Kimball Creek Partners

09/01/2026

One question I hear often from clients is:
How can I make sure the wealth I’ve built benefits my posterity without unintentionally creating problems for them?

In this video, I share 4 principles for navigating multi-generational wealth—from clarifying your core intentions to structuring assets so they protect rather than overwhelm the next generation.

I also share a real-world example of how thoughtful planning can potentially save hundreds of thousands of dollars in Washington State estate taxes.

Ultimately, the goal is to make the wealth you’ve built a lasting benefit—not a burden—for the generations that follow.

Watch the full video to learn more.

07/23/2026

In my latest video, I walk through the complete financial planning process for a couple in their 50s with $2 million saved.

Rather than focusing on a simple “Can they retire?” answer, I show how the different pieces of a financial plan work together—including spending, retirement income, investments, taxes, Social Security, and long-term risks.

The purpose of the process is to help clarify what their options look like, identify important tradeoffs, and understand which decisions may have the greatest impact on their future.

Having a significant amount saved is only one part of the picture. A thoughtful plan helps turn those savings into a clear strategy.

Watch the full video here:

If you have $1 million to $5 million saved for retirement, you prob...

06/04/2026

Last week, Jeff Bezos completed a planned sale of 25 million Amazon shares.

My take away isn’t the size of the sale, it is the process and how it can help you invest like a CEO.

Like many founders and executives, Bezos sells according to a prearranged Rule 10b5-1 plan. These plans are designed to address insider trading concerns, but they also reveal something interesting about how some sophisticated investors think about wealth management:

They don't operate under a "never sell" philosophy
(Something that is occasionally promoted by various corners of the internet)

Instead, many of the world's wealthiest investors systematically diversify over time.

That raises an interesting question:

If billionaires with concentrated stock positions don't rely on permanent deferral, should everyone else?

Answers will vary to each person, but let me offer an opinion to Washington residents.

Washington currently imposes a 7% tax on certain long-term capital gains above the annual exemption amount. ~$278,000 in 2026. Lawmakers have also discussed additional tiers for larger gains.

Rather than delay, delay, delay, until a major life event or purchase forces a sale, we are helping many Washington residents thoughtfully recognize gains each year, below the threshold.

This can potentially reduce, or in some cases avoid, future Washington capital gains tax exposure while preserving diversification and portfolio balance.

If you feel your investments could benefit from a strategic plan that incorporates tax, preservation, growth, and estate planning considerations… it is quite literally one of my favorite topics to discuss.

Shoot me a message and we will get planning!

05/22/2026

Inherited money? Don’t make these 3 mistakes!

Book an appointment at: www.kimballcreekpartners.com

This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

05/14/2026

I have mixed feelings towards Target Date funds. 7 out of 10 Americans have them in their 401ks, so I see them a lot, and I also see mistakes being made for who is holding them and when.

These funds (the default investment in most 401k plans) work pretty darn well early in someone’s career. However, their holdings are based on an algorithm that causes massive shifts the longer the fund is around.

Those shifts involve selling stocks and buying bonds.

Does the fund buy bonds because bonds are a good investment at that time?
That question isn't considered.

The change happens because the "Target Date" of the fund is getting nearer. And the nearer it gets, the more conservate the fund becomes in its investing style.

People change jobs, get further in their career, near retirement, and have shifting life goals. But 401k holdings are rarely updated or reviewed.

Sometimes, I see people who think they are being disciplined. They diligently put money away each paycheck into their 401k, thinking they will “dollar cost average” and “buy and hold” even when markets are volatile.

Unfortunately, a poorly timed Target Date Fund might be selling at the exact moment you hope to be buying.

It takes 15 minutes to check your 401k holdings. Do it today.

Does that feel like you are looking at hieroglyphics? Call me and we will review it together.

04/29/2026

https://kimballcreekpartners.com/washington-tax-planning/

This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

04/09/2026

Thinking about whether Washington still makes sense for your family financially? You're not alone — and the answer starts with knowing your actual numbers.

One of the most common questions we get from Washington families right now is some version of: "Should we be thinking about moving?" It's a big question. And for most people, it doesn't have an obvious answer.

What we've found is that the families who navigate this well aren't the ones who react quickly — they're the ones who take time to understand their complete state tax picture before making any decisions.

That's exactly what good financial planning looks like: getting clear on your numbers so that whatever you decide, you're deciding with confidence — not guesswork.

We built a free Washington State Tax Estimator that lays out your household's total state tax burden — income, sales, and estate tax — and compares it side-by-side against the states Washington families most often consider: Nevada, Texas, Florida, Idaho, and Arizona.

It takes about 60 seconds. No commitment, no pressure — just clarity.

We're financial planners, not tax attorneys. We don't give tax advice — but helping people see the full financial picture before big decisions is exactly what we do. If the numbers raise questions worth talking through, we're glad to help.

https://kimballcreekpartners.com/washington-tax-planning/

****Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment, tax, or legal advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.****

04/06/2026

Washington just passed its first-ever income tax — and the conversation has gotten loud fast.

My job isn't to tell you whether SB 6346 is good policy or bad policy. My job is to help you understand what it actually means for your household.
Here's something worth remembering: every state taxes its residents. The question has never been if — it's always been how. Income tax, property tax, sales tax, capital gains tax, estate tax. The mix varies. The math matters.

So I built a tool.

The Washington State Tax Estimator lets you run your own numbers — no spin, no agenda. Just a clear side-by-side look at what your tax picture looks like here versus other states, so you can make decisions based on data rather than headlines.

If you're a high-income earner, a business owner, or someone sitting on significant assets, this is worth a few minutes of your time.

https://kimballcreekpartners.com/washington-tax-planning/

I'd genuinely love your feedback — and if this is useful, please share it with someone who needs it.

04/01/2026

Washington just passed its first income tax in state history. If you haven't run your numbers yet, now's the time.

Over the past year we've heard it from neighbors, business owners, and longtime Washington residents: "We're thinking about leaving." It's the first time many of them have ever seriously asked the question — and that's completely understandable.
But most people are making those decisions based on headlines, not numbers. And headlines don't pay your bills — your actual tax burden does.

We built a free Washington State Tax Estimator that shows you exactly what the changing tax environment means for a household like yours — and how Washington compares side-by-side to the states people are actually moving to: Nevada, Texas, Florida, Idaho, and Arizona.

Knowing your number doesn't make the decision for you. But it makes the decision a whole lot clearer. Run your free estimate below — it takes about 60 seconds.

We're financial planners, not tax attorneys. We don't give tax advice — but we do help people see the full financial picture so they can make confident decisions. If the numbers raise questions worth exploring, we're happy to talk.

https://kimballcreekpartners.com/washington-tax-planning/

04/01/2026

Just got back from a weekend in the Olympic Mountains. Reminded me all over again why Washington is such a special place to call home.

And yet — a lot of people I talk to are asking a question they never used to ask: *Is it still the right place financially?*

The new state income tax legislation has people paying attention. The headlines are loud and often more emotional than helpful.

So I built something different: a simple tax calculator that shows you YOUR numbers — not the average, not the worst case, not the best case. Just your situation.

If you're curious (or someone you know is), the link is in the comments. Knowledge beats anxiety every time. 🌲

https://kimballcreekpartners.com/washington-tax-planning/