Crest Financial LLC is a state of Oregon Registered Investment Adviser. This website is intended to be general in nature and should not be construed to be financial or investment advice. The information provided here is for guidance and informational purposes only. Investments involve risk and are not guaranteed. This website and information are not intended to provide tax or legal advice and you should consult with your tax and legal professionals about your unique situation.
Crest Financial LLC is not affiliated with or compensated by any of the organizations linked to this site. For additional information please contact us.
Clear Fees. Clear Services. Clearly Different.® and My ETF 401(k)® are registered services marks of Crest Financial LLC. All rights reserved.
Copyright 2025
Clear Fees. Clear Services. Clearly Different.®
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.
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. 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!” 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.
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!
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.