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Who We Are

Terry Cole, CFP®, MBA

Advisory Associate

(800) 243-7109

When I founded Senior Financial Advisors, Inc. in 1989, my goal was to provide my clients with independent advice and world-class service. I have found that preserving capital, moderating investment risk, and maintaining purchasing power are paramount objectives to retirees, rather than simply accumulating wealth. As someone who specializes in post-retirement planning, it is not my objective to help clients get rich. Rather, my job is to help make sure they don’t ever get poor.

I am able to help my clients move towards their goals through steadfast management of their investment portfolios while also helping to minimize their exposure to risk and volatility. I primarily work with clients on a fee-basis unless, based on a client’s individual situation, it is appropriate for me to be compensated as an investment broker.  

Over the years, I have served on the Board of Directors and as President of the East King County Estate Planning Council. Through my service on the Council and my years working in this community, I have established close relationships with attorneys, CPAs, charitable giving officers, and similar professionals. When appropriate, I refer clients to these specialists for help dealing with wealth preservation.

If you are retired or nearing retirement, with investable assets of at least $500,000 please feel free to contact me for a complimentary evaluation. I can be reached toll free at (800) 243-7109. Or, email me at

James P. Furrow, CFP®

Vice President
Advisory Associate

(800) 755-5621

With over 25 years in the financial services industry, I have founded my career on the trust earned from my clients by helping them grow, manage and preserve their wealth. I recognize that each client has unique needs, goals, dreams, priorities, and time horizons. My advice—and the financial strategies I recommend—take those objectives into consideration. 

My mission is to help clients and their families achieve their lifetime and wealth transfer objectives through dedicated financial planning and superior service. I adhere to the strict code of ethics of my CERTIFIED FINANCIAL PLANNERTM Professional designation, maintaining a focus on quality, integrity, competence, and commitment.

I specialize in providing my clients with investment portfolio management, retirement plan rollover options, tax minimization, IRA and retirement plan distribution strategies, and estate planning services.
Are you retired or nearing retirement with minimum investable assets of $250,000?
Please feel free to contact me for a no cost, introductory conversation. I can be reached toll free at (800) 755-5621. Or, send me an email at

Michael Coe

Cetera Advisor Network, LLC - Branch Manager and Compliance Officer

Senior Financial Advisors, Inc. - Chief Compliance Officer

(800) 243-7109

I have been working in the financial services industry for over 15 years. Since 2007, I have served as both the Chief Compliance Officer at Senior Financial Advisors, Inc. and the Branch Manager and Compliance Officer for Cetera Advisors Networks LLC.  I see to the day to day operations of the company with the goal of providing our clients with the highest level of service.   

I attended the University of Washington, graduating in 1990 with a degree in Business Administration. Later, I completed my Master’s in Business Administration from the University of Utah in 2002.

Securities and investment advisory services offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency), member FINRA, SIPC.

This site is published for residents of the United States only. Financial Advisors of Cetera Advisor Networks may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Advisor Networks site at

Senior Financial Advisors, Inc. and Cetera Advisor Networks LLC are not affiliated.
Senior Financial Advisors, Inc. is only Registered in Washington (WA)

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