True North Retirement Advisors

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True North Retirement Advisors Retirement planning can be complicated. We make it simpler. Let’s get started on reaching your True North!

Ashely Micciche is the host of the Retirement Quick Tips podcast where she gives daily retirement advice. Each episode is just a few minutes long and jam-packed with actionable advice to help you live a financially secure and fulfilled retirement!

🎧 Subscribe & Listen on Itunes: https://apple.co/35HxhJV

I'm excited to share an update about the next chapter of my podcast!Going forward, the podcast will be called **Retire W...
10/26/2026

I'm excited to share an update about the next chapter of my podcast!

Going forward, the podcast will be called **Retire With Ashley**, and I'm moving from daily short episodes to one new episode every Monday, with a target length of 10–20 minutes.

After nearly eight years of creating daily retirement content, I've realized there are many topics that deserve more time and nuance than a quick daily tip allows. This new format will give me more opportunity to explore complex retirement questions, explain the details, and share practical insights drawn from nearly two decades of helping clients plan for retirement.

The mission isn't changing: I want to help people make smart financial decisions and build a fulfilling, financially secure retirement. We'll continue covering retirement planning, investing, Social Security, taxes, health care costs, and the financial decisions that shape life after work.

I'm also bringing the podcast and my YouTube channel together under the same name, creating a more consistent experience whether you prefer listening or watching.

One of the hardest parts of making this change has been knowing that many listeners have made the daily podcast part of their routines. I'm incredibly grateful to everyone who has listened, shared an episode, or spent a few minutes of their day with me. Your support has meant so much.

I'm looking forward to this next chapter and to sharing more in-depth, practical retirement guidance with you every Monday.

🎧 Find the latest episode of *Retire With Ashley* through the podcast link in my profile, or watch on YouTube.

Thank you for being part of the journey!

With all the headlines about AI, interest rates, and the stock market, one question I hear is: What should I actually be...
10/22/2026

With all the headlines about AI, interest rates, and the stock market, one question I hear is: What should I actually be doing with my investments?

Here are three things I'm paying close attention to with my clients right now:

📊 Diversification: Making sure we're not relying too heavily on a small handful of stocks or sectors.

📉 Bond risk: Reviewing bond maturities and considering how to manage interest-rate risk as yields change.

🎯 Discipline: Avoiding the temptation to chase whatever has performed best recently and keeping long-term goals in focus.

My goal isn't simply to capture as much upside as possible when markets are rising. It's also to make sure we're thinking about what happens when conditions change.

In this week's episode, I share more about the current market environment, the risks I'm watching, and how I'm approaching portfolios as we head into the final quarter of the year.

🎧 Listen to the full episode wherever you get your podcasts!

I'm excited about the potential of artificial intelligence. I think it could transform our economy in ways we're only be...
10/20/2026

I'm excited about the potential of artificial intelligence. I think it could transform our economy in ways we're only beginning to understand.

But there's something I want investors to keep in mind: a transformative technology doesn't automatically make every investment in that technology a winner.

Right now, a small group of AI-related companies is responsible for a huge portion of the stock market's gains. It's tempting to chase those returns because nobody wants to miss out.

But if too much of your portfolio is tied to just a handful of companies, you could be taking on more risk than you realize.

In this week's episode, I explain why I'm paying close attention to AI-driven market concentration and why diversification still matters, even when a particular sector is booming.

🎧 Listen to the full episode wherever you get your podcasts!

The stock market is up nearly 13% for the year, so everything must be going great, right?Not so fast.When I look beneath...
10/19/2026

The stock market is up nearly 13% for the year, so everything must be going great, right?

Not so fast.

When I look beneath the headlines, I see a more complicated picture. A handful of large technology and AI companies are driving much of the market's gains, while many other stocks are struggling. At the same time, rising bond yields and persistent inflation are creating challenges for investors.

So what does all of this mean if you're approaching retirement or already living in retirement?

