Fiduciary Financial Advisor for the Portland Metro
Where Victory Independent Planning was founded. Independent, fee-transparent retirement and wealth planning for Pacific Northwest professionals 55+ — including educators, public employees, defense industry veterans, and small business owners.
The Pacific Northwest Is Where Victory Began
Patrick Huey founded Victory Independent Planning in the Portland metro area, where the firm keeps its Pacific Northwest home base. As a Certified Financial Planner™ (CFP®), Chartered Advisor in Philanthropy® (CAP®), and Accredited Tax Preparer (ATP) — and a former U.S. Naval Flight Officer — Patrick brings military discipline and a fiduciary’s loyalty to every plan he writes.
Through his proprietary Check Six Client Discovery System™ and the VIP Retirement Glidepath™, Patrick has spent more than a decade helping Pacific Northwest families plan for retirement — including educators navigating PERS, defense industry veterans with stock and equity comp, and small business owners planning succession.
Planning Built Around Life in the Pacific Northwest
Whether you’re an Oregon educator navigating PERS, a defense industry professional with stock options, or a Vancouver small business owner planning your exit — we build the plan around your life.
Retirement Income Planning
The VIP Retirement Glidepath™ coordinates Social Security, PERS or OPSRP benefits, 401(k)s and IRAs into a unified income strategy — built to weather Pacific Northwest cost-of-living realities.
Learn More →Investment Management
Custom VIP Portfolios with broad diversification, professional management, and no proprietary product pressure — including coordination with employer plans, TSP, and equity compensation.
Learn More →Tax Planning & Preparation
Strategic tax planning that takes Oregon’s high income tax — and Washington’s no-income-tax reality — into account. Roth conversion timing, equity comp, and cross-river residency strategy.
Learn More →Comprehensive Financial Planning
The Check Six Client Discovery System™ delivers clear answers for complex decisions — Social Security timing, pension elections, healthcare bridges, and legacy planning under Oregon and Washington law.
Learn More →Healthcare & Medicare Planning
Medicare options, long-term care strategy, and pre-65 health coverage gap planning — including the Oregon and Washington exchange dynamics that catch early retirees off guard.
Learn More →Estate & Legacy Planning
Estate strategies coordinated with Oregon and Washington law — including Oregon’s $1M estate tax exemption (well below the federal threshold), beneficiary planning, and charitable giving optimization.
Learn More →Pacific Northwest Professionals Planning for What’s Next
Patrick’s Portland metro clients share a common thread: they’ve built a meaningful career in the Pacific Northwest, and they want to retire on their own terms.
Oregon Educators & PERS Members
Teachers, professors, and public employees navigating PERS Tier 1, 2, or OPSRP — we coordinate pension elections with Social Security, 403(b)s, and IRAs into a single retirement income plan.
Defense Industry Veterans
Former military officers now in the defense corridor — we plan around military pensions, TSP, stock options, RSUs, and the VA benefits former officers often leave unclaimed.
Small Business Owners
We’re a small business ourselves, so we understand both the joys and the tax surprises. We help you design smart retirement plans and coordinate your personal wealth with your business, so your financial life works together instead of at odds.
Large IRA Owners
Retirement accounts above $1M deserve specialized handling — Roth conversion ladders, RMD planning, beneficiary structures, and tax-efficient withdrawals that account for Oregon’s tax environment.
Cross-River Households
Many of our Portland metro clients live or work across the Oregon-Washington border. We plan around residency, dual-state employment, and the tax arbitrage that comes with the I-5 corridor.
Retiring Law Enforcement
Pacific Northwest police, fire, and sheriff retirees — we coordinate pension elections, deferred comp, and Social Security WEP considerations to maximize the benefits you earned.
What Makes Portland Metro Retirement Different
The Oregon-Washington border isn’t just a state line — it’s a tax line, an estate line, and for many of our clients, a planning opportunity. The Pacific Northwest professionals who get the most out of retirement are the ones who plan for the geography, not just the calendar.
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Oregon’s High Income Tax — and Washington’s None Oregon has no sales tax but one of the country’s highest top marginal income tax rates. For households near or across the Columbia River, residency planning can move the needle by tens of thousands in retirement.
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PERS, OPSRP, and Public Employee Planning Oregon PERS Tier 1, Tier 2, and OPSRP each have different rules for pension calculation, money match, and survivor benefits. The election decisions made at retirement are largely irreversible — and worth getting right.
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Oregon’s $1M Estate Tax Exemption Oregon’s estate tax kicks in at $1M — far below the federal $13M+ exemption. Many Portland metro households don’t realize they have a state estate tax problem until it’s too late to plan around it.
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Defense Corridor & Equity Compensation The Portland-Vancouver defense and tech corridor pays heavily in stock, RSUs, and ISOs. Concentrated equity is one of the most common — and most underestimated — risks in PNW retirement planning.
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Pre-65 Healthcare Bridges Oregon and Washington’s exchange dynamics make early retirement healthcare costs harder to predict than people expect. We plan the bridge to Medicare so the numbers work, not just the timing.
Trusted by Pacific Northwest Families for Over a Decade
A small sample of what long-term clients have written about working with Patrick.
“My wife and I have been working with Patrick Huey at Victory Independent Planning for close to 15 years. During that time, he has helped us manage our portfolio and greatly exceeded our expectations with the results we have achieved both in up and down markets. He has always acted in our best interest, and we trust him totally.”
This is an unpaid solicited client testimonial. This client has had a financial relationship with Patrick Huey ranging from 1 to 15+ years and is providing their personal opinion. Client testimonials do not guarantee future investment success and should not suggest that any client or prospective client will experience a higher level of investment performance. This may present a conflict of interest as this particular client’s experience may or may not be the same as another client’s experience.
“My Wife and I have been associated with Patrick and Victory Independent Planning for many years now. We are retired and have both our 401Ks under his advisement. He knows our comfort level for investments and our end goals. We both 100% recommend Patrick and Victory Independent Planning.”
This is an unpaid solicited client testimonial. This client has had a financial relationship with Patrick Huey ranging from 1 to 15+ years and is providing their personal opinion. Client testimonials do not guarantee future investment success and should not suggest that any client or prospective client will experience a higher level of investment performance. This may present a conflict of interest as this particular client’s experience may or may not be the same as another client’s experience.
Portland Metro Area
Meeting You Where It’s Convenient
Virtual meetings available
Answers for Portland Metro Clients
Common questions from people considering retirement, PERS decisions, equity comp planning, or a second opinion on their existing plan.
A fiduciary is legally required to act in your best interest at all times — not just when it’s convenient. Patrick is a CFP® professional and an Investment Advisor Representative, both of which carry a fiduciary standard. That means recommendations are made based on what’s right for you, with no hidden product commissions driving the advice.
Yes — Oregon educators and public employees are a meaningful part of our Portland metro practice. We help clients navigate Tier 1, Tier 2, and OPSRP rules, coordinate pension elections with Social Security and other retirement assets, and model the survivor benefit decisions that are largely irreversible once made. The decisions you make at PERS retirement matter for the rest of your life. We help you make them with eyes open.
Absolutely. Concentrated equity compensation is one of the most common risks in Portland metro retirement planning — especially for defense, tech, and corporate professionals. We build diversification strategies that account for tax consequences, vesting schedules, AMT exposure on ISOs, and the wash sale rules. We’ve also helped clients who held former-employer stock that had grown into a meaningful share of their net worth, developing a coherent exit plan to reduce concentration risk and better align their holdings with their overall goals.
It affects nearly every part of the plan. Oregon and Washington have profoundly different tax structures — Oregon’s no-sales-tax-but-high-income-tax model versus Washington’s no-income-tax-but-high-sales-tax model. For households near the Columbia River, where you live versus where you work changes the math on Roth conversions, retirement account distributions, equity comp, and estate planning. We coordinate the strategy across both states.
We’re fee-transparent. There are no commissions for selling proprietary products and no kickbacks on investments. The complete fee structure is provided in Dynamic Wealth Advisors’ ADV Firm Brochure, which we’ll walk through with you during your initial consultation. There are no surprises.
Absolutely. A meaningful number of our consultations are with people who already have an advisor or an existing annuity and want an independent fiduciary read on whether the plan is working. We’ll tell you honestly — including when the current plan is fine.
Patrick is an Accredited Tax Preparer (ATP), but our firm does not provide tax return filing. Instead, we focus on proactive, forward-looking tax planning as an integral part of your overall financial strategy. By coordinating our planning work with your tax preparer — rather than leaving you to translate advice between unconnected professionals — we often see one of the most consistent sources of long-term tax savings and financial clarity.
The first conversation is a no-cost, no-obligation 30–45 minute meeting — at a Portland metro office, by video, or by phone. We use the Check Six Client Discovery System™ to understand your situation, your goals, and what’s keeping you up at night. You’ll leave with clarity on whether we’re the right fit, regardless of whether we end up working together.
Plan the Retirement You Actually Want
Schedule a complimentary VIP consultation with Patrick. No cost, no obligation — just an honest conversation about where you are and where you’re going.