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Are Your Roots Being Damaged?

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A 240-Foot Tree Fell—But Not Because of a Storm 🌲 What It Reveals About Your Finances

In this week’s video, we’re digging into the surprising reason a massive sequoia tree came crashing down—and what it has to do with your financial future. (Hint: it wasn’t the weather.)

It’s easy to overlook the small stuff—being underinsured, misaligned investments, outdated estate plans, emotional market decisions. But just like with that tree, what’s hidden beneath the surface can quietly weaken your foundation over time.

If you’re curious about the little habits that might be undermining your financial stability, hit play. We’ll walk through the red flags and how to stay rooted in good habits and regular reviews.

Need a second set of eyes on your plan? At Ross Financial, we’re here to help you stay grounded and confident in your financial life. Reach out anytime—we’re just a call or click away.

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Avoid the BIG MISTAKE!

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Did you know the average person makes around 35,000 decisions a day? Most are small—what to eat, what to wear. But research suggests we each face about 10 truly pivotal decisions in our lifetime.

 

At Ross Financial, one of our goals is to step in before a decision turns into a big mistake. Whether it’s financial, personal, or somewhere in between, we want to be a trusted sounding board when it really counts.

 

Take a minute to watch the short video above where I walk through a simple but powerful visual of how one wrong turn can become “the big mistake.”

 

Think of us as your personal “Google” or “ChatGPT” for major life decisions. Chances are, we’ve helped someone else face the same fork in the road—and we’re here to help you too.

 

If you’re ever unsure which way to go, reach out. We’d love to offer some perspective.

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Tired of All That Mail? Here’s What You Can Do

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Coming to you live from my kitchen this week—because that’s where the mail piles up. And after sorting through a stack that could rival a phone book, I figured it was time to talk about it.

A lot of you have been asking:
“Why am I getting so much mail from Raymond James and mutual fund companies?”

Great question. The short answer: it’s required. These notices—prospectuses, voting materials, fund updates—they legally have to be sent to you. The good news? You get to choose how.

If you’re tired of turning your recycling bin into a filing cabinet, you can opt to receive them by email instead.

I’ve included simple instructions below on how to make the switch.

And if you run into any trouble, my team’s happy to help walk you through it.

📧 Help@rossfinancialinc.com
📞 425-357-0400

Already have a Client Access portal?
Here’s how to adjust your document delivery preferences:

  1. Log in and select the Documents tab from the home page
  2. Click Change Statement Delivery Preferences

3. Use the radio buttons to select how you want to receive each document type

To reduce paper mail, we recommend setting everything to electronic delivery, except Tax Documents, which you may want to keep as paper copies.

Don’t have a Client Access portal yet? No problem.

 

Watch “Client Access Enrollment” to learn how to set up your account.

 

Click “Client Login” in the top right corner of our website. That’ll take you to the registration page where you can create your Client Access account. During the setup, you’ll have the option to choose your document delivery preferences.

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Planning for the Big Stuff—and the Churros

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We’re coming to you from the “happiest place on earth”… Disneyland! We planned for the big stuff: flights, hotel, park tickets. But what snuck up on us? The $8 churros and last-minute souvenirs.

It reminded me a lot of retirement planning. It’s easy to budget for the obvious—housing, travel, everyday expenses. But it’s the surprise costs (like taxes and inflation) that can really throw things off track.

🎥 Click above to watch. If you have questions about planning for the expected and the unexpected, we’re here to help.

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The Power of Fundamentals – Why Basics Matter in Life & Investing

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In today’s video, Matt is going back to the basics. Focusing on the fundamentals is key to success—whether in health, sports, building or investing.

It may seem simple, but overlooking the basics can lead to big mistakes.

At Ross Financial, we stay committed to the fundamentals of investing:

* Understanding your goals

* Assessing your risk

* Putting the right investments in place

✅ Our focus is always on helping you get to where you want to go. Hope this message resonates with you!

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Our Hands Are on The Wheel

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While test driving a car recently, I experienced a feature called lane centering—a system that vibrates the steering wheel and nudges you back into your lane if you drift too far. While some may find it helpful, I found it distracting.

 It reminded me of conversations with clients who ask, “Is there something more I should be doing with my investments?” Our answer? You don’t have to. That’s our job.

At Ross Financial, we are a full-service firm, dedicated to:

  • Keeping you on track with your financial goals
  • Managing risk to help you stay on course
  • Giving you confidence that our hands are on the wheel

✅ You can rely on us to navigate the road ahead.

Click the video above to watch and let us know if you have any questions.

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Bothell Office:
17921 Bothell Everett HWY, Suite # 106
Bothell, WA 98012

Phone: 425-357-0400 | Fax: 425-332-3023

Help@rossfinancialinc.com

Silverdale Office:
10049 Kitsap Mall Blvd NW #309
Silverdale, WA 98383

Phone: 360-692-1777 | Fax: 360-692-5015

Silverdale@rossfinancialinc.com

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Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Constellation Wealth Services is not a registered broker dealer and is independent of Raymond James Financial Services.

2025 Forbes Best-in-State Wealth Advisors. As a chairman’s council member, I am licensed to promote Forbes|SHOOK awards published in 2025. The Forbes Best-in-State Wealth Advisors 2025 ranking, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone and in person due diligence interviews, and quantitative data. This ranking is based upon the period from 6/30/2023 to 6/30/2024 and was released on 4/8/2025. Those advisors that are considered have a minimum of seven years of experience, and the algorithm weighs factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Out of approximately 48,944 nominations, roughly 9,722 advisors received theaward. This ranking is not indicative of an advisor’s future performance, is not an endorsement, and may not be representative of individual clients’ experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for thisaward/rating. Compensation provided for using the rating. Raymond James is not affiliated with Forbes or Shook Research, LLC. Please visit https://www.forbes.com/best-in-state-wealth-advisors/ for more info.

Matthew Ross has been named 2024 Forbes Best-In-State Wealth Advisors, developed by Shook Research, is based on the period from 6/30/2022 to 6/30/2023 and was released on 4/3/2024. 42,108 nominations were received, and 8,500 advisors won. Neither Raymond James nor any of its advisors pay a fee in exchange for this award. More: https://bit.ly/43DMgjX. Please see https://www.forbes.com/best-in-state-wealth-advisors for more info.

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