Clear Fees. Clear Services.  Clearly Different.

mission statement


At MyETF401(k), we will help you maximize the benefits your retirement plan offers while working to minimize the costs.  You earn your money and we believe you should keep more of it.  

meet our Founder: Doug Richards

what does it all Mean?

Married with two sons, two dogs and a cat who barely tolerates him, Doug and his family live in Western Lane County and enjoy the outdoors.  For fun Doug loves to go to Hawaii or most anywhere else where he can feel the sand between his toes and the sun on his face.
Early in his career Doug had a love of learning and questioning instilled in him.  He has completed the Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) designations from the American College as well as the Certified Financial Planner (CFP®) designation from the College of Financial Planning.  It is this love of learning and questioning that pushed Doug to develop the Four Possibilities ™ Analysis and the LTCProjector.
 In 1993 Doug Richards entered the Financial Services Industry after completing a bachelor of science degree at the University of Oregon where he majored in Economics and Political Science.  With clients throughout the Western United States Doug has a diverse practice working with individuals and institutions.   
This content has been developed by Crest Financial LLC and is believed to be accurate. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation.

The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.The fiduciary standard of care applies only to advisory services. Crest Financial LLC and Osaic Wealth are unaffiliated.

PAi Inc., BlackRock Investment ManagementLLC, Crest Financial LLC and Securities America are separate entities.  This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.

​Member FINRA/SIPC   Customer Relationship Summary

Outside of his practice Doug is heavily involved in the community.  He has served in various positions on the board of Bridgeway House since shortly after its inception back in 2003.  Doug is the Troop Committee Chair for Boy Scout Troop 54 in Veneta, and is the past president of the Greater Oregon Chapter of the Society of Financial Service Professionals and the Rotary Club of Fernridge.    
 After reviewing a number of 401(k) plans, the vast differences in fees and services inspired Doug to challenge the traditional paradigm.  “In Great Britain retirement plan fees cannot exceed three quarters of a percent and commissions are illegal.  After learning this I knew things could be different here too!” 

Clear Fees.
It's nice to know what you're paying for right?  With MyETF401(k) you will be provided with a clear breakdown and explanation of the fees for your plan.  You will only pay for the services you want and you can decide how to pay.  Manage your plan like you manage your business!

Clear Services.
For most retirement plans there is no standard of service and services vary widely from plan to plan.  With MyETF401(k) you decide from our menu of services what is appropriate for your plan.  Choose from Plan Conversion Services to help you make the change to a MyETF401(k), Plan Education Services to help your team make the most of this critical benefit you offer, or Other Plan Services to address your unique needs! 

Clearly Different.
Plain talk.  Straight forward solutions.  Delivered on time by a real person.