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Umpqua Investments Review

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Umpqua Investments

Headquartered in Portland, Oregon, Umpqua Investments functions as a fee-only registered investment advisor (RIA) and affiliate of Umpqua Holdings Corporations, or Umpqua Bank. The financial advisor’s offices extend throughout Oregon, but also to Wyoming and California. The firm has more than $700 million assets under management.

Umpqua Investments Background

Umpqua Investments was founded roughly 80 years ago in Portland, Oregon, after its founders took a different approach to improving the city’s infrastructure. To develop local sewer systems and rebuild the city, the founders started selling bonds. Originally named Blakenship, Gould and Keeler, the company changed its name after joining Umpqua Holdings Corporation. Decades later, the company has numerous offices spanning across several states in the Western United States region.

What Types of Clients Does Umpqua Investments Accept?

Umpqua investments works with both high-net-worth and non-high-net-worth individuals throughout its several locations. Its client base also includes businesses, endowments, limited liability companies, trusts, corporations, partnerships and charitable organizations. The firm currently has more than 2,000 client accounts.

Umpqua Investments Minimum Account Sizes

Those looking to open an account with Umpqua Investments will need at least $25,000. The firm also offers several wrap fee sponsored programs from which its clients can choose. These include its Umpqua Wealth Advisory (UWA), Custom Choice and Private Investment Management (PIM) programs. Wrap fees are basically consolidated fee structures that investment advisors offer to ease the process of asset management. For the UWA program, the firm requires an initial opening amount of $1 million. For the PIM program, on the other hand, clients will need at least $50,000.

Services Offered by Umpqua Investments

Umpqua Investments touts on its website that they work to provide a personalized approach to each client’s financial situation by offering a variety of products and services centered around client’s needs. Its products and services include:

  • Equities
  • Mutual Funds 
    • Mutual funds and unit investment trusts (UITs)
    • Separately managed accounts
    • Discretionary portfolios
  • Annuities and Insurance
    • Fixed and variable annuities
    • Life insurance 
  • Retirement Planning
    • Financial Planning 
    • Education Planning
    • 401(k) and IRA
    • SEPs
  • Full Service Banking
    • Personal and business loans
    • Mortgage loans 
    • Certificates of deposit (CDs)
    • Money Market Accounts

Investment Philosophy

Umpqua Investment describes its investment philosophy as one that aims to create a holistic, personalized approach to investing for all of its clients. The RIA also says it prioritizes meeting each client’s specific financial needs.Through its core principles of hard work and honesty, the company offers well-rounded financial planning guidance to both individuals and businesses.  This advice typically centers around portfolio check-ups, investment planning, risk management, retirement planning or estate planning.

The company in marketing materials focuses on its belief  in implementing a fundamental and technical analysis toward its client asset management. The fundamental approach considers the value of a security by assessing the overall economy and current financial and economic factors that may influence it. From the technical level, the company works to identify market patterns to anticipate future price fluctuations. But asset allocation is also of huge importance to Umpqua Investments. They work to establish a diverse ratio of securities that compliment each investors’ risk tolerance and investing goals. Finally, to minimize risk, the company may also offer low-cost investment tools such as ETFs and mutual funds.

Fees Under Umpqua Investments

Umpqua Investments offers a range of different fees for its specified wrap fee programs. While the fee schedules vary for each, its primary wrap fee programs include Asset Adviser, Custom Choice, PIM, Fund Source, Private Advisor and UWA. Clients retain the power to terminate the advisory relationship at any time as long as they’ve presented written notice. The fees are also prorated to the date of termination.

Asset Advisor, Custom Choice, Fund Source, PIM, Private Advisor Management Fee
 $0 - $249,999  2.00%
 $250,000 - $999,999  1.75%
 $1,000,000 - $1,999,999  1.25%
 $2,000,000 - $4,999,999  1.00%
 Above $5,000,000  0.80%

 

Umpqua Wealth Advisory Management Fee
$0 - $999,999 1.00%
$1,000,000 - $4,999,999 0.80%
Above $5,000,000 0.60%

What to Watch Out For

Umpqua Investments may charge you a commission for each securities transaction the company executes. Clients may also encounter additional charges due to expenses not covered by a wrap fee program.

Umpqua Investments is a fiduciary, so the firm always has to put its clients’ interests first. In addition, its fiduciary status requires the company to make clients aware of all potential conflicts of interest, as well as full disclosure of material facts. The firm also has a few disclosures worth considering before you open an account. You can find more information on that below.

Disclosures

While the firm has no criminal disclosures, it does have a few related to investment regulation violations. In fact, the firm’s latest Form ADV lists all disclosures. In 2007, there were several instances where the firm was found with transacting business as an unregistered broker-dealer. Following one of those sanctions, the firm paid a fine and then became registered as a broker-dealer.

Opening an Account With Umpqua Investments

On its website, Umpqua Investments offers a few different options for clients looking to open an account. If you live near some of its affiliated offices in Oregon, you can either stop by the firm to speak with an advisor, or you can speak with a representative over the phone. The company also offers a digital contact form that lets prospective clients send a message to the firm. Umpqua Investments’ headquarters also provides a phone number and an email that clients can contact.

Both clients and prospective clients can also get in touch through Umpqua Assist. This service provides a network of Umpqua representatives that customers can contact with any questions. The representatives’ positions range from registered client assistants to investment consultants.

Where is Umpqua Investments Located

Umpqua Investments is headquartered in Portland, Oregon, where its main office functions in Umpqua Plaza of the city’s downtown area. The company also has other affiliated offices both in Oregon and in other states. Its Oregon presence includes Lake Oswego, Springfield, Coos Bay, Eugene and Medford. But its out-of-state offices extend to Eureka, California; Santa Rosa, California; Napa, California; Seattle, Washington and Kennewick, Washington.

Tips for Becoming a Better Investor

  • Whether you’re an experienced investor, or someone who’s just starting out, determining how to allocate your assets is nonetheless important. SmartAsset’s investment calculator can help give you an idea of how much your investments may generate over time. You’ll just need your initial investment sum, the amount and the rate at which you plan to contribute, your expected rate of return and the time you expect it to grow.
  • Investing can be overwhelming. With stock market price fluctuations, and copious investment vehicles, it can be difficult to determine which investing method works best for you. Depending on your investment goals, you may benefit from hiring a financial advisor. Financial advisors can help you determine your risk tolerance, provide investing strategies and assist with portfolio diversification. SmartAsset’s financial advisor matching tool pairs you with up to three local advisors suitable to your investing goals. 

How Many Years $1 Million Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Least
Most
Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology To determine how long a $1 million nest egg would cover retirement costs in cities across America, we analyzed data on average expenditures for seniors, cost of living and investment returns.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%. This reflects the typical return on a conservative investment portfolio. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research