutions. We assess life, health, and long-term care insurance needs to mitigate potential financial disruptions. The service focuses on balancing coverage adequacy with cost-effectiveness while integrating insurance strategies into overall wealth plans.
People
Bob Harkson
CEO and Principal Advisor
Certified Financial Planner with 22 years of experience in retirement planning. Licensed in investment advisory services and Washington State life insurance. Focuses on comprehensive financial plans emphasizing tax and legacy strategies.
Steve Osterink, Jr.
Chief Investment Officer
CFA and CFP credentialed professional leading investment strategy development. Brings expertise in asset management and innovation in financial solutions to drive portfolio performance.
Jon Lohr
Research Director
CFA and CFP credentialed expert overseeing investment research and portfolio management. Specializes in asset allocation and investment strategy implementation.
Nick Heinrich
Financial Planning Director
CFA and CFP credentialed professional leading financial planning consultants. Focuses on improving client outcomes through advanced portfolio analysis tools.
Brian Kragt
Operations Director
Manages trade execution and portfolio accounting systems. Ensures efficient implementation of investment decisions and accurate performance reporting.
Questions
What services does Phase 2 Wealth Advisors offer?
We provide financial planning, investment advisory services, retirement planning, tax optimization, legacy planning, and risk management strategies tailored to individual client needs.
How does your financial planning process work?
Our PLAN Success Cycle includes four phases: Prepare (build trust and gather data), Learn (analyze current status), Align (design strategies), and Navigate (ongoing monitoring).
Are your financial advisors credentialed?
Yes, our team includes Certified Financial Planners (CFP), Chartered Financial Analysts (CFA), and Accredited Investment Fiduciaries (AIF).
Do you offer portfolio analysis services?
Yes, we provide complimentary portfolio analysis reports to evaluate alignment with client goals and market conditions.
What investment strategies do you use?
We employ disciplined diversification, active rebalancing, and intelligent investment selection across stocks, bonds, ETFs, and mutual funds.
How are your fees structured?
Our fees are based on assets under management, with transparent pricing disclosed during the initial consultation phase.
