Retirement planning in Tri-Cities, WA—including Kennewick, Pasco, and Richland—isn’t just about preparing for a date in the future; it’s about creating the life you want, with clarity and confidence. At HFG Trust, we help you navigate this chapter with a fiduciary-first approach and personalized strategies that put your goals first. Whether you’re planning decades ahead or refining the details, we bring guidance that’s as grounded as it is forward-thinking.
Client Spotlight: Diving Into Retirement Dreams in the Galapagos
After years of hard work and thoughtful planning, one of our retired clients checked off a meaningful bucket list goal: scuba diving in the waters of the Galápagos Islands, Ecuador. This photo is more than just a moment—it’s a celebration of what retirement can look like when you have the freedom to pursue your passions.
At HFG Trust, we’re proud to help our clients turn their dreams into reality—wherever in the world they may be.
What is Retirement Planning?
Retirement planning is the process of aligning your financial decisions today with the future life you envision, one that balances security, flexibility, and purpose. Retirement planning means calculating income needs, building investment strategies, and aligning tax planning and estate planning with your lifestyle goals. But more than that—it’s personal.
At HFG Trust, we ask questions that matter: What do you value? What does retirement look like for you? Then, we build a strategy that fits your life today and adjusts as your goals evolve. And because we operate as fiduciaries, you’ll get advice built solely around what’s best for you—no products, no pressure, no commissions.
What Makes HFG Trust Different
At HFG Trust, everything we do is designed to simplify your financial life. With a fiduciary-first philosophy and a full team of experts under one roof, we offer clarity, confidence, and continuity.
Fiduciary-First, Fee-Only Advice
Independent guidance that puts your goals first—always, with no commissions or conflicts.
Truly Comprehensive Services
One advisory relationship for planning, investing, tax, trust, lending, and more.
Local Roots, National Expertise
Proudly based in Kennewick, serving the Tri-Cities and clients across the country.
Decades of Trusted Experience
Over 40 years of helping individuals and families simplify life and plan for what’s next.
Credentialed, Collaborative Team
Advisors, trust officers, and planners who work together to deliver truly personalized strategies.
Long-Term, Relationship-Driven Approach
We’re not here for transactions—we’re here to guide you for life’s biggest financial decisions.
Trusted and Highly Rated
A Financial Process That Starts With You
At HFG Trust, we don’t believe in one-size-fits-all solutions. Our process begins with listening, understanding your goals, values, and life circumstances before offering any advice. From there, we develop a comprehensive strategy that aligns every piece of your financial picture: investments, tax planning, estate needs, and more.
As fiduciaries, we’re committed to transparency, not commissions. Every recommendation is tailored. Every decision is intentional. Every step is guided by what’s best for you.
Simplify Your Retirement Plan—Calculate Your Next Steps
We’re here to simplify life by turning your retirement goals into clear, achievable steps. Start with our retirement savings calculator to see where you stand today, then let’s map out where you’re going next. A good advisor should:
- Put your interests first, always.
- Provide clear guidance you can trust.
- Coordinate investments, taxes, and estate plans.
- Simplify complex financial decisions.
- Proactively adapt your strategy over time.
- Build relationships based on transparency, not transactions.
If your advisor isn’t checking these boxes, consider experiencing the difference with HFG Trust.
Local Roots. National Perspective.
Headquartered in Kennewick, WA, HFG Trust proudly serves the Tri-Cities—Pasco, Richland, and surrounding communities, along with clients across Oregon and California. Whether you’re a pre-retiree in Richland, a business owner planning succession in Pasco, or a high-net-worth family in Kennewick, our approach stays personal, practical, and built for the long term.
Kennewick, WA
Headquarters offering full-service wealth management and fiduciary guidance in the heart of the Tri-Cities.
Berkeley, CA
Holistic wealth and estate planning for clients across California and beyond.
Roseburg, OR
Personalized financial advice and fiduciary planning for individuals, families, and business owners.
Insights That Move You Forward
Explore timely articles, market commentary, and practical guidance from the HFG Trust team. From retirement strategies to business transitions and estate planning, our expert resources are designed to simplify financial decisions and empower long-term confidence.
SECURE Act 2.0 and Required Minimum Distributions
On December 29, 2022, the SECURE Act 2.0 was signed into law. The act updates the rules surrounding retirement savings accounts and will have effects on almost every stage of…
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Frequently Asked Questions
What does it mean that HFG Trust is a fiduciary?
Being a fiduciary means we’re legally and ethically obligated to act in your best interest—always. We don’t earn commissions, we don’t push products, and we don’t operate on incentives. Our only priority is helping you make confident, informed financial decisions.
Who do you help with retirement planning?
We work with individuals and families at all stages of retirement planning. That includes early-career professionals building their first retirement savings plan, pre-retirees navigating major life transitions, business owners planning succession, and high-net-worth individuals focused on multi-generational wealth. If you value long-term guidance and personalized strategy, we’re built for you.
How do I calculate how much I need to retire?
We help you answer that with real data, real conversations, and real-life context. Using tools like our retirement calculator and personalized income modeling, we factor in your goals, expenses, taxes, healthcare needs, and investment strategy to determine what “enough” looks like for your life, not just the spreadsheet.
What financial planning services do you offer beyond retirement planning?
While retirement planning is a core part of what we do, it’s just one piece of a much bigger picture. At HFG Trust, we offer fully integrated financial planning services that include investment management, tax strategy, trust and estate planning, charitable giving guidance, and 401(k) plan design for business owners. Everything works together under one advisory relationship, so your financial life is aligned, intentional, and built to grow with you.
What’s the best retirement plan for me?
That depends on your life stage, income, and long-term goals. Whether it’s a 401(k), IRA, Roth account, or custom blend of investment vehicles, our advisors help you choose the right retirement plan—and then build a strategy around it. Our approach is never one-size-fits-all because your future isn’t either.
What makes your retirement planning services different from other financial advisors?
We’re fiduciary-first and relationship-driven. Unlike many firms, we don’t earn commissions or sell financial products. Instead, we offer retirement planning that’s completely integrated with tax, estate, and investment strategies handled by credentialed professionals under one roof. It’s holistic, transparent, and built to serve you long-term.
Ready to Simplify Your Financial Life?
We’re here to listen, guide, and help you move forward—on your terms. Let’s build your financial future together.
