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Providing Retirement Strategies For Individuals and Businesses

 Retirement Solutions For the Future You Deserve

As an independent firm, we provide objective advice to our clients. We apply our decades of experience in working with you to develop simplified strategies and solutions to pursue your financial goals. McKay Retirement Consultants is uniquely positioned to provide financial and tax planning strategies*.


Focusing On....

Retirement Plan Consulting

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Business Succession Consulting

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Executive Benefits Strategies

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Personal Planning & Tax Strategies*

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...We’re Here to Develop a Clear and Confident Path to a Successful Retirement.


Uniquely Qualified to Support You



McKay Retirement Consultants has brought a team approach to our comprehensive financial planning since we began in 1994. We combine the knowledge of our team members with the experience of our professional partners to address your entire financial picture.

Meet Our Team.

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James R. McKay, CFP®, AIF® Photo

James R. McKay, CFP®, AIF®

Partner
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James R. McKay, CFP®, AIF®

CA Insurance License #0C45798
Partner

P: (206) 973.4497 

F: (866) 773.8304

E: Jim.mckay@MCKAYWEALTH.COM 


Jim is a founding shareholder of McKay Wealth Management and McKay Retirement Consultants. He is passionate about helping clients in reaching their long-term financial objectives. Jim is a strong believer that achieving financial goals hinges on having the right plan - a plan that fits the client’s unique circumstances and grows with them. Jim’s greatest strength is listening to and understanding his client’s needs, wants, and wishes, to help them work toward their financial goals and minimize taxes through tax-efficient solutions.  His ability to design and use tax-deductible programs to accomplish succession and retirement goals sets him apart from others in the industry.

Jim has been in the financial services industry since 1981 and established the business succession and retirement plan departments. His knowledge and experience in tax efficiencies and finance make him sought after by many in the industry. Jim is a CERTIFIED FINANCIAL PLANNER™ (CFP®), maintains the Accredited Investment Fiduciary® (AIF®) designation and is an Investment Advisor Representative with Cetera Advisor Networks LLC.

Jim has been named to Cetera's Circle of Excellence* in 2022 and 2023. This elite distinction recognizes the hard work Jim has done to provide his clients with trustworthy guidance, run a practice with integrity, and pursue excellence in all that he does.  

McKay Retirement Consultants was named to the 2020 PLANADVISER's Top 100** Retirement Plan Advisers.

Jim is a graduate of Seattle Pacific University and the College for Financial Planning. He lives in South King County and enjoys traveling, fishing, and spending time with his family.


Investment Adviser Representative offering securities and advisory services through Cetera Advisor Networks LLC,
(doing insurance business in CA as CFGAN Insurance Agency LLC  - CA Insurance License #0644976),  
member FINRA/SIPC, a broker-dealer and registered investment adviser.  
Cetera is under separate ownership from any other named entity.

*The Circle of Excellence recognition is not a guarantee of future investment success and should not be construed as an endorsement of the advisor by any client.

**McKay Retirement Consultants was named to the 2020 PLANADVISER’s Top 100 Retirement Plan Advisers for the year 2020.  2020 Planadviser’s Top 100 Retirement Plan Advisers: Top 100 designees are named according to the dollar value of qualified plan assets under advisement, as well as the number of plans under advisement. To be eligible advisers must complete the annual survey - this year, as last, the firms fall under the following headings: individual adviser—meaning one adviser and support staff; small team—a group of two or more advisers and support staff, the total not exceeding 10; large team—a group of 11 through 35 advisers and support staff; and mega teams—36 or more team members in all. Listing in this publication and/or award is not a guarantee of future investment success. This recognition should not be construed as an endorsement of the advisor by any client. For complete information regarding the criteria for selecting award winners, visit https://www.planadviser.com/awards/2020-top-100-retirement-plan-advisers/

Dona Katseyeanis Photo

Dona Katseyeanis

Operations Manager
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Dona Katseyeanis

Operations Manager

P: (206) 973.4496 

F: (866) 773.8304

E: dona.katseyeanis@mckaywealth.com 


Dona joined McKay Wealth Management in December 2012 with 15 years of experience in financial services. Twelve of those years took place in the marketing department of an independent broker-dealer and three were spent working with an independent P&C and life insurance agent.

Dona appreciates local culture: museums, opera, theater and listening to live music. She enjoys traveling to Europe, Hawaii and taking Caribbean cruises. Dona has been an avid Seahawks fan since 1976.

Dona resides in Edgewood, WA with her husband, Gus, and their two rescue dogs, Cheerio and Luna.


