Oregon Financial Products & Services, LLC

The firm provides portfolio management for individual clients through designated Charles Schwab accounts, charging asset‑based fees and reporting about $14.2 million in assets under management. It serves roughly 75 clients across 157 Schwab accounts and provides annual statements of values and performance as well as ongoing client access for questions and updates.

Its investment approach emphasizes diversification and generally uses exchange‑traded mutual funds, while explicitly incorporating trend‑based sector timing as part of its market‑timing strategy. The firm may be granted limited discretionary authority via a trading authorization letter to implement security selection, rebalancing and holding‑period guidance, and conducts annual reviews with clients.

Noteworthy distinctions include the adviser’s ongoing insurance‑agency activities and tax‑preparation services: the adviser is a licensed life and health insurance agent and licensed tax consultant and may receive commissions from insurance sales (disclosed to clients), which is atypical for peers. The brochure also discloses a 2023 regulatory administrative penalty and the use of market‑timing techniques, both relatively uncommon among independent advisers.