Jim Reinke

I was a finance major in college, but my career initially took me into education. I spent seven years teaching high school history before transitioning into financial advising.

Teaching was something I enjoyed, and I found that many of the same skills carried over into working with financial planning clients. I wanted to help people better understand their financial options and make decisions based on their individual circumstances and goals.

That educational approach has stayed with me throughout my career. After 28 years as a financial advisor, I still enjoy helping clients understand how their financial plans work and why certain strategies may make sense for their situation.

I primarily work with retired clients, including many who spent their careers in the public sector.

Through my work with public-sector retirement plans in the Pacific Northwest, I've developed a strong understanding of the financial decisions facing people who have pension benefits and other retirement resources.

I enjoy helping clients understand how those different sources of income fit together and how they can develop a retirement plan that reflects their goals, lifestyle, and financial circumstances.

My primary areas of focus are retirement planning, retirement income planning, comprehensive financial planning, and tax-aware retirement strategies.

I have been a CERTIFIED FINANCIAL PLANNER™ professional since 2005 and have spent a significant portion of my career working with retirees and public-sector employees.

I have particular experience with Washington State pension systems and helping clients understand how their pension benefits interact with other retirement income sources.

Much of my work involves helping clients create retirement income streams while considering the tax implications of their decisions.

That can include evaluating pension benefits, investment distributions, and other retirement income sources to determine how they may work together over time.

I also pay close attention to the relationship between taxable income and Medicare premiums. Certain financial decisions can affect Medicare premium surcharges, so I help clients consider those potential consequences as part of their broader retirement income strategy.

My goal is to develop an income plan that reflects each client's financial needs, tax considerations, and retirement priorities.

I place a lot of value on meeting with clients face to face and maintaining a personal relationship over time.

I enjoy sitting down with clients a couple of times a year, learning what's happening in their lives, and understanding how their goals or circumstances may have changed.

My background as a teacher also influences how I communicate. I want clients to understand their financial options and feel comfortable asking questions. Those conversations are an important part of developing a plan that reflects their individual needs.

One of my favorite parts of this work is the relationships I've built over the years. Many of my clients have become lifelong friends.

I enjoy learning about their families, careers, interests, and the things they want to accomplish in retirement. Every client has a different story, and understanding those differences helps me provide advice that reflects their personal circumstances.

It's rewarding to maintain those relationships over time and continue helping clients as their lives and financial needs evolve.

What I appreciate about Savvy is the ability to maintain the independence and personal approach I've developed throughout my career while having the support of a national registered investment advisor.

I value being able to continue working directly with my clients, maintaining the relationships we've built, and providing guidance in a way that feels familiar to them.

Savvy provides the resources and support that allow me to keep my attention focused on serving clients and helping them navigate their financial decisions.