Kelly McKay, CRPS®, CPFA, AIF® Photo

Kelly McKay, CRPS®, CPFA, AIF®

Financial Advisor
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Kelly McKay, CRPS®, CPFA, AIF®

Financial Advisor

P: (206) 973.4487

F: (866) 773.8304

E: kelly.mckay@mckaywealth.com


Kelly joined McKay Retirement Consultants in 2015 and brings a wealth of knowledge in the ERISA-based retirement plan space. Prior to joining the firm, Kelly spent several years working for a retirement plan consulting firm where she worked with large corporate retirement plans throughout the country and provided clients with plan design assistance, investment selection and customized participant communication and education.

Kelly has a bachelor's degree in finance from the University of Washington and holds Series 7 & 66 registrations. With her focus on business retirement planning, she is an active member of the National Association of Pension Advisors, Women In Pension Network and has obtained her Chartered Retirement Plans SpecialistSM (CRPS®), Certified Plan Fiduciary Advisor (CPFA), and Accredited Investment Fiduciary® (AIF®) designations.

Kelly enjoys trying new hobbies (currently sailing and scuba diving), volunteering with the Seattle Humane Society and coaching gymnastics.  She recently completed training to become a Foster parent and is looking forward to getting more involved with her local youth! 

Jason E. Richert, AIF®, CRPC® Photo

Jason E. Richert, AIF®, CRPC®

Financial Planner
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Jason Richert, AIF®, CRPC®

CA Insurance License #0M16932

FINANCIAL PLANNER

P: (206) 973.4479 

F: (866) 773.8304

E: JASON.RICHERT@MCKAYWEALTH.COM 

Schedule an appointment: www.GetTimeWithJason.com


In today’s world, there are many challenges facing families of all types: balancing current expenses, saving for college, caregiving, and ensuring a dignified retirement will be waiting. As a financial advisor, Jason works alongside his clients to ensure that they have a clear idea of their goals, how to effectively save, and smartly invest. Working together on a regular basis, we update plans and analyze methods to pursue those goals. From holistic, fee-based financial planning to customized investment solutions, each client’s individual situation is analyzed to find the ideal ratio of risk against potential reward. Jason has a clear affinity toward educating clients about their options so they can make a truly informed decision.

A 15 year veteran of the tech industry, Jason joined McKay Retirement Consultants to bring his technology skills and personal wealth management knowledge to support the team. Jason maintains his Chartered Retirement Planning Counselor® designation and has completed further training in the areas of Social Security claiming strategies, planning for the Special Needs community, and he has experience dealing with various types of trusts. As an independent Investment Advisor Representative with Cetera Advisor Networks LLC, Jason has the investment freedom to select the most suitable investment vehicles for his clients by putting their best interest first.

 

Investment Adviser Representative offering securities and advisory services through Cetera Advisor Networks LLC,
(doing insurance business in CA as CFGAN Insurance Agency LLC  - CA Insurance License #0644976),  
member FINRA/SIPC, a broker-dealer and registered investment adviser.  
Cetera is under separate ownership from any other named entity.









































































































































































































When away from the office, Jason is active in his Rotary Club (Bellevue Eastside Rotary Club) and serves on the board for that club as President Elect. As a passionate cook, the neighborhood frequently catches wind of Jason and his smoker over the weekend as he explores the delicious world of barbeque. 

Scott Waldron, AIF® Photo

Scott Waldron, AIF®

Senior Investment Consultant
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Scott Waldron, AIF®

Senior Investment Consultant

P: (503) 213.3628 

F: (866) 773.8304

E: scott.waldron@mckaywealth.com 


Scott has over 34 years of experience in the insurance and financial services industry and understands the importance of cultivating long-lasting relationships and enduring bonds.

Scott possesses significant knowledge and insight of the 401(k) retirement plan market, gained through his industry experience of consulting, designing, implementing and servicing qualified defined contribution retirement plans from his associations with Transamerica Retirement Services, Bank of America, US Bank and MSI Insurance.

Professionally, Scott actively maintains his life and health insurance licenses in Oregon and Washington, is a Registered Representative of Cetera Advisor Networks LLC (Series 6 & 63) and has earned the Accredited Investment Fiduciary® (AIF®) designation. Scott is also a past president of the Kruse Way Lake Oswego Rotary Club and Sigma Phi Epsilon fraternity alumni of Oregon State University.


Tony DeLorenzo Photo

Tony DeLorenzo

Registered Representative
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Tony DeLorenzo

Registered Representative

P: (206) 973.4483 

F: (866) 773.8304

E: tony.delorenzo@mckaywealth.com 


Tony has over 30 years of experience in banking and investments beginning his career in consumer finance at Puget Sound Bank where he completed the management training program. After leaving Puget Sound Bank, Tony managed the Western Washington regional call center for KeyBank. In 2000, Tony transitioned to Russell Investments to pursue a career in personal investments.

