Helping You Prepare for Financial Independence
A team of experienced, dedicated professionals committed to serving clients with honesty and integrity.
Janet Pack | Owner & CEO
Certified Financial Fiduciary®
With 37 years of experience working with retirees and pre-retirees, Janet specializes in complete, holistic retirement plans.
Janet understands that today's markets can be turbulent and puts an extra emphasis on ensuring returns outpace inflation, which guarantees income for life.
Janet understands Health Care and its significant risk and cost to many retirees. Therefore, Medicare and Long-term Care issues are addressed with unique and sometimes uncommon solutions. Taxes are also a unique consideration, as well as their relation to income and assets.
She has guided thousands of families thru the process of retirement and asset transference. In the advisor world she is unique, as she understands that every person has their own specific needs, goals and desires for their retirement plan. That's why she creates plans that are specifically designed for each individual client and/or situation.
Janet's main objective is to help inform her clients. She believes that knowledge equals power, and she believes in empowering her clients, so they feel confident in making the right decision for themselves and their families.
Janet acts as a fiduciary, making decisions with your best interests in mind and disclosing conflicts of interest. She is extremely accomplished with years of experience in all forms of planning for retirement.
Her Sunday radio show "Smart Retirement Radio" has topped the charts in the Seattle area for 5 years.
Mariann Montagne, CFA® | Senior Investments Analyst, Gradient Investments, LLC
Mariann has 20 plus years of working with both institutional and high net worth clients and has amassed a strong breadth of investment experience in her tenure. This experience includes company and industry sector analysis, risk monitoring and portfolio management in both the equity and fixed income markets. She is highly attuned to economic and market conditions, and has extensive experience selecting individual stocks, ETFs, and mutual funds. In addition to being a CFA, she is a member of both the CFA Society of Minnesota and the CFA Institute. Mariann’s media highlights include quotes in Barron’s, The Wall Street Journal, Fortune, NPR, Washington Post and the Chicago Tribune. She has also appeared on Bloomberg TV and Fox Business News.
Michael Binger, CFA® | Senior Portfolio Manager, Gradient Investments, LLC
Mike brings over 24 years of institutional equity investment experience to Gradient Investments and its affiliated advisors and clients. He has extensive experience working directly with financial advisors designing and actively managing portfolios. Mike has successfully invested in numerous market and economic cycles giving him a level and depth of experience that is rare in this industry. He spent more than 20 years at Thrivent Financial where he managed numerous equity funds through various economic cycles. Mike’s media highlights include numerous appearances, providing market insight on CNBC, Bloomberg TV and Bloomberg Radio.
Mike has also been quoted in The Wall Street Journal, Barron’s, Smart Money, Reuters, Business Week and numerous other local, national and global investment publications.
This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC.
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Advisors Asset Management, Inc., Senior Retirement Advisors and Janet Pack are not affiliated with or endorsed by the Social Security Administration or any government agency.
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Advisors Asset Management, Inc., Senior Retirement Advisors and Janet Pack are not affiliated with or endorsed by the Social Security Administration or any government agency.
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