Financial services in Bellevue, built around your cash flow.
We start with cash flow because every other decision builds on it.
Cash-flow-first
Every plan starts with a monthly picture of where your money is going. Investments, insurance, and estate come after — because they work better on a foundation that's already clear.
Eastside-specialized
RSUs at Amazon or Microsoft. Boeing pension decisions. Business-owner families balancing K-1 income with personal cash flow. This is the practice we built, not a sideline.
Fee-transparent
The financial planning engagement itself is priced as a flat or hourly fee. Investments may be held in advisory (asset-based fee) or brokerage (commission) accounts at LPL Financial — your advisor walks through the capacity and the costs before any account is opened.
Who we plan for
Families who earn well, want to plan well, and want a coordinated approach.
Tech professionals at Amazon, Microsoft, Meta, and adjacent companies managing RSUs, ESPP, and mega backdoor Roth.
Boeing employees facing pension lump sum vs. annuity decisions and VIP benefit planning.
Business-owner families integrating company cash flow with personal household and tax strategy.
Pre-retirees within 10 years of retirement who need a written month-to-month income plan.
First-generation wealth builders without a family playbook — the people who'd benefit most from structure.
High-earning couples whose combined income makes tax optimization the biggest lever.
Scope of planning
What "financial planning" actually means here.
Cash-flow design
- Synthetic monthly paycheck from variable income
- Tax-reserve buckets for bonuses and RSU vests
- Household spending dashboard
Tax strategy
- Coordinated withholding elections
- Roth conversion runway planning
- Charitable bunching and donor-advised funds
Retirement income
- Social Security claiming analysis
- Pension lump sum vs. annuity decisions
- Medicare + ACA bridge planning
Investment management
- Diversified portfolio construction
- RSU / ESPP concentration rebalancing
- Tax-loss harvesting across accounts
Insurance review
- Life insurance adequacy
- Disability and long-term-care analysis
- Umbrella liability review
Estate coordination
- Beneficiary designation audit
- Trust + will referral network
- 529 and legacy giving structure
Start before you book
Free reads, no pitch.
Every one of these came out of a real planning conversation. Pick the one that matches your situation.
The Paycheck Autopsy
Where your Eastside tech paycheck actually goes.
A line-by-line breakdown of a $250K TC paycheck — federal, WA, FICA, 401(k), ESPP, HSA — with six specific plays most high earners miss.
The Cash Flow Clarity Worksheet
Turn lumpy income into a steady picture.
A fillable worksheet that maps base salary, bonus cycles, RSU vests, and quarterly estimated tax into one clean monthly dashboard — the same one Rumesh builds with clients.
The Pre-Retiree Income Map
Month-to-month retirement cash flow, age 60 to 75.
Shows how pension, Social Security, 401(k) withdrawals, HSA, and Medicare timing stack into a monthly paycheck through retirement — with the healthcare bridge and Roth conversion window called out.
The Bonus & RSU Playbook
The withholding gap is a ~10% tax surprise waiting to happen.
Five plays for RSU and bonus earners: when vests actually hit, the withholding gap math, auto-diversification rules, timing sales across tax years, and a simple post-vest checklist.
Frequently asked
Your first questions, answered honestly.
How does Rumesh charge?+
Through LPL Financial, advisory accounts are charged an asset-based fee priced based on the size and complexity of your situation. Brokerage accounts are commission-based. For one-off financial planning, Rumesh also offers an hourly engagement and a flat-fee project option, priced separately. The capacity (advisory vs brokerage) and the exact fees are discussed before any engagement begins.
Do I need $1M to work with Rumesh?+
No. Rumesh works with families at a range of asset levels. The most important qualification is that you want real cash-flow clarity, not just a product sale. If you're early in the journey, the ClarityCompass™ and Paycheck Autopsy are great starting points.
How is Rumesh different from a robo-advisor?+
Robos manage investments. Rumesh manages the financial system around your family — cash flow, tax strategy, insurance, retirement income, business integration. Investments are one output of that system, not the whole thing.
What's the first meeting actually like?+
Thirty minutes. You talk, Rumesh listens. He asks about income, pressure points, and what a win would look like 12 months from now. You leave with at least one cash-flow insight — regardless of whether you work together.
Do you provide tax advice?+
Rumesh coordinates tax strategy — withholding elections, Roth conversions, HSA + mega backdoor Roth, tax-loss harvesting, Roth vs. traditional decisions. For actual tax preparation and filing, he works alongside your CPA (or can refer one).
Do you work with Boeing / Amazon / Microsoft employees?+
Yes — regularly. Eastside tech compensation (RSUs, ESPP, 401(k) with mega backdoor, HSA) is core to his practice. So is Boeing pension decision analysis.
A real conversation, at your pace.
Thirty minutes. You talk. We listen. You leave with at least one specific move — regardless of whether we work together.
Schedule with RumeshMake confident financial decisions — one monthly read at a time.
Thoughtful insights from Rumesh Senanayake to help you feel more organized, confident, and in control of your financial life. Short. Practical. Never salesy.
- Tax-smart moves for high earners and families
- Retirement income strategy in plain English
- What’s actually worth doing this quarter
SC Financial Group
Clarity Compass
Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. SC Financial Group, LLC is not registered as a broker-dealer or investment advisor.