At Russell, Tony supervised the transfer agent support team and handled exception processing for broker-dealers and advisor clients. In 2007, Tony obtained his Series 7 and 63 registrations in order to assist Russell employees with their personal investment accounts. Tony left Russell shortly after their relocation to Seattle and is now doing what he loves: helping people improve their financial security as a client service associate with our firm.

Tony was born in Fircrest and has lived in University Place for 27 years, just a golf club's swing down the first fairway from his childhood home. He attended both Bellarmine Prep and Western Washington University, where he studied business management. Tony’s favorite vacation spot is Maui where he visits annually with his wife of 29 years, Deborah. They are proud parents of a Shih-Tzu/Maltase mix, Mandy who is 9 years young.

Barbara Cowlthorp Photo

Barbara Cowlthorp

Client Services Associate
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Barbara Cowlthorp

Client Services Associate


F: (866) 773.8304

E: barbara.cowlthorp@mckaywealth.com 


Barbara joined the McKay Retirement Consultant family in May of 2019.  Barbara is the “behind the scene person” that helps with day-to-day documentation and reports.  

Prior to joining the team Barbara spent many years with ING/Voya in their Financial Services Division as their office manager.  The office serviced the 403(b) and 457 employer groups and their employees.   Most recently Barbara worked for one of the leading insurance services companies in McMinnville, OR selling individual, family and Medicare Plans.  She holds her Life & Health Licenses in Oregon.

Barbara graduated from Oregon State University and lives in McMinnville, OR.  She enjoys gardening, fishing, and spending time with her family.

A Successful Retirement

Solutions For a More Confident Retirement Future


Setting you and your business on the path toward a successful retirement is our ultimate goal. By using a team approach, we’re able to put our combined decades of experience into solving your unique financial needs. As we listen to your personal and professional goals and specific concerns, we’ll work with you to develop customized solutions to assist you in achieving a successful outcome.



Implement a Plan That is Right

For Your Business and Your Employees

Selecting the right retirement plan to benefit both you and your staff can feel like a monumental task for any business owner. Not only are you taking on the fiduciary duties of acting in your employees’ best interest, but you’re becoming responsible for their hard-earned retirement savings.


Our team of professionals are well-equipped to help you understand and execute your company’s retirement plan. Together, we’ll address: 


Retirement Plans

 

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Retirement Plans

Being a 3(21) investment fiduciary advisor allows us to work with any retirement plan vendor to provide knowledgeable, unbiased advice to our Plan Sponsors. There are many types of retirement plans available.


We listen to help you select the  plan that meets your needs and goals.


  •  401(k) Defined Contribution

  •  403(b)

  •  457(b)

  •  Profit Sharing

  •  Defined Benefit

  •  Solo 401(k) plan

  •  Cash-Balance

Plan Services

 

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Plan Services

Our goal is to help Plan Sponsors reduce Fiduciary Liability, Increase Participant Participation and Retirement Readiness, all at an Efficient Cost.


  • Plan Design Consulting

    Our focus is to maximize benefits for participants and owners. We review the plan design based on the plan objectives and benchmark against other plans in the same industry. We recommend design changes that would optimize the benefits.

  • Investment Policy Statement

    A formal, ERISA-compliant investment policy statement is crucial to every 401k plan. We work with you to establish an ongoing investment management process and criteria to select, monitor, and, if necessary, make recommendations for fund changes.

  •  Investment Analysis & Selection

    We partner with RPAG, whose proprietary Scorecard System™ ranks more than 20,000 funds across 36 asset classes. This robust independent investment analyzer facilitates the search for best-in-class investments, providing the necessary data to select funds that are free of bias and conflicts of interest, and comply with the criteria established in your investment policy statement.

  •  Fiduciary Review & Training

    Provide fiduciary training for Plan Sponsors, keep trustees informed of regulatory updates and make recommendations to help you meet your fiduciary responsibility.

  •  Investment Committee Management

    Assist you, the Plan Sponsor, in meeting your obligations to plan participants and DOL requirements, helping to minimize fiduciary liabilities.

  •  Fee Disclosure

    Conduct analysis of plan fees and expenses to provide plan participants and plan fiduciaries complete, transparent disclosure of fees charged by all plan service providers.

  •  Vendor Benchmarking

    We support your requirement to maintain plan vendor fees that are “reasonable” through research and benchmarking to plans of similar size, by obtaining competitive bids. We assist you with analyzing proposals to make the best decision for the Plan and Participants.

Participant Services

 

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Participant Services

The decision to offer a retirement plan can greatly improve the chances that employees will be more prepared financially for retirement when they take advantage of this benefit.


A targeted education program improves the chances that participants will start saving and help them make better informed financial decisions.


  •  Enrollment Meetings

    Educate and promote plan participation while fostering employee appreciation of the valuable benefit you are providing.

  •  Retirement Readiness

    Offer employee programs that encourage early plan participation along with the importance of increased deferrals to assist them in achieving their retirement lifestyle goal.

