Generated by All in One SEO v5.0.1.1, this is an llms.txt file, used by LLMs to index the site. # Opal Advisors ## Sitemaps - [XML Sitemap](https://opaladvisors.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Don't Let Scholarship Money Create an Unexpected Tax Bill](https://opaladvisors.com/dont-let-scholarship-money-create-unexpected-tax-bill/) - Don’t Let Scholarship Money Create an Unexpected Tax Bill Receiving a college scholarship is an exciting accomplishment and, in some cases, allow a student to attend a school they may not have been able to afford. However, many parents are often unaware that not all scholarship money is tax-free. The good news is that, with - [The Financial Planning Checklist Every Adult Child Should Complete with Their Aging Parents](https://opaladvisors.com/financial-planning-checklist/) - The Financial Planning Checklist Every Adult Child Should Complete with Their Aging Parents Most adult children eventually find themselves helping their parents with their finances. Unfortunately, those conversations often don’t begin until there’s a health crisis, memory issue, or emergency. At that point, decisions become more stressful, more emotional, and often much more expensive. The - [Study Finds Financial Advisors Add Nearly 5% Per Year in Value—And It Has Very Little to Do with Picking Stocks](https://opaladvisors.com/financial-advisor-value/) - Study Finds Financial Advisors Add Nearly 5% Per Year in Value—And It Has Very Little to Do with Picking StocksWhen people think about hiring a financial advisor, they usually assume the advisor’s job is to pick winning investments.After all, isn’t that what you’re paying for?Surprisingly, the answer is no.According to Russell Investments’ 2026 Value of - [The Best Wealth-Building Decision Might Be Not Buying A Home](https://opaladvisors.com/the-best-wealth-building-decision-might-be-not-buying-a-home/) - Rent vs buy in Seattle? Learn how renting, investing the difference, or selling an appreciated home may support your long-term wealth plan. - [What Questions Should You Ask a Financial Advisor? A Practical Guide to Making the Right Choice](https://opaladvisors.com/what-questions-should-you-ask-a-financial-advisor/) - Choosing a financial advisor is one of the most important decisions you can make for your long-term financial well-being. The right advisor can help you grow your wealth, manage risk, and plan for life’s biggest milestones. The wrong one, however, can cost you—both financially and emotionally. - [How Much Do I Need to Retire?](https://opaladvisors.com/how-much-do-i-need-to-retire/) - Wondering how much you need to retire? Learn a smarter, personalized approach to retirement planning and how Opal Advisors helps you retire with confidence. - [What Parents Should Know About the “Trump Account”](https://opaladvisors.com/what-parents-should-know-about-the-trump-account/) - We wanted to share an update on a new federal investment program that may provide a meaningful financial head start for your child. - [Why Target Date Funds in 401(k) Plans Aren’t A Good Option for Most People](https://opaladvisors.com/why-target-date-funds-in-401k-plans-arent-a-good-option-for-most-people/) - Target date funds (TDFs) are a popular “set-it-and-forget-it” option in many 401(k) plans. - [Build Wealth by Getting an Interest-Free Loan from the Government](https://opaladvisors.com/build-wealth-by-getting-an-interest-free-loan-from-the-government/) - When investors think about building long-term wealth, they often focus on returns: finding great companies to invest in, allocating assets wisely, and staying invested. But there’s another powerful tool that may significantly impact your long-term results: tax deferral. - [How Business Owners Can Turn a Taxable Business Sale Into a Long-Term, Tax-Free Wealth Strategy with Opportunity Zone Funds](https://opaladvisors.com/how-business-owners-can-turn-a-taxable-business-sale-into-a-long-term-tax-free-wealth-strategy-with-opportunity-zone-funds/) - For many business owners, selling a company is the largest financial event of their lifetime. Years of hard work finally turn into liquidity — and then reality sets in: capital gains taxes can take a significant bite out of the proceeds. - [Why Your Portfolio Makes Less than What You Think It Is](https://opaladvisors.com/why-your-portfolio-makes-less-than-what-you-think-it-is/) - You’ve probably heard “The stock market returns about 10% per year.” While that sounds great, in reality your portfolio doesn’t grow 10% per year and can mislead investors. - [Small Business Owners Can Start A 401(k) With Potentially No Cost Through Federal Tax Credits](https://opaladvisors.com/small-business-owners-can-start-a-401k-with-potentially-no-cost-through-federal-tax-credits/) - For many small business owners, offering a 401(k) plan has historically felt expensive, complex, or out of reach. That perception is outdated and now businesses of any size can afford a 401(k) plan. - [How to Talk to your Adult Children about Money](https://opaladvisors.com/how-to-talk-to-your-adult-children-about-money/) - Opening up about money with adult children works best when it’s a gradual, values-based conversation, not a one-time disclosure of numbers. Parents do not have to share precise dollar amounts, but clarity about intentions, structure, and roles can greatly reduce future conflict and confusion. - [Why Residential Real Estate May Not Be A Strong Investment Going