J&S Retirement Services
Senior Financial Advisor
360-833-0948 ryan@jandsretirement.com
Ryan Jensen, RICP®, RSSA®
Financial Advisor | J&S Retirement Services
Owner | J&S Tax Services LLC (DBA Retiree Tax Cuts)
Protecting what you’ve built. Helping it last. Bringing clarity to retirement.
Who I Work With
The people I work with didn’t build what they have by accident.
They worked hard. They saved when others spent. They built businesses, careers, and families. They value responsibility, independence, and keeping their word. They tend to live practical lives—trucks in the driveway, work boots by the door, weekends spent fishing, hunting, or with family. They don’t want flash. They want things done right.
Even so, as retirement approaches, it’s common to feel a mix of confidence and uncertainty. The concern is rarely whether retirement is possible—it’s whether everything they’ve built will continue to work the way they expect it to.
What Retirement Actually Demands
Retirement is not a single decision or a single moment. It’s a transition that unfolds over time and requires thoughtful coordination of income, investments, and taxes.
Income needs to be dependable. Investments must shift from accumulation to purpose. Taxes—often deferred and ignored during working years—can quietly become one of the largest threats to long-term security if left unmanaged.
Many of the people I work with did exactly what they were told to do: they saved diligently, deferred taxes, and stayed disciplined. Ironically, those good habits can create challenges later if retirement planning becomes reactive instead of intentional.
My role is to help clients move into retirement with a clear plan for income and investments—one that is flexible, durable, and designed to support the life they want—while proactively addressing the tax consequences that tend to emerge over time.
How I Work
I co-founded J&S Retirement Services to focus specifically on the retirement transition—where planning shifts from accumulation to distribution and decisions become permanent. I also own J&S Tax Services LLC, operating as Retiree Tax Cuts, where I prepare tax returns and provide advanced tax planning.
This allows income strategy, investment management, and tax planning to work together as a single, coordinated process. Rather than discussing these areas in isolation, I help clients see how each decision affects the others—now and in the years ahead.
Social Security is one example of this approach. I have helped hundreds of individuals and couples not only evaluate claiming strategies, but complete the actual enrollment and coordination—ensuring benefits align properly with income needs, investment withdrawals, healthcare decisions, and tax planning. I stay involved until decisions are executed correctly and benefits are in place, and I remain involved as life, needs, and priorities change.
The same level of care applies across retirement income planning, portfolio management, and ongoing adjustments over time.
Experience That Matters
Most people will only retire once. I have guided hundreds of individuals and families through the retirement process over nearly three decades.
For close to 29 years, my work has been devoted to this stage of life—when paychecks stop, income must be created intentionally, investments shift purpose, and tax consequences become real and permanent. Repeating this process hundreds of times creates clarity about what matters most, where problems tend to surface, and which decisions deserve extra care from the beginning.
Clients work with me because their retirement is not being handled for the first time. They value knowing their decisions are guided by experience earned across many lifetimes of retirement—and that I remain involved as their retirement unfolds, helping them adjust with confidence as circumstances change.
The Risks Most People Don’t See Until It Matters
One of the greatest threats to retirement security is not market volatility—it’s taxes.
As retirement progresses, income sources shift, required distributions increase, and filing status eventually changes. One of the most difficult examples is the widow penalty—when a surviving spouse moves from married filing jointly to single filer, often while keeping much of the same income. The result can be an unexpected increase in taxes at exactly the wrong time.
These outcomes are not rare, and they are not unpredictable. Because I’ve walked through this process with many families over many years, I help clients identify these risks early and make thoughtful adjustments over time—so fewer decisions feel rushed or reactive later.
Why People Feel Confident Working With Me
Over time, confidence grows from consistency. Clients see that I stay engaged, follow through, and take responsibility for both the planning and the execution.
For many clients, the greatest benefit isn’t just better planning—it’s the relief of knowing they don’t have to carry these decisions alone.
That confidence is why many clients refer their friends, family members, and colleagues to me. They want the people they care about to work with someone who understands this stage of life, respects the responsibility it carries, and approaches it with care and experience.
My Story
I was raised in a family where faith in God, discipline, service, and personal responsibility were part of everyday life. My father grew up milking cows and doing drywall alongside his own father from a young age, and that work ethic—rooted in faith and responsibility—carried forward into how my parents raised me. They created opportunities, set expectations, and trusted their children to grow into responsibility.
Later in life, earning the rank of Eagle Scout and serving a two-year mission for my church reinforced those same values and deepened my commitment to service and stewardship.
My wife Andrea and I were married in 1998, and through the years we’ve experienced both good seasons and hard ones. Our life together has been shaped by commitment, faith, and trust—in God, in each other, and in the covenants we’ve made. We are parents to five children, including a daughter with mosaic Down syndrome. That experience has deepened our understanding of the responsibility parents carry to plan thoughtfully for their children—both now and long after we’re gone.
Three of our five children are married, and we are grateful to be grandparents to two granddaughters. Family remains the center of our life.
At home, we tend a small farm we’ve built over time—clearing land, putting in the work, and watching it slowly take shape. There are animals to care for, trees and berries that now produce after years of effort, and always something that needs attention. Much of that work has been done alongside our children, not for appearance, but to teach responsibility, appreciation for God’s creation, and the importance of passing along values—not just convenience or comfort.
Those experiences ground how I approach my work. I understand patience, stewardship, and the responsibility of carrying something forward—not just preserving what’s been built, but preparing the next generation to care for it well.
To me, retirement reflects that same principle. It is the result of years of work, discipline, and choices made with others in mind. My role is to help ensure what’s been built continues to serve the people it was built for.
Rooted in faith, family, and service, I help clients move into retirement feeling prepared, confident, and at peace with the decisions they’ve made.
For those approaching retirement—or already in it—who want their income, investments, and tax planning handled with care and experience, the next step is simply a conversation. It’s an opportunity to ask questions, gain clarity, and decide whether working together makes sense.
Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.