  •  Customized Participant Education

    Analyze your employee demographics to deliver topics that fit their needs. A younger workforce has different education needs than pre-retirees.

  •  Participant Retirement Coaching

    Employees have access to an experienced financial professional for on-site group meetings, web-based interaction, and one-on-one retirement consultations.

  •  Financial Education Webinars


  •  Financial Wellness 

  • E-Newsletters


Have Questions About Getting Started?

Let us assist you with clarifying the complexities involved with providing retirement benefits for you and your valued staff.

Contact Us

Create a Clear and Confident Legacy

A business is typically the largest source of personal wealth for most owners. When it's yours, it becomes part of you who you are, adding to the already complex circumstances of these transactions. 


Special attention needs to be paid not only to the financial impact and structure of your business but to the personal impact on you and your family. Planning ahead with a team of qualified professionals to guide you will allow for a thoughtful and well-executed transition.


We’ll Navigate Transition Details Including:


*Neither Cetera Advisor Networks LLC nor its representatives offer tax or legal advice. Please consult with your tax and legal advisors regarding your individual situation.

  •  Assembling Your Team of Financial professionals

  •  Preparing Your Business

  •  Contingency Plans

  •  Tax Estate Planning Strategies*

  •  Post-Transition Investment Strategy


If You Have Questions…

We’re happy to discuss your initial concerns with a complimentary consultation. Give us a call or schedule a meeting with us today.

Let’s Get Started

Executive Benefits Strategies

We help business owners develop strategies to retain their top employees, the employees that are vital to the success of their business.  Together, we will review any existing buy-sell and partnership arrangements, and develop other agreements needed to ensure that you keep your key employees and they are set-up for a successful retirement.


Strategies Include:

  •  Key Person

  •  Cross Purchase Buy-Sell Agreement

  •  Salary Continuation

  •  Qualified Retirement Plan

  •  Deferred Compensation


Begin Protecting Your Key Employee Relationships Today

Preserve the Wealth

You’ve Worked Hard to Accumulate

Proactive planning allows you the opportunity to minimize tax burdens with strategies that can result in years of savings.  Working with your accounting professionals to coordinate the taxation of business and professional income can result in benefits for both you and your business.


With vast knowledge and experience in tax efficiencies, our team of dedicated professionals can guide you in taking advantage of tax planning opportunities.


Our Planning & Tax Strategies* Include:


*Neither Cetera Advisor Networks LLC nor its representatives offer tax or legal advice. Please consult with your tax and legal advisors regarding your individual situation.

  •  Investment Portfolio Restructuring

  •  Tax Advantage Investments

  •  Maximizing Retirement Plan Contributions

  •  Tax Efficient Wealth Transfer

  •  Charitable Gifting

Interested in Learning More?

We’ll continually work with you to uncover new tax-saving opportunities as they arise.

Contact Us to Get Started

Working With You to Customize a Plan

For Your Needs, Wants and Wishes

Personalized Service

Comprehensive Guidance

Throughout our engagement, we utilize a streamlined process tailored to your needs and interests. We’re focused on delivering consistent, high-quality recommendations that are beneficial to you and your financial picture.


As a business owner, you have unique financial issues. McKay Retirement Consultants will help you develop a clear plan regardless of what stage you find yourself.


Step 1

Schedule a Discovery Meeting

We’ll begin by developing a thorough understanding of your current situation as well as your interests, needs and goals moving forward. You’ll get to know our team members as we collect and review the relevant data associated with your finances.

We make scheduling your meeting easy. Simply give us a call to learn more about how we serve our clients. 

Step 2

Approach Your Retirement Goals

Together, we’ll work to understand your dreams and ultimately define your retirement lifestyle goals. By sharing your thoughts and ideas about what you want the future of your business to look like, we’ll determine what is important to you and how we can help you achieve your aspirations. 

Step 3

Cultivate a Long-Term Relationship

Over time, our relationship will change based on your preferences and what financial approach should be taken. We want to instill financial confidence through our experience, knowledge and passion to help you move forward. We enjoy lifelong relationships with our clients and we’re confident that our partnership with you will continue for the foreseeable future.


Ready to Get Started?

Whether you have questions regarding tax planning strategies*, employer-sponsored benefits or the succession of your business, we'll ensure the necessary details are addressed in order to accomplish your goals.


Schedule a Complimentary Consultation

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Proudly Serving Business Owners
Throughout the Country

Get In Touch With Us

From Washington State to Florida, we work with clients in person, over the phone and virtually.  Our decades of experience and industry knowledge are at the ready to help you design your own strategy for achieving financial success and leaving a legacy with purpose.

Do You Have More Individual or Family-Focused Questions?

Learn More About Our Personal Planning Services