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True North Retirement Advisors

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Clackamas, OR
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

09/02/2026

I’ve been maxing out my 401(k) for over a decade. But it didn’t start that way…

On this episode of the Retirement Quick Tips Podcast, I’m talking about how much I contribute to my 401(k) — and why.

Whether you're just getting started or you're already saving a decent amount, today’s episode will help you:

➕Understand what “maxing out” really means

❌Avoid common mistakes with contribution limits

⬆️Learn how even a 1% increase can make a big difference

🎧 Check out the episode here: https://retirementtip.libsyn.com/why-i-max-out-my-roth-401k-as-a-financial-advisor

09/01/2026

How often do I check my 401(k)?

Honestly… not often enough to remember the balance 🤷‍♀️

I’m sharing a behind-the-scenes look at how I manage my own 401(k) — including:

🔐 Why I sometimes don’t even remember my account balance
📉 Why logging in too often can do more harm than good
📅 How often I do recommend checking your 401(k)
🔁 Why rebalancing matters (and how I automate it)
📝 The critical housekeeping items to look for when you do log in

As a financial advisor, it might surprise you to hear how little I check my own accounts. But there's a method to the (seeming) madness — and I explain it all in this episode.

🎧 Listen now: https://retirementtip.libsyn.com/how-often-i-look-at-my-401k-rebalance-as-a-financial-advisor

You don’t have to obsess over your 401(k). But you do need a system.

08/31/2026

How does a financial advisor manage their own 401(k)?

I’m pulling back the curtain and sharing how I manage my own 401(k) — yes, the same strategies I recommend to clients, I use myself.

Helpful Topics I'll Cover:

✔️How often I actually check my 401(k)

✔️Roth vs. Traditional contributions – and what I choose personally

✔️What I’m currently invested in & why

✔️Why I avoid target date funds (even though I recommend them for others)

✔️When to rebalance, and how I handle it

✔️Common 401(k) mistakes (and how to avoid them)

I'm also sharing why checking your beneficiaries and avoiding 401(k) loans is non-negotiable.

Whether you're years away from retirement or just getting serious about saving, this episode will give you practical tips from someone who's not just talking the talk.

🔗 Listen now: https://retirementtip.libsyn.com/im-a-financial-advisorheres-exactly-how-i-manage-my-401k

Let’s make your retirement less stressful, and way more confident.

08/26/2026

The cost of cars, both new and used have nearly broken records in the last few years 🚗.

Not only are new cars expensive, but used cars continue to hold a high cost as well.

There are situations when buying a new car may actually be the smarter decision, however, in a more typical car market, I would actually consider it a waste of your money!

New cars decrease in value significantly the moment you drive them off the lot 🚘. They may have perks that are appealing initially, but you should consider why you are going for new vs. used and make sure it's the best decision for you financially.

🎧Search Retirement Quick Tips with Ashley wherever you listen to podcasts to hear more helpful tips to get you to and through retirement!

08/25/2026

Over the years. I've noticed common things people waste their hard-earned money on.

I've never been a handbag person myself 👜, but this is one of the most common things I consider to be a dumb way people waste their money.

If you are someone who truly enjoys the bags and has the means to purchase them comfortably, it makes sense to make these types of purchases! 💵

BUT, it falls under this category when people start purchasing these items simply for appearance to others, as a status symbol. They want to appear as though they have a lot of money, whether it's true or not.

Consider limiting yourself to fewer purchases like this, or even none. Take the time to look inward and ask yourself why you are buying it.

Tune in for more helpful retirement tips: https://linktr.ee/retirementquicktipswithashley

08/24/2026

I see examples of people wasting their money all the time as an advisor. One that REALLY bothers me: Buy Now, Pay Later programs!

These have become increasingly popular in the previous two or three years. Basically, a website will ask you to pay a small portion of what you owe for your purchase, with the idea that you'll pay the rest later.

This isn't ALWAYS a bad idea. Are you buying a couch and won't receive it for a few months? It's not uncommon to only pay part of it now, and the rest when the couch arrives 🛋 (interest free of course).

Where we start to see a problem, is people who have multiple buy now pay later "loans" out there at once. Or having to use these programs just to buy basic necessities like groceries. 🍅🍇🥓

It's easy to lose track and therefore miss payments. This can result in high fees, which you don't want to sped your hard earned 💰 on.

Listen to more helpful tips here: https://linktr.ee/retirementquicktipswithashley

08/20/2026

The 7 Money Personalities

The Worrier 😟

While it might seem like a blessing to fear spending money, this level of worry can negatively impact a persons returns if they're, say, too scared to invest! 📉

Financial advisors can be especially helpful for worriers. They are able to give them peace of mind rooted in experience with the exact thing they are worried about.

🎧Check out other tips to get you to and through retirement by searching Retirement Quick Tips with Ashley wherever you listen to podcasts!

08/18/2026

This week on the podcast, we are talking about the 7 money personalities shared by the author of "Happy Money", Ken Honda.

The Gambler 🎰🎲

Someone who is a little too comfortable with risk -- willing to throw caution to the wind in hopes for a big win.

🧨News flash... this usually doesn't work out in their favor.

Look for Retirement Quick Tips with Ashley for more tips to get you to and through retirement! 🖱️

08/17/2026

Have you ever heard of the 7 Money Personalities?

According to Ken Honda, author of "Happy Money", there are 7 total money personalities, 3 being compulsive.

✔️Compulsive Saver
✔️Compulsive Spender
✔️Compulsive Money Maker

🎙️Listen to the podcast for more tips to get you to and through retirement! https://linktr.ee/retirementquicktipswithashley

08/12/2026

🎓💰 Want to pay for college without taking out student loans — and without compromising your retirement?

Consider the 529 plan.

✔️ Why starting early is the most powerful tool (hint: before age 5!)
✔️ How a 529 works — and why it’s like a Roth IRA for college
✔️ Common myths (like how 529s affect financial aid)
✔️ What to do if you don’t like your state’s 529 options
✔️ How leftover funds can kickstart your kid’s retirement 🤯

Even if you’re late to the game, there are plenty of strategies to help you bridge the gap — and avoid crushing student loan debt.

🎧 Listen now & take control of college planning before it takes control of you.

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

Website

http://www.truenorthretirementadvisors.com/

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