Forward](https://opaladvisors.com/why-residential-real-estate-may-not-be-a-strong-investment-going-forward/) - For decades, residential real estate has been one of America’s favorite wealth-building tools. Rising home values, the appeal of owning something tangible, and generous leverage made real estate feel like a reliable investment path. But looking ahead, investors may need to rethink those assumptions. - [Tax Changes In the ‘One Big Beautiful Bill’ That May Impact You](https://opaladvisors.com/tax-changes-in-the-one-big-beautiful-bill-that-may-impact-you/) - This past July, Congress passed the One Big Beautiful Bill Act (OBBBA). The Act addressed two main goals: extending tax breaks from the 2017 Tax Cuts and Jobs Act (TCJA) and delivering on campaign promises by the current administration. - [Is Your Investment Portfolio Truly Diversified?](https://opaladvisors.com/is-your-investment-portfolio-truly-diversified/) - A professional, authoritative guide explaining how true diversification works, why correlation matters, and how low-correlation alternative investments can strengthen a portfolio and improve long-term risk-adjusted returns. - [Tips to Help Guard Against Identity Theft](https://opaladvisors.com/tips-to-help-guard-against-identity-theft/) - After the size and severity of personal information data breaches in 2025, the old rules no longer apply. - [Tips for Completing the FAFSA and Maximizing Your Potential Aid](https://opaladvisors.com/tips-for-completing-the-fafsa-and-maximizing-your-potential-aid/) - Each year, millions of students miss out on financial aid simply because they don’t complete the Free Application for Federal Student Aid (FAFSA) correctly—or at all. ## Pages - [Home](https://opaladvisors.com/) - To be one of the best financial advisors in Bellevue, WA, we blend your vision with our expertise to deliver personalized, high-impact solutions. 425-835-3276 - [](https://opaladvisors.com/areas-we-serve/) - Redmond Best Financial Advisor Financial Advisor Retirement Planning and 401k Advice Wealth Management Advisory Services Bellevue Financial Advisor Retirement Planning and 401k Advice Wealth Management Advisory Services Kirkland Financial Advisor Retirement Planning and 401k Advice Wealth Management Advisory Services Mercer Island Financial Advisor Retirement Planning and 401k Advice Wealth Management Advisory Services Newcastle Financial Advisor - [Retirement Planning for North Bend - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-north-bend-wa/) - Retirement planning for North Bend, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Covington - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-covington-wa/) - Retirement planning for Covington, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Maple Valley - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-maple-valley-wa/) - Retirement planning for Maple Valley, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Des Moines - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-des-moines-wa/) - Retirement planning for Des Moines, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Sumner - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-sumner-wa/) - Retirement planning for Sumner, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Puyallup - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-puyallup-wa/) - Retirement planning for Puyallup, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Tacoma - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-tacoma-wa/) - Retirement planning for Tacoma, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Enumclaw - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-enumclaw-wa/) - Retirement planning for Enumclaw, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Bonney Lake - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-bonney-lake-wa/) - Retirement planning for Bonney Lake, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Snoqualmie - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-snoqualmie-wa/) - Retirement planning for Snoqualmie, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Monroe - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-monroe-wa/) - Retirement planning for Monroe, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Marysville - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-marysville-wa/) - Retirement planning for Marysville, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Mukilteo - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-mukilteo-wa/) - Retirement planning for Mukilteo, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Bainbridge Island - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-bainbridge-island-wa/) - Retirement planning for Bainbridge Island, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Sea Tac - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-sea-tac-wa/) - Retirement planning for Sea Tac, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Burien - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-burien-wa/) - Retirement planning for Burien, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Kent - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-kent-wa/) - Retirement planning for Kent, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Federal Way - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-federal-way-wa/) - Retirement planning for Federal Way, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Auburn - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-auburn-wa/) - Retirement planning for Auburn, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Mill Creek - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-mill-creek-wa/) - Retirement planning for Mill Creek, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Edmonds - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-edmonds-wa/) - Retirement planning for Edmonds, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Woodinville - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-woodinville-wa/) - Retirement planning for Woodinville, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Newsletter Article - How to Think About Your Estate Planning and the Related Documents](https://opaladvisors.com/how-to-think-about-your-estate-planning/) - How to Think About Your Estate Planning and Related DocumentsAccording to a 2025 Pew Research Center poll, only 32% of American adults have created a will or estate plan. This is a startling statistic.If you remain among the roughly two-thirds of Americans without an executed will or living trust, please reach out to us. We - [Newsletter Article - Could Washington's Estate Tax Reduce Your Family's Inheritance?](https://opaladvisors.com/could-washingtons-estate-tax-reduce-your-familys-inheritance/) - Could Washington’s Estate Tax Reduce Your Family’s Inheritance?Many Washington residents are surprised to learn that our state imposes its own estate tax, separate from the federal estate tax.1. Key Facts About the Washington Estate TaxEstate tax exemption: $3 millionTax rates: 10% to 35%The tax may apply even when no federal estate tax is owed.Assets such - [Retirement Planning for Lynnwood - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-lynnwood-wa/) - Retirement planning for Lynnwood, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. Schedule a consultation. - [Retirement Planning for Shoreline - Retirement Financial Advisor](https://opaladvisors.com/retirement-planning-shoreline-wa/) - Retirement planning for Shoreline, WA with a fee-only fiduciary retirement financial advisor. 401k financial advisor guidance for rollovers and smart decisions. 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Schedule a consultation. - [Wealth Management & Investment Advisory for North Bend](https://opaladvisors.com/wealth-management-north-bend-wa/) - Wealth management, investment advisory, and fiduciary wealth advisor services for North Bend. Get clear, trusted guidance for investing and planning. Start today. - [Wealth Management & Investment Advisory for Covington](https://opaladvisors.com/wealth-management-covington-wa/) - Wealth management, investment advisory, and fiduciary wealth advisor services for Covington. Get clear, trusted guidance for investing and planning. Start today. - [Wealth Management & Investment Advisory for Maple Valley](https://opaladvisors.com/wealth-management-maple-valley-wa/) - Wealth management, investment advisory, and fiduciary wealth advisor services for Maple Valley. Get clear, trusted guidance for investing and planning. 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Start today. - [Financial Advisor in Bainbridge Island - Financial Planning Services](https://opaladvisors.com/financial-advisor-bainbridge-island-wa/) - Flat fee, financial advisor in Bainbridge Island, WA offering holistic, comprehensive & personalized financial planning services. We make the complex simple. - [Wealth Management & Investment Advisory for Federal Way](https://opaladvisors.com/wealth-management-federal-way-wa/) - Wealth management, investment advisory, and fiduciary wealth advisor services for Federal Way. Get clear, trusted guidance for investing and planning. Start today. - [Wealth Management & Investment Advisory for Auburn](https://opaladvisors.com/wealth-management-auburn-wa/) - Wealth management, investment advisory, and fiduciary wealth advisor services for Auburn. Get clear, trusted guidance for investing and planning. 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If you are looking for a fee-only wealth advisor in the Bellevue, WA area, call Opal at 425-835-3276 - [Adrian Fernandez](https://opaladvisors.com/adrian-fernandez/) - Email Adrian@opaladvisors.com Phone 253-232-4021 Adrian Fernandez Adrian brings a thoughtful, analytical approach to wealth management, shaped by experience at the intersection of finance, technology, and global operations.He began his career at Kuelap, Inc., where he advanced to Director of International Business Operations, managing a $4M budget and leading reporting for investors and the Board. His - [Wealth Management & Investment Advisory for Everett](https://opaladvisors.com/wealth-management-everett-wa/) - Wealth management, investment advisory, and fiduciary wealth advisor services for Everett. Get clear, trusted guidance for investing and planning. 