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8 North State Street, Suite 300, Lake Oswego, OR 97034

(253) 313-1992
dustin.marlett@raymondjames.com
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At State & Shore, we believe that thoughtful decisions come from thoughtful conversations. A financial second opinion gives you the opportunity to take a fresh look at your current financial plans and assess if they still reflect your values, needs, and long-term goals. Whether you're currently working with an advisor or managing things on your own, it’s completely natural to want another set of eyes on something as important as your future.

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Why Consider a Financial Second Opinion?

Life changes. So do markets, priorities, and goals. Getting a second opinion doesn’t mean something is wrong—it’s about making sure everything still fits. Many people seek out financial planning services simply to confirm they’re heading in the right direction or to explore new possibilities they hadn’t yet considered.

You might consider a financial second opinion if:

  • You’re unsure whether your current financial plan reflects your evolving goals
  • Market fluctuations have made you question your risk comfort level
  • You're wondering if your investments still align with your lifestyle and timeline
  • You’re facing a big decision and want another perspective before moving forward

What Our Second Opinion Process Includes


Our approach is comprehensive, collaborative, and entirely focused on your unique situation. We review how the different pieces of your personal financial planning strategy connect—not just your investments, but also your tax outlook, estate structure, and risk approach.

Investment Strategy Review

We assess your current strategy and help you understand how your asset mix reflects your tolerance for risk and timeline. Are your investments positioned in a way that feels right for you today—not just when the plan was first created?

Estate and Asset Considerations

A second opinion often uncovers how estate plans and asset protection strategies can better support your financial vision. We review how trusts, ownership structures, and long-term planning might be aligned—or disconnected—from your current goals.

Tax Strategy Awareness

We examine your plan through a tax-aware lens, including potential opportunities like Roth conversions or rebalancing strategies. Sometimes, small adjustments in how your assets are structured can lead to more flexibility and confidence over time.

What Sets Our Review Apart

Our goal isn’t to replace your current advisor or push a one-size-fits-all solution. We’re here to offer unbiased, thoughtful insight based on your real-life situation. A second opinion from State & Shore is simply a chance to slow down, zoom out, and ask the right questions—together.

Many of the people we work with find reassurance in their existing plans. Others discover small gaps or overlooked opportunities. Either way, the process is empowering and entirely your own.

Frequently Asked Questions

How often should I get a financial second opinion?

It’s helpful to review your financial plan every few years, or after major life events such as retirement, a career change, or receiving an inheritance.

Will this affect my relationship with my current advisor?

Not at all. A second opinion can actually support the work you’re already doing with an advisor and provide additional clarity.

What should I bring to the review?

Gather any recent account statements, your written financial plan, tax

Let’s Start the Conversation

If you’ve been wondering whether your current financial path still fits where life is taking you, now is a good time to check in. A financial second opinion is simply a conversation—one that can give you more clarity, more alignment, and more peace of mind.

Looking for a financial consultant near me? We’re here to help. Contact State & Shore to schedule your second opinion and explore what’s next—on your terms.

Unless certain criteria are met, Roth IRA owners must be 59½ or older and have held the IRA for five years before tax-free withdrawals are permitted. Additionally, each converted amount may be subject to its own five-year holding period. Converting a traditional IRA into a Roth IRA has tax implications. Investors should consult a tax advisor before deciding to do a conversion.

Any opinions are those of State and Shore and not necessarily those of Raymond James. This material is being provided for information purposes only and is not a complete description, nor is it a recommendation. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional. Keep in mind that there is no assurance that any investment strategy will ultimately be successful or profitable nor protect against a loss.