Tallus Capital Management

Tallus Capital Management You've saved consistently and built a solid career. But that's not the same as having a plan that ties it together. Let's figure out what's next.

We help you build one: retirement planning, estate planning, and aligning your money with your goals.

The HSA is one of the most underused accounts in personal finance. It is also the only account with a triple tax advanta...
08/26/2026

The HSA is one of the most underused accounts in personal finance. It is also the only account with a triple tax advantage.

Contributions go in pre-tax. The money grows tax-free. And withdrawals are tax-free when used for qualified medical expenses.

In 2026, you can contribute up to $4,400 for individual coverage or $8,750 for a family. If you are 55 or older, you can add another $1,000 on top of that.

After age 65, you can use the funds for anything, similar to a traditional IRA, paying ordinary income tax on non-medical withdrawals.

To be eligible, you need to meet four conditions: you must be enrolled in a qualifying high-deductible health plan, not be covered by any other health insurance, not yet enrolled in Medicare, and not be claimed as a dependent on someone else's return.

For people who can pay current medical costs out of pocket and let the HSA grow, it becomes a powerful retirement savings tool on top of its intended purpose.

Bottom line: With a strong earnings season behind us and the market still near all-time highs, this pullback puts things...
08/25/2026

Bottom line: With a strong earnings season behind us and the market still near all-time highs, this pullback puts things in perspective, though rising bond yields are worth watching.

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He had done the work.Maxed his 401(k) for fifteen years. Opened a brokerage account in his 40s. Rolled over an old IRA w...
08/21/2026

He had done the work.

Maxed his 401(k) for fifteen years. Opened a brokerage account in his 40s. Rolled over an old IRA when he changed jobs. Had some cash sitting in a high-yield savings account he never quite got around to investing.

Four accounts. No real picture.

When he came in, he was not worried. He knew he had done the right things. He just had no idea how it all added up, or whether the pieces were working together toward anything specific.

That is more common than people think. Accumulating is one skill. Coordinating is another.

We spent the first meeting just mapping it out. Where everything was, what it was doing, and what it was actually for.

He said afterward that it was the first time the whole thing had made sense to him.

That is a good place to start.

08/19/2026

Beneficiary designations override your will.

Many people assume their estate plan is complete once the will is signed. It is not.

Beneficiary designations on retirement accounts, life insurance, and bank accounts pass directly to whoever is named on the form. Your will has no say over them.

That is not a flaw in the law. It is simply how these accounts work. But it becomes a real problem when the named beneficiary is an ex-spouse, a deceased parent, or someone whose circumstances have changed significantly.

We see this often. A client's overall plan looks solid, then we review the beneficiary designations and find forms that have not been updated in 15 years.

The fix is usually straightforward. A review every few years, or after any major life event, is often all it takes.

Bottom line: Inflation continues to ease, and corporate earnings are holding up, a combination that has kept this market...
08/17/2026

Bottom line: Inflation continues to ease, and corporate earnings are holding up, a combination that has kept this market's momentum intact.

They were both in their early 50s, good incomes, maxing out their 401(k)s every year. By most measures, they were doing ...
08/14/2026

They were both in their early 50s, good incomes, maxing out their 401(k)s every year. By most measures, they were doing everything right.

But when we sat down together, neither of them could answer a simple question: what does retirement actually look like for us?

Not the savings balance. The actual life. When do we stop working? What does income look like? What happens to our taxes when the paychecks stop and the distributions start?

They had been saving for decades without a picture of what they were saving toward.

That is more common than most people admit.

We spent time building that picture. Income, taxes, spending, legacy. A plan that connected all the pieces they already had in place.

They left with more confidence than any account balance had ever given them.

If you have done the work of saving but are not sure where it is taking you, that is exactly where we start.

Most people have a general sense of where they stand financially.A general sense isn't the same as actually knowing.Toda...
08/14/2026

Most people have a general sense of where they stand financially.

A general sense isn't the same as actually knowing.

Today is National Financial Awareness Day. Not a major holiday, just a good reason to ask yourself a few honest questions. Do you know what you're spending? Whether you're actually on track for retirement? What your tax situation looks like?

Awareness is where a good plan starts.

If you're not totally sure of the answers, that's worth paying attention to.

08/12/2026

If you own a business and your only retirement plan is the business itself, you are not alone. But there is a real cost to waiting.

A SEP-IRA lets you contribute up to 25% of net self-employment income, with a 2026 limit of $72,000. A Solo 401(k) goes further: you contribute as both employee and employer, with a combined limit that also reaches $72,000 in 2026. The difference is that the Solo 401(k) lets you reach that ceiling at a lower income level, because the employee deferral piece fills the gap.

The part most people miss: every year without a plan is a year of compounding you do not get back. A business that has grown in value is an asset. It is not the same as a diversified retirement account, and it cannot be easily converted to income on your timeline.

We work with business owners in Oregon to build a retirement strategy that fits around the business, not just inside it.

Bottom line: It was a strong week for markets, driven by earnings, AI momentum, and easing geopolitical pressure, though...
08/10/2026

Bottom line: It was a strong week for markets, driven by earnings, AI momentum, and easing geopolitical pressure, though the path on rates is not yet settled.

Address

Oregon City, OR

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

Telephone

+15036554505

Website

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