Are You Ready to Retire in the Next 5 to 10 Years?

I'm currently taking on new clients.


If you want help managing your investments and building a clear plan for retirement, I can help you move into that next chapter with confidence.

Most people reach out when they start asking questions like:


  • Can I retire with $500,000? What about $1,000,000?
  • Should I roll over an old 401(k)?
  • How do I turn my savings into retirement income?
  • What if the market drops right before I retire?
  • Who can help me manage this so I am not doing it alone?


If any of that sounds familiar, you're in the right place.


I help you make the big retirement decisions in the right order, then I take the day-to-day investing off your plate so you don't have to.


Ready to get started? Schedule a 15-Min Intro Call

Who I work with

I work with people in Longview and Kelso who are within 5 to 10 years of retirement.


Most people I meet want a clear plan and don't want to manage their investments on their own. If that sounds like you, I would love to help.

Investment Management

One of the biggest concerns people have as retirement gets closer is: what happens if the market drops right before I retire? Or right after?


It's a real risk. If you're pulling money out of your portfolio during a downturn, those losses can do more damage than the same drop would have done 10 years earlier. You're locking in losses at the worst time, and your savings may not fully recover.


That's exactly why we don't wait until retirement to start positioning your investments. We begin shifting your portfolio well before your last day of work so that when the market does what it does, you're not scrambling.


Here's what that looks like:


  • We build a portion of your portfolio around stability so you have money to live on without selling investments when they're down
  • We keep a long-term growth piece in place so your savings can continue to grow over a 20 to 30 year retirement
  • We follow a steady, disciplined approach instead of reacting to headlines or chasing trends


The goal is simple: when the market drops, you already have a plan for it. You don't need to panic, delay retirement, or make a rushed decision.


When things get more complex, I bring in additional experience from my team so you can feel confident in the strategy.


If this sounds like the kind of help you're looking for, Schedue a 15-Minute Intro Call or email me at cade.spenker@thrivent.com.

What It Costs

I believe in being upfront about fees.


In the financial advisory industry, ongoing account fees typically range from 0% to 3% annually depending on the firm, the advisor, and the level of service provided. Here's where my practice falls:


Annual advisory fee schedule:


  • Up to $250,000: 1.50%
  • $250,000 to $500,000: 1.35%
  • $500,000 to $1,000,000: 1.25%
  • $1,000,000 to $3,000,000: 1.00%
  • $3,000,000 to $5,000,000: 0.85%
  • Above $5,000,000: 0.75%


These fees cover ongoing portfolio management, regular reviews, and continued guidance as your situation evolves. Fees are billed quarterly and deducted directly from the account.


This is how my practice is compensated. It covers the cost of running the office, supporting the team behind your plan, and making sure you have access to expertise when you need it most.

Planning Options

If your retirement savings are still tied up with your employer, like in a current 401(k) or workplace plan, we can still work together.


Through a dedicated planning agreement, I can help you build a clear retirement plan, make smart decisions along the way, and be ready to move when the time comes. It's an annual relationship focused on planning and guidance, not tied to managing your accounts or selling products.


When you're ready to make a move with your savings, we can transition into ongoing investment management from there.

How We Work Together

Before you become a client, I want you to know exactly what the process looks like. No surprises.


Not sure if we're a fit? Start with a 15-Minute Intro Call.


This is a quick phone call where we get to know each other. You can ask questions, share what's on your mind, and we'll figure out together if it makes sense to meet for a full conversation. No pressure, no commitment.


If we're ready to dive in, here's what the full process looks like:


Meeting 1: Connect


This is our first real sit-down, about an hour. We get to know each other, talk about where you are today, what you’re trying to accomplish, and what’s been on your mind about retirement. I’ll ask a lot of questions and mostly listen. If it looks like we may be a fit, I’ll ask you to send over statements and any other key information I need so I can review everything and provide analysis in the next meeting.


Meeting 2: Discover


I come back with an initial analysis of your situation. We go over the numbers together, make sure everything was entered correctly, and talk through any gaps or follow-up questions before I put together recommendations.


Meeting 3: Deliver


I present you with initial recommendations. We walk through them together so everything makes sense. Then I ask you to go home and sleep on it. There is no pressure to decide in the room. If it feels right, we move forward. If you have more questions, we talk through them.


If you are ready to sit down and talk through your situation, you can Schedule a Connect Meeting here.


If you are not quite sure yet and would rather start with a quick conversation, you can Schedule a 15-Minute Intro Call instead.

About Cade Spenker

I was born and raised in Longview, Washington, and I still call this community home.


What I enjoy most about this work is building long-term relationships. I'm not here for a one-time meeting. I want to walk with you through retirement, meet regularly, and help you make good decisions as things change.


Financial decisions can feel heavy. When someone leaves a meeting feeling more confident and more at ease about what comes next, that's what matters to me.


That's the kind of advisor I want to be.


I chose Thrivent because the values fit what matters to me, and I wanted to build a practice serving people with care and purpose.


Life Outside of Work


My wife and I enjoy hiking in the Pacific Northwest, playing tennis, traveling, and being involved in our local community.


Family, relationships, and being present in the season we're in are important to us.

Start a Conversation

I’m currently taking on new clients and would love to connect.


If you are about 5 to 10 years from retirement and want to feel more confident about what comes next, let’s talk.


I work with people in the Longview and Kelso area who want a clear plan and don’t want to manage the day-to-day investing on their own.


Here are the best ways to get started: