Lettin Wealth Management Group, Inc
What If Work Became Optional?
At Lettin Wealth Management Group, Inc one of the first things we do is help you Replace Your Paycheck. Through research-driven strategies, we develop sustainable, tax-efficient retirement income plans that are built to Replace Your Paycheck when the time is right—giving you the confidence to ask, "What if work became optional?"
– It's Possible –
Why the Transition Into Retirement Is Different
Retirement Planning That Goes Beyond the Portfolio
The most overlooked moment in financial planning is the one right before retirement: the transition from accumulation to distribution. You've spent decades building savings. The question now is how to convert them into income that lasts, without overpaying in taxes, withdrawing too much too fast, or leaving your plan dependent on market timing.
Lettin Wealth has been working through that transition with families in this community as a fiduciary financial advisor since 1987. Robert Lettin, MBA, holds Series 7, 24, and 63 licenses and brings a documented process to every client relationship.
Our Services
Three Service Lanes Designed to Work Together
Our three service lanes cover every dimension of retirement planning. Each is distinct, each affects the others, and each comes with a team that has been coordinating these decisions together for decades.
Investment Management
We build client portfolios using Modern Portfolio Theory through three vetted money managers: Matson Money, Efficient Advisors, and Index Fund Advisors. Portfolio construction is coordinated directly with your retirement income plan and tax strategy, so every investment decision accounts for what the others need.
Retirement & Financial Planning
Our Replace Your Paycheck framework gives you a structured plan for converting savings into a retirement paycheck. At the center of it is the 25/4 Rule, a withdrawal rate methodology grounded in research from Trinity University, designed to show you what your income can realistically sustain over a long retirement.
Tax Management & Retirement Distribution Planning
Distribution decisions made without a tax strategy can cost significantly more than most people expect. We coordinate Roth conversions, required minimum distributions, and withdrawal sequencing across your accounts to reduce your lifetime tax burden, not just your current-year bill.
The Replace Your Paycheck Workbook
Know Your Number Before You Need It
The Replace Your Paycheck Workbook walks through the same framework we use with clients, including the 25/4 Rule withdrawal calculation and the retirement income variables most people don't think about until it's too late. It's free, it's written in plain English, and it's built so you can work through your own numbers before we ever sit down together.
Your Paycheck Number
Find out exactly how much monthly income your current savings can realistically support in retirement.
The 25/4 Rule
Learn the research-backed withdrawal rate we use to build retirement income plans that are designed to last.
Tax-Smart Withdrawals
Understand how the order and timing of your withdrawals affects how much of your income you actually keep.
Your Income Map
Walk away with a clear picture of where your retirement income comes from and how long it can sustain you.
Your Retirement Gaps
Identify the holes in your current plan before they become problems — income shortfalls, tax exposure, or distribution timing you haven't accounted for yet.
Free Educational Resources
We Publish Our Process. Read It, Watch It, Listen to It.
Our podcast and YouTube video library cover retirement income planning, tax strategy, and investment management in plain language. They are built around the same thinking we bring to every client engagement, so you can evaluate our approach and decide whether it fits how you think before you ever schedule a call.
Our Community, Our History
Serving Lake Oswego, Portland, and Bridgeport for Decades
Lettin Wealth is headquartered in Lake Oswego and has served clients across Portland and the Bridgeport and Tigard area since 1987. Our team brings a continuity of relationship and process that larger regional firms are rarely structured to offer.
Robert Lettin, MBA, founded the practice on fiduciary accountability and a planning process built around what retirement income actually requires. Patty and Jaime round out a team that knows most of our clients by name. Get the full story on our About page, or meet the whole team on our Team page.
Have Questions? We Have Answers.
Take the First Step Toward a Retirement Income Plan
A first conversation costs nothing and puts a number to the question most pre-retirees are carrying but haven't answered yet: how much do I actually have, and will it last? Download the free workbook to start on your own, or schedule a call and we'll work through it together.