AGATE Financial Partners

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AGATE Financial Partners At AGATE Financial Partners, our financial experts provide personalized services to help you achieve your financial goals and protect your assets.

We use a holistic approach, making every aspect of your finances work in harmony. At AGATE Financial Partners, we believe in putting our clients' needs first. Our team of financial experts provides personalized services to help you achieve your financial goals and protect your assets. We specialize in retirement planning, investment management, tax planning, and wealth management. Designed to help you secure your financial future, our retirement services are comprehensive and tailored to your specific needs. Our experienced advisors also offer estate planning, long-term care, social security planning, Medicare planning, and business succession services. We take into account your goals, risk tolerance, and investment preferences to build a holistic approach to ensure every aspect of your finances works in harmony. Securities offered through Cetera Wealth Services, LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. CA Insurance License

Building your savings does not always require major lifestyle changes. Often, a few consistent habits can make a meaning...
17/10/2026

Building your savings does not always require major lifestyle changes. Often, a few consistent habits can make a meaningful difference over time.

Consider these practical ways to strengthen your financial future:
⏩ Automate your savings by directing a portion of each paycheck into a dedicated savings or investment account.
⏩ Set aside funds in your budget for predictable expenses, including taxes, annual bills, or business-related costs, so you're prepared when they come due.
⏩ Identify opportunities to reduce unnecessary purchases that may be slowing progress toward your goals.
⏩ Review your financial picture regularly.
⏩ Create specific savings goals for both the short and long term.

Everyone's financial journey is different, but developing strong saving habits is a great place to start. If you'd like guidance on creating a savings strategy that aligns with your goals, reach out to me.

The Federal Reserve (Fed) concluded its September 2026 meeting by increasing interest rates a quarter point to 3.75%–4.0...
16/10/2026

The Federal Reserve (Fed) concluded its September 2026 meeting by increasing interest rates a quarter point to 3.75%–4.00%. But what does this mean for everyday Americans’ finances?

While markets may experience some volatility and borrowing rates may increase, savers could continue to benefit from higher interest rates.

Know that we are closely monitoring key economic data and policy shifts. And, as always, if you would like to talk through your current strategy, schedule a time for us to talk. We can talk you through your options.

What’s one financial decision you’ve made that helped you feel more prepared for your future?For many of the people we w...
16/10/2026

What’s one financial decision you’ve made that helped you feel more prepared for your future?

For many of the people we work with, it’s not a single investment or product; it’s taking the time to create an overall strategy.

October is Financial Planning Month, which is all about how the pieces of your financial picture fit together to help pursue your financial goals.

It's about putting together a comprehensive approach that manages your investments and retirement, provides for your loved ones, and stays flexible enough to adjust as things change.

Here are a few tips to help keep the focus on steady, thoughtful planning.

If you’ve been meaning to update your strategy or to create one for the first time, it’s never too late to start.


A diversified portfolio does not assure a profit or protect against loss in a declining market.

The Federal Reserve (Fed) concluded its September policy meeting, increasing rates for the first time since 2023. While ...
16/10/2026

The Federal Reserve (Fed) concluded its September policy meeting, increasing rates for the first time since 2023. While inflation continues to be a predominant focus, this meeting marked a few key changes from previous meetings.

We are keeping a close eye on economic data and policy developments as they unfold. As always, if you would like to talk through your portfolio or investment strategy, please reach out. We can review your policy and walk you through your options together.

A mother in California picked up the phone and heard her daughter's voice, panicked, saying she'd been kidnapped and nee...
14/10/2026

A mother in California picked up the phone and heard her daughter's voice, panicked, saying she'd been kidnapped and needed money immediately.

What she'd heard wasn't her daughter. It was an AI-generated clone of her voice.

In a 2025 study, scientists found that when people heard a cloned voice, they correctly identified the voice as AI-generated only about 60 percent of the time.

The FBI attributed more than $890 million in 2025 losses to AI-enabled fraud, and voice cloning is one of the main drivers behind that number.

It is not only older adults being targeted. Younger family members get these calls too, often framed as a sibling or friend in trouble. Older adults just tend to lose the most per incident.

Here are two ways to help protect you and your family:

⏩ Agree on a private code word or question with the people a scammer is most likely to impersonate (kids, parents, spouse)

⏩ If a call like this comes in and you have not set up a code word yet, hang up, then call the real person back

When in doubt, slow down and verify.

Long-term care can impact your retirement and financial plan. While everyone's situation is different, many people find ...
12/10/2026

Long-term care can impact your retirement and financial plan. While everyone's situation is different, many people find themselves needing long-term care at some point as they age.

If you don't have a plan in place, you may find you and your family relying on personal savings or retirement assets to cover the cost.

Fortunately, there are several options you have to build a financial plan that protects you and your finances and assets.

If you'd like to discuss your long-term care planning options, please feel free to reach out. I'm always happy to help you understand your options and build a plan.

Cybercriminals pay extra attention to accounts tied to money. A 2026 FBI study found that over 12,400 of those victims l...
08/10/2026

Cybercriminals pay extra attention to accounts tied to money. A 2026 FBI study found that over 12,400 of those victims lost more than $100,000 each, and the average reported loss across elder fraud victims that year was $38,500.

Here are a few habits to fine-tune your digital security:

⏩ Turn on multi-factor authentication everywhere it's offered.

⏩ Give every account its own password. Reusing one password means one leaked login unlocks everything else.

⏩ Pause before clicking. Phishing remains the most commonly reported cybercrime in the country, more than any other category the FBI tracks.

⏩ Check statements regularly, and turn on account alerts.

⏩ Consider freezing your credit if you're not actively applying for new credit or loans. This takes 15 minutes, one time.

You don't need to become a security expert to protect yourself. Pick one or two that you've been putting off, and do it this week.

I had so much fun participating in the Nye Beach Cleanup with Newport, Oregon Pride, and the Surfrider Foundation a few ...
03/10/2026

I had so much fun participating in the Nye Beach Cleanup with Newport, Oregon Pride, and the Surfrider Foundation a few weeks ago!

The 2027-2028 FAFSA is open as of October 1, 2026. If you are a student or support a student, it's a good time to get st...
01/10/2026

The 2027-2028 FAFSA is open as of October 1, 2026. If you are a student or support a student, it's a good time to get started on the financial aid process early.

Here are a few ways you can streamline the process:
⏩ Create or verify your StudentAid.gov account.
⏩ Gather essential financial documentation, like 2025 tax returns, W-2s, and income records.
⏩ Determine which parent(s) or contributor(s) will be required to provide information, if necessary.
⏩ Review college, state, and scholarship deadlines, as many institutions award aid on a first-come, first-served basis.

While the federal FAFSA deadline is June 30, 2028, many colleges and states set earlier priority deadlines for aid consideration, so submitting your application early can improve access to institutional, state, and need-based aid.

If you have questions about college funding strategies or how education expenses align with your overall financial plan, please reach out to me. I'm here to assist you.

How well do you know your life insurance policy?If you haven’t looked at your policy in a while, now is the time to do s...
29/09/2026

How well do you know your life insurance policy?

If you haven’t looked at your policy in a while, now is the time to do so. Most financial planners suggest checking your policy once a year and always after experiencing a major life or financial change.

If you have questions about life insurance or want to talk through your coverage options, do not hesitate to reach out.

Address

937 SW 11th Street

97365

Opening Hours

Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00

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