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He believes that all strategies flow from goals and then resources. The determination of a - [James Hua](https://opaladvisors.com/james-hua/) - Email james@opaladvisors.com Phone 206-595-1696 James Hua James believes life is about people and the impact you make on them. As the founder of Opal, James serves as a financial advisor to clients and Chief Investment Officer (CIO) for the company. He is passionate about focus and simplicity when it comes to financial plans and investments.Prior - [Justin Young](https://opaladvisors.com/justin-young/) - Email justin@opaladvisors.com Phone 206-419-2357 Justin Young Justin’s path to financial advising is anything but typical. A former CPA, professional investor, and entrepreneur, he brings a well-rounded perspective shaped by both Wall Street and real-world business ownership.He began his career at Freestone Capital Management, where he became a Partner and Portfolio Manager, developing deep market expertise - [Wealth Management & Investment Advisory for Kirkland](https://opaladvisors.com/wealth-management-kirkland-wa/) - Wealth management, investment advisory, and fiduciary wealth advisor services for Kirkland. Get clear, trusted guidance for investing and planning. Start today. - [Wealth Management & Investment Advisory for Redmond](https://opaladvisors.com/wealth-management-redmond-wa/) - Wealth management, investment advisory, and fiduciary wealth advisor services for Redmond. Get clear, trusted guidance for investing and planning. 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Claim Your Complimentary Consultation Our exclusive benefits for you RSU & Concentrated Stock Strategy SessionA one-time deep dive into your company equity plan: tax timing, diversification, and liquidation strategies. Portfolio Check-UpExclusive, no-cost review of allocations, fees, - [Solutions](https://opaladvisors.com/financial-planning-services-bellevue-wa/) - Financial planning services in Bellevue, WA. We customize financial plans around your goals and wants. Call today. 425-835-3276 - [Retirement Guide](https://opaladvisors.com/retirement-guide/) - Retirement Guide Retirement-GuideFirst NameEmailPhoneGet the Guide - [6 Essential Steps Following the Sale of Your Business](https://opaladvisors.com/6-essential-steps-following-the-sale-of-your-business/) - 6 Essential Steps Following the Sale of Your Business Sale of Your BusinessFirst NameEmailPhoneGet the Guide - [Tips for completing the FAFSA](https://opaladvisors.com/tips-for-completing-the-fafsa/) - Tips for completing the FAFSA Tips-for-completing-the-FAFSAFirst NameEmailPhoneGet the Guide - [Areas](https://opaladvisors.com/areas/) - Coming Soon .. - [Lead Magnet - 7 Secrets to Shrink Your Tax Bill](https://opaladvisors.com/7-secrets-to-shrink-your-tax-bill/) - 7 Secrets to Shrink Your Tax Bill lead_contactFirst NameEmailPhoneGet the Guide - [Christina Hua](https://opaladvisors.com/christina-hua/) - Email christina@opaladvisors.com Phone 425-761-6968 Christina Hua Christina goes above and beyond to make sure the needs of Opal clients are taken care. In June 2024, she left her role at Amazon after 8+ years to bring her deep experience in working backwards from the customer and applies those concepts at Opal to create the best - [Our Team](https://opaladvisors.com/our-team/) - James Hua Founder and Advisor Justin Young Director of Investments/Advisor Sprague Kolp Director of Planning/Advisor Bao Ly Director of Operations Christina Hua Director of Client Services Julia Smith Marketing VP Emma Brown Accounting Manager Sophie Moore Budget Analyst Maria Lopez Tax Accountant - [Bao Ly](https://opaladvisors.com/bao-ly/) - Email bao@opaladvisors.com Phone 425-835-3276 Bao Ly Bao leverages the expertise gained from over a decade in the corporate sector to serve families and individuals for Opal. Every aspect of the firm’s financial operations benefits from his careful oversight and analytical discipline.Before Opal, Bao’s career spanned from roles at Amazon And Nordstrom, where he specialized in - [Testimonials](https://opaladvisors.com/testimonials/) - Far far away, behind the word mountains, far from the countries Vokalia and Consonant, there live the blind texts. Separated they live in Bookmarks grove right at the coast of the Semantics, a large language ocean. Jessica Martin Planning for a New Child Even the all-powerful Pointing has no control about the blind texts it - [Image Gallery](https://opaladvisors.com/image-gallery/) ## Elementor Header & Footer Builder - [header_inner](https://opaladvisors.com/elementor-hf/header_inner/) - 3150 Richards Rd Suite 240, Bellevue, WA 98005 425-835-3276 info@opaladvisors.com 3150 Richards Rd Suite 240, Bellevue, WA 98005 425-835-3276 info@opaladvisors.com Menu Home Why Opal Solutions Contact Blog Client Login Schwab Portal Client Portal Contact Us - [Footer_contact](https://opaladvisors.com/elementor-hf/footer_contact/) - 425-835-3276 info@opaladvisors.com Company Opal Advisors, LLC 3150 Richards Rd Suite 240,Bellevue, WA 98005 Services Home Why Opal Services Contact Location Western Washington 3150 Richards Rd Suite 240, Bellevue, WA 98005 Get Directions Opal Advisors, LLC is a registered investment adviser. The adviser may not transact business in states where it is not appropriately registered or - [CityRank_Header](https://opaladvisors.com/elementor-hf/cityrank_header/) - A Differentiated Wealth Experience Building Personal Relationships At Opal, we build meaningful relationships with our clients. We’re not just an advisor, we are your guide to creating financial strength and resiliency. From investment strategy and tax efficiency to generational wealth transfer, every element is tailored to support your goals and wants. Develop My Financial Picture ## Categories - [Uncategorized](https://opaladvisors.com/category/uncategorized/) - [Taxes](https://opaladvisors.com/category/taxes/) - [Financial Aid](https://opaladvisors.com/category/financial-aid/) - [Investments](https://opaladvisors.com/category/investments/)