Kai Baker, CTBA, CLTC®

Kai Baker, CLTC® is a principal at Cash Flow Solutions LLC, serving clients in Clackamas, Oregon and throughout the Pacific Northwest. As a Safe Money Certified™ professional and Certified in Long-Term Care, Kai helps clients address the critical concerns that many retirees share: ensuring their money lasts a lifetime, protecting against market volatility, and preparing for unexpected healthcare costs. S.M.A.R.T. Retirement Tax Strategies Traditional financial planning focuses primarily on accumulating assets without considering the shifts that occur after retirement. Kai specializes in S.M.A.R.T. (Strategic Movement Around Retirement Taxation) strategies—approaches designed not just for accumulation, but for maximizing what Oregon clients can actually spend from their hard-earned savings. The key question: how much of your retirement is yours versus how much goes to the IRS? Comprehensive Retirement Income Planning Whether you're 5+ years from retirement, within 5 years, or already ...