David Gratke

Retirement, Investing, Lifestage Based Planning
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“With over two decades of experience in the financial industry, David Gratke helps companies, teams and individuals move from success to significance with beyond active financial planning advice and management.”
Firm:

Gratke Wealth, LLC

Job Title:

Founder

Biography:

David Gratke’s belief is that a life in balance is vital to reaching your financial summit: that picture of what your financial future looks like, when it will be and how it will feel when you reach it. When David’s not helping his clients plan for and achieve their retirement and financial goals, his trademark boots can be found en route to the slopes, cyclocross track, climbing a peak or riding the waves on the Oregon Coast.

Having been raised in a banking family, and after graduating from the University of Oregon with a BS in finance, David was employed by some of the financial industry’s giants in 1980. He has seen the industry change over time. He’s seen what works, and what doesn’t, and he takes pride in his ability to provide the modern equivalent of the trusted financial advisor of the past. Today David’s boots can be found at his own practice: 1915 NW Amberglen Pkwy, 4th Floor Beaverton, OR 97006.

Education:

BS, Finance, University of Oregon

Fee Structure:

Hourly and Fee

CRD Number:

1451919

Disclaimer:

Gratke Wealth, LLC is a registered investment adviser in the State of Oregon, California. The adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.

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    Asset Allocation
How should I rebalance my asset allocation?
50% of people found this answer helpful

The main reason I think someone would consider rebalancing their asset allocation is to achieve, or maintain a specific risk profile. That being said, it should be based upon a repeatable, demonstrable process that shows your current risk profile (before rebalancing) and the proposed risk profile (after rebalancing).

Although taxes are always important, one CPA I know would say to his clients, ' you were never entitled to 100% of the profits of your taxable account, rather, 1-minus your marginal tax rate.. That's good advise. I would rather manage the risk of all my assets, including the taxable account, than avoid rebalancing those taxable assets, leaving them with more risk going into a sharp market downturn.

The key is to have a process that shows you current and proposed risk scores. Hope this helps.

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