Josh Morin, CPA, CFP®
Your Path to Retirement Starts Here...
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Pacific Asset Management
Josh Morin, CPA, CFP®
Gig Harbor, WA
Serving Clients Nationwide
Your Path to Retirement Starts Here...
Areas of Focus
- Financial Life Planning
- Investment Management
- Retirement Planning
- Taxes
About Me
Josh Morin, CPA, CFP® is a native to the Pacific Northwest and has called Washington home since 2010. He is a Certified Public Accountant (CPA) and CERTIFIED FINANCIAL PLANNER™ (CFP®) Professional. He first discovered his passion for financial planning while creating a financial plan for him and his wife to purchase their first home together.Growing up in a small town in Oregon, Josh has always had a passion for helping others. As a boy, he earned the honor of Eagle Scout. While he may not remember everything he learned as a Scout, the one thing he has not forgotten are the values that were instilled into him from scouting. To this day, he still lives by the Scout Motto, which is be prepared, and the Scout law which represents twelve values every Boy Scout lives by. Clients can expect a trustworthy, loyal, helpful, friendly, courteous, kind, obedient, cheerful, thrifty, brave, clean, and reverent Advisor. When tailoring financial plans for clients Josh believes a good financial plan is much like the Scout Motto, it should be prepared for the unexpected. It is not to say that we can eliminate volatility, rather plan and be prepared for cash flow in all types of markets.
Josh is a true student of the industry and enjoys bringing simplicity to often complicated financial planning subjects. He is dedicated in helping clients save money, invest smarter, and retire confidently. He is a member of the Financial Planning Association and American Institute of CPAs.
Josh is a proud graduate from the University of Portland Pamplin School of Business, with a degree in Finance and Accounting.
Outside of work, Josh can be found watching football, gardening, bicycling, barbecuing with friends and family, or spending time with his wife and three children walking around Gig Harbor, their hometown.
Professional Designations
- CERTIFIED FINANCIAL PLANNER™ Professional
- Certified Public Accountant (CPA)
Affiliations
- The AGC
Primary Location
4320 Harborview Drive Gig Harbor
Additional Locations
📍 Shelton Office: 606 W. Cota Street PO BOX 2136 Shelton, WA 98584
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Percentage of Assets Managed
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a free introductory call. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.Offers Investment Management
Yes
About our Firm
Pacific Asset Management is an SEC Registered Investment Advisor (RIA) firm dedicated to serving with diligence and integrity. Over the years, we’ve guided many individuals and families towards their financial goals, and we’ve moved clients successfully through the dot.com meltdown in 2000-02, the financial crisis of 2008-09, and the pandemic of 2020.Our investment philosophy was formed by years of observation, by studying academic research, and by learning from the sages of the industry. The following are our thoughts on various aspects of investing that form the foundation of our investment philosophy:
✅ Forecasting: No one has demonstrated, with any consistency or precision, the ability to forecast the economy, the financial markets, or the future performance of specific investments. We are planners, not prognosticators, and believe that forecasting adds no value to the investment process. In fact, we think it can be detrimental to one’s financial health.
✅ Market Timing: We do not embrace market timing for the same reason we do not pay attention to forecasts: no one has demonstrated, with any consistency or precision, the ability to time the markets. Another problem with market timing is that you have to be right twice – when to get out of the market and when to get back in – and to do this on a continuous basis.
✅ Financial Media:The financial media is in the news business and not the truth business. Their business plan requires stories or pundits that will grab the biggest audience. Reading their news stories or listening to talking heads instills a need to react to what’s going on in the financial world. This tempts us to enter the world of traders rather than maintaining a long-term perspective as disciplined and patient investors. We advise our clients to tune out the financial media or, at a minimum, to view it as nothing more than entertainment.
✅ Behavior: Investor behavior is the greatest determinant of investment results. Having patience, discipline, faith in the future and a long-term perspective are essential for investment success.
✅ Long-Term Perspective: After fifty years of research, political scientist Dr. Edward Banfield of Harvard University, concluded that long-term perspective is the single most accurate predictor of social and economic mobility in America – more important than family background, race, intelligence, connections or education. Accordingly, we feel that this viewpoint is essential for investment success.
✅ Diversification: Diversification is the best defense against risk and uncertainty. Mutual funds are a more cost-effective and efficient way to diversify than owning a portfolio of individual stocks or bonds. Combining asset classes that in the short term move dissimilarly to one another will mitigate the risk within your portfolio.
✅ Evidence-Based: The foundation of our investment philosophy is built on decades of peer-reviewed research by economist Eugene Fama who was awarded a Nobel Prize for his work. The structured asset class funds of Dimensional Fund Advisors (DFA) are built around this rigorous and time-tested academic research.
Our Approach:
✔️Advocate: When it comes to implementing your strategies, we’ll serve as a single point of contact. Our team will advocate for your financial well-being and collaborate with a select network of estate planners, lawyers and more to carry out solutions that are integrated and tax-aware.
✔️Evidence-Based: Would you be happy if you purchased a car that a salesman pushed on you to make a commission—only to find out that it did not pass safety tests? Neither would we. Our investment philosophy is based on academic studies, so your wealth is securely managed according to sufficient data rather than commission-based products.
✔️Tailored: When you work with us, you can expect a comfortable atmosphere and a desire to truly get to know you. Many of our clients become like friends and family, and we strive to treat them as such by crafting strategies entirely personalized to their concerns, goals and values.
You deserve to have peace of mind that allows you to devote attention to your life, family and passions. We take care of the ins and outs of your finances so you can live your life knowing you’re on the right financial track.
Our Comprehensive Services Include:
☑️ Investment Management: We aim to simplify the investing process for you, designing an evidence-based strategy that is personalized to you. Our team will construct a well-balanced portfolio based on your goals and risk tolerance. We focus on capturing the long-term gains from the market rather than timing the market.
☑️ Retirement Planning: Leading up to retirement can bring about many financial questions. We’ll work closely with you to understand your lifestyle vision, facilitating all necessary changes so that you are financially supported throughout your entire retirement.
☑️ Social Security Timing: When and how you claim Social Security benefits can have a significant impact on your outcomes. We’ll help you determine when to draw Social Security, what type of pension benefits to take and how to do so in the most tax-efficient way.
☑️ Retirement Income Planning: Our goal is to develop an income plan to help you live comfortably through retirement and do things like travel, give to the community, or pass on an inheritance. We’ll work with you to create a coordinated plan designed to maximize your cash flow while minimizing your taxable income.
☑️ Tax Planning: Throughout every aspect of your plan, we take a tax-informed perspective. From your investments to your estate plan and income strategy, we’ll look for ways to help you lower your taxes, so you can do more with the resources you have.
Our Investment Philosophy: Nobody Can Time the Markets | Evidence Based
With us, your portfolio will be…
👍Well-balanced and invested in all asset classes
👍Strategically allocated and diversified
👍Regularly rebalanced and passively invested
👍Composed of time-tested, academically researched funds through Dimensional Fund Advisors
👍Transform Your Old Investing Ways With “20 Thoughts on a Better Way to Invest”
Education
University of Portland, Bachelor of Business (B.B.A.), Accounting and Finance
Hobbies and Interests
- Family
- Gardening
- Horseback Riding
- Sports
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Corporate Executives
- Dual Income Family
- Gen X
- Individuals
To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.
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