In this week's episode, I'm breaking down what happened in the markets during the third quarter, what I'm watching going forward, and what I'm doing to help my clients navigate this environment.

🎧 Listen to the full episode wherever you get your podcasts!

You can't control the market you retire into.But you can build a little moat around your retirement plan.That might mean...
10/17/2026

You can't control the market you retire into.

But you can build a little moat around your retirement plan.

That might mean:

💰 Keeping enough cash and liquid savings to cover near-term expenses
📉 Making sure your investment portfolio isn't taking more risk than you can handle
💼 Having the ability to earn some income if needed
✂️ Knowing which expenses you could reduce
🏡 Paying down debt so you have more flexibility

None of these things can prevent a bear market.

That's not the goal.

The goal is to make sure a bear market doesn't have to dictate every decision you make in the first few years of retirement.

I talk about how to build that flexibility into your retirement plan in this week's podcast episode.

🎧 Listen wherever you listen to podcasts or watch on YouTube.

Before you retire, there's a question I want you to ask yourself:What happens to my retirement plan if my portfolio is 3...
10/15/2026

Before you retire, there's a question I want you to ask yourself:

What happens to my retirement plan if my portfolio is 30% lower than expected when I retire?

Not because I'm predicting that will happen.

Because you need to know what your plan looks like if it does.

A retirement stress test can help you identify:

→ How much you could safely spend
→ Where you could cut back if necessary
→ Whether you'd need additional income
→ How much cash you should have available
→ Whether your investment mix is appropriate for your timeline

The goal isn't to predict the future.

It's to make sure you have options if the future doesn't go according to plan.

I walk through this and several other ways to prepare for a difficult market in this week's episode.

🎧 Listen to the full episode wherever you listen to podcasts.

What happens when you spend decades saving for retirement… and then the market falls apart right when you retire?Unfortu...
10/13/2026

What happens when you spend decades saving for retirement… and then the market falls apart right when you retire?

Unfortunately, timing can matter more than you might think.

A 30% market decline early in retirement can have a very different impact than that same decline 10 years into retirement—because you're likely withdrawing money from your portfolio at the same time you're experiencing those losses.

That's called sequence of returns risk, and it's one of the risks I think every person approaching retirement should understand.

The good news? You can't control what the market does.

But you can prepare for what you'll do if the market doesn't cooperate.

In this week's episode, I walk through how to stress-test your retirement plan and some of the ways you can build flexibility into your income, spending, and investments before a downturn happens.

🎧 Listen to this week's episode of the podcast wherever you listen to podcasts.

10/12/2026

What happens when you save for decades, finally retire… and then the market completely falls apart?

It’s a question worth asking before you retire—not after.

In this week’s episode, I'm explaining why the timing of a market downturn can matter so much in the first few years of retirement, and what you can do to prepare.

🎧 Listen to the full episode wherever you listen to podcasts.

Retirement can be overwhelming.But it should also be a time of excitement! 🎉Check out Retire With Ashley on YouTube for ...
10/03/2026

Retirement can be overwhelming.

But it should also be a time of excitement! 🎉

Check out Retire With Ashley on YouTube for helpful retirement tips.

Let's get you to the fun side of retirement 🏖️🌴🌞

Did you know you could apply the 80/20 rule when it comes to preventing cyber theft? 80% of outcomes are derived from 20...
10/01/2026

Did you know you could apply the 80/20 rule when it comes to preventing cyber theft? 80% of outcomes are derived from 20% of causes.

80/20 works in a lot of things - money, saving and investing, eating healthy, exercising, work…if you’re doing the right things 80% of the time, you’re going to come out okay in the end. ⚖️

It can be overwhelming to think of all the new, sophisticated ways hackers and fraudsters can take advantage of you, steal your data, and steal your money.

Check out Retirement Quick Tips for helpful tidbits to get you to and through retirement! https://linktr.ee/retirementquicktipswithashley

Address

10151 SE Sunnyside Road, Suite 400
Clackamas, OR
97015

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm
Friday 8am - 4pm

Telephone

+15033876869

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