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Peaks Financial Financial Services

10/15/2026

Most financial success comes from decisions that don't feel important when you're making them.
The challenge is that the consequences don't show up for decades.
That's why the habits you build in your twenties often matter more than the income you earn.
Future wealth tends to be built quietly, long before anyone notices it.



Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

CSP # 1150125

10/14/2026

One of the things bull markets do exceptionally well is create confidence.
Sometimes that confidence is earned.
Sometimes it isn't.
A retirement plan should be able to withstand more than a favorable market environment.
The question I would ask is simple:
If the market dropped 20% shortly after retirement, what changes?
If you don't know the answer, that's worth exploring before the next downturn arrives.



Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

CSP # 1150124

10/12/2026

One of the challenges with retirement planning is that none of us know how long retirement will last.
What I do know is that many people are planning around average life expectancy when retirement decisions should be built around possibilities.
If one spouse reaches their nineties, which happens more often than people realize, will the plan still work?
That's a very different question than simply asking whether you can retire.



Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

CSP # 1150098

10/08/2026

One of the biggest retirement expenses isn't always the one people spend the most time planning for.
Healthcare costs tend to rise gradually, which makes them easy to underestimate.
When I review a retirement plan, one of the questions I like to ask is simple:
If healthcare costs end up being much higher than expected, does the plan still work?



Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

CSP # 1150123

10/07/2026

Are you postponing travel and other meaningful experiences until retirement?

Financial planning can help you explore when work may become optional and what your money may allow you to enjoy along the way.

Some people reach retirement ready for the adventures they delayed, only to find that their health or mobility has changed. Understanding your spending, resources, and goals may help you decide whether some of those experiences could fit into your life sooner.

Listen to the full episode of Fearless Perspectives: https://bit.ly/4AZ8ddF



Any opinions are those of Peaks Financial and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

CSP #: 1175141

10/07/2026

When people think about retirement expenses, they usually think about travel, hobbies, and housing.
Healthcare often gets pushed to the background.
That's a mistake.
The reality is that healthcare costs tend to increase as we age, and they can become one of the largest expenses in retirement.
A simple question:
If your healthcare costs were twice as high as you expect, would your plan still work?
That's worth knowing before retirement, not after.



Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

CSP # 1150122

10/06/2026

One of the biggest surprises in my career has been seeing how many people are financially prepared for retirement... but don't believe they are.
I've met people with substantial portfolios who were still convinced they needed to work longer.
Not because they were short on money.
Because they were short on clarity.
That's the number your retirement plan needs to solve.
The goal isn't to eliminate every risk.
The goal is to replace uncertainty with a plan.



Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.
CSP # 1150121

10/06/2026

Big retirement numbers make great headlines. Real retirement planning is more personal. The right number depends on spending, taxes, health, income sources, longevity, and market conditions. Targets can motivate you. Context determines whether they actually work.



Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

This is a hypothetical story and not indicative of any specific situations or client. It is presented only as an example and not intended as investment advice. Investing involves risk and there is no assurance that any investment strategy will be successful.

CSP # 1111977

10/01/2026

Many people ask if a certain portfolio number is enough to retire. The better question is whether that portfolio can reliably support your spending through taxes, inflation, healthcare costs, and market downturns. Retirement readiness is math plus reality.



Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

This is a hypothetical story and not indicative of any specific situations or client. It is presented only as an example and not intended as investment advice. Investing involves risk and there is no assurance that any investment strategy will be successful.

CSP # 1111960

09/29/2026

Net worth matters. It is just not the whole story. Wealth tied up in homes, retirement accounts, or private businesses may look impressive while offering limited flexibility. Real financial confidence often comes from liquidity, income, and options when life changes.



Any opinions are those of Kevin Campbell and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

This is a hypothetical story and not indicative of any specific situations or client. It is presented only as an example and not intended as investment advice. Investing involves risk and there is no assurance that any investment strategy will be successful.

CSP # 1111959

Address

1050 NE Hostmark Street
Poulsbo, WA
98370

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+13605641811

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