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You know what you’re retiring from...

What will you retire to?


Whether you want a traditional retirement, a pivot to an Encore career, or an Unretirement full-steam-ahead in the work that you love, you need a financial roadmap designed around what's most important to you in life.

SecondHalf Planning & Investment is a Portland, Oregon fee-only retirement planning and investment management firm. We specialize in helping individuals and couples in their 50s and 60s get retirement-ready and then successfully transition into the life of financial independence they want. 

Retire on your terms, not some artificial finish line or lifestyle pushed by society and the financial industry.


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Why Choose Us?


We know Retirement Transitions and the Second Half of Life


You get one chance to live your best life in retirement. There is no do-over. And it's not just the money, there are important non-financial concerns as well. Benefit from our expertise in retirement lifestyle, aging, Social Security strategies, tax-smart income and distribution complexities, housing decisions, estate issues, and end-of-life matters.

Our Investment Management Plays Defense


Large losses can be tough to take at any age, but devastating to your retirement nest egg. Most advisors put your investments in a static model portfolio which simply rides the markets wherever they go. Our Defender Tactical Strategies seek to minimize the downside while capturing a reasonable amount of financial upside when market conditions allow.

An Advocate Working for Your Best Interests


We work for you and are paid only by you. No third-party commissions or trips to Cabo from the sale of financial products. This minimizes conflicts of interest. As a fiduciary, we will always place client interests ahead of our own. Here's our Fiduciary Pledge


Services & Fees



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About


Larry

Larry McClanahan, CFP®, ChFC, CLU, CASL, EA

Hi, I’m Larry McClanahan.


I love helping people plan and transition into their best life in retirement. Too many folks fail to plan at all or make unsalvageable retirement and investment decisions. Far better to "prepare so you don't have to repair." 

But I haven't always been into financial planning...initially I was headed toward the ministry. After earning my ministry degree I discovered an aptitude for business and management, so more studies and a change in career path.

I’ve been an Accountant, City Manager, and Vice President & CFO of a 5-school education institution. And while I was good at financial and organizational management, there's just something very satisfying about helping individuals and couples get clarity on their financial picture.

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Our clients come to us from a wide variety of backgrounds. But they share in common certain values, lifestage, retirement and investment concerns, and how they prefer to work with their advisor.

We might be a good fit to work together if:

  • You are in the second half of life (age 50+)—within a few years of retirement, already enjoying retirement, or engaged in an Encore career.
  • You understand the importance of a well-planned retirement transition and the value of periodic retirement check-ups to stay on track.
  • You want to delegate portfolio management to a professional who “plays defense” to help protect against large losses.
  • You prefer to spend time with the people you love and interests you enjoy most, instead of watching markets, making investment decisions, and managing financial details.


I keep hearing the term fiduciary advisor. What does that mean?
How are my investments protected from theft?
What about your ongoing contact with clients?
Do you work with other professionals?

We maintain a small network of allied professionals who provide legal, tax, mortgage, aging/elder care, and other services, to whom we can refer clients or coordinate services as needed. This is a professional referral network only and we receive no compensation for such referrals. If you already have advisors in these areas, we will be happy to coordinate with them.

How can I check your regulatory background?


Larry McClanahan has answered over 1,100 questions on consumer financial sites Investopedia, NerdWallet, WalletHub, and BrightScope. He has also been quoted in national media such as WSJ's MarketWatch, USA Today, Nasdaq, Investment News, and LifeHealth Pro.

5 Ways to Reduce Taxes When You Are In Retirement

Larry McClanahan quoted in Investopedia, article by Donna Fuscaldo, November 19, 2016.


Social Security: Saving vs. Delaying Benefits

Larry McClanahan quoted in Investopedia, article by Natasa Milas, July 29, 2016.


Want a Healthy, Rich Retirement? Keep Working

Larry McClanahan quoted in USA Today, article by NerdWallet's Kelsey Sheehy, June 6, 2015.


Think Twice Before Selling a Settlement

Larry McClanahan quoted on NerdWallet consumer website, article by NerdWallet's Tony Armstrong, May 22, 2015.


How to Pay Yourself in Retirement

Larry McClanahan quoted in Nasdaq, article by NerdWallet's Graham Ober, August 19, 2014


Should Millennials Plan Retirement the Way Boomers Did?

Larry McClanahan quoted in WSJ's MarketWatch, article by NerdWallet's Cliff Goldstein, June 25, 2014.


Financial Advisers Aren't Just For The Rich

Larry McClanahan quoted in WSJ's MarketWatch, article by NerdWallet's Cliff Goldstein, May 5, 2014.


Duration of Marriage and Divorce Affect Social Security Benefits

Larry McClanahan quoted in Investment News, article by Mary Beth Franklin, February 27, 2014.


Where Does Human Capital Fit Into The Income Plan

Larry McClanahan quoted in LifeHealth Pro, article by Warren Hersch, August 26, 2009.

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