Janet Pack, CHFEBC
Owner & CEO

Janet Pack, President and Owner of Senior Retirement Advisors.
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With 32 years of experience working with retirees and pre-retirees, Janet is a specialist that focuses on 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 large 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. That's why she creates plans that are specifically designed for each individual client and/or situation.
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Janet's main objective is to educate 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 feels people are unique, and that every person has their own specific needs, goals and desires. That's why she creates plans that are specifically designed for each individual client and/or situation.

Janet is 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.
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Her Sunday radio show "Smart Retirement Radio" has topped the charts in the Seattle area for 5 years.

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Schedule a NO-OBLIGATION appointment with us!

Strategic Alliances

Wayne Schmidt, CFA®
Chief Investment Officer
Gradient Investments, LLC

In 2008, Wayne brought 30 years of institutional investment experience to the private clients of Gradient Investments. During his tenure at AXA Investment Managers, Wayne served as senior portfolio manager for the U.S. Investment Grade Fixed Income Team. As the lead portfolio manager, he managed $9.5 billion of fixed income assets with a variety of mandates ranging from aggregate, corporate and government bond portfolios.
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Wayne has been quoted on the subject of the global economy in numerous nationally and internationally recognized investment publications such as Bloomberg, Reuters and The Los Angeles Times. He is a Chartered Financial Analyst™ and a member of The Chartered Financial Analyst Institute and the Twin Cities Society of Security Analysts.

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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.
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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.

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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.