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As your proactive financial advisor, we stand at the forefront of your financial life—your first and last line of defense in behavioral finance, tax planning, and risk management.
— Joshua Graeff, President
One of the great lessons in business is that who you partner with matters as much as your customers. That’s why, as an independent wealth advisor, we’ve spent an incredible amount of time sifting through the marketplace, vetting potential partners until we’re confident they truly stand beside our clients, not in front of them.
While the financial services industry has faced immense credibility challenges over the years, some partners have stood the test of time, and we’ve assembled a bench with significant depth to meet our clients’ far-reaching and global needs with integrity, quality, and deliverables at the forefront of the industry.
Our continuous aim is to provide our valued clients and their loved ones with the most robust, personalized, and sustainable financial and investment advice, products, and services available industry-wide. It is and always will be an honor to serve you.
Semper Fidelis,
Joshua Graeff founded Northern Pacific Asset Management with a mission to provide exceptional, client-centric wealth management rooted in integrity and strategic insight. With over a decade of financial advisory experience, Josh combines a global perspective with a disciplined approach to help clients achieve their financial goals.
Raised in Vancouver, Washington, Josh developed a strong sense of responsibility and service while working in his family’s independent pharmacy, delivering medical equipment and prescriptions to elderly and care-facility patients. His passion for finance was sparked early by his uncle, a Piper Jaffray stockbroker, and deepened through his study of The Wall Street Journal, Benjamin Graham’s The Intelligent Investor and Securities Analysis.
Josh’s worldview was shaped by his service as a Machine Gunner in the U.S. Marine Corps Infantry, where he was deployed with the Marine Expeditionary Unit (Special Operations Capable) alongside the U.S. Navy’s 6th Fleet. Operating across the Mediterranean, Adriatic, Red Seas, and Persian Gulf, he gained valuable insights into global economics and cultural dynamics—perspectives that inform his approach to wealth management in today’s interconnected world.
After his military service, Josh studied business, economics, and international studies at Bellevue College and began his financial career in 2009 with AXA Advisors. There, he distinguished himself by advising business owners on succession planning, exit strategies, and executive compensation, while crafting tailored investment portfolios focused on sustainable competitive advantages.
In 2015, Josh established Northern Pacific Asset Management in Seattle through KMS Financial Services, which later merged into Securities America (2020) and then Osaic Wealth (2024). In 2021, he relocated the firm to Houston, Texas, drawn by the state’s robust business climate and Houston’s thriving industries, including energy, healthcare, and technology.
As a Behavioral Financial Advisor (BFA™), Josh integrates behavioral finance with holistic planning to create strategies aligned with clients’ values and goals. He is an active member of the Financial Services Institute and has been affiliated with organizations like the Veterans of Foreign Wars, Rotary International, and Seattle-area Chambers of Commerce, reflecting his commitment to professional excellence and community leadership.
Josh resides in Houston with his wife, Zhanna, with whom he shares a passion for global travel and cultural exploration. An outdoorsman at heart, he enjoys skiing, golf, hunting, shooting and overlanding in his free time.
For more such questions view the FAQ page.
Yes, BNY Mellon, N.A. offers escrow services for various purposes, including corporate mergers, public stock offerings, and capital funding campaigns.
Our Life Insurance Premium Financing allows clients to cover annual premiums and loan interest in a tax-efficient manner. The loan is secured by the life insurance policy and assets in the client’s securities account, allowing the current investment strategy to remain intact.
Yes, we provide flexible financing options for various property types, including office, retail, multi-family, and mixed-use properties. Our private bankers work closely with clients to understand their financing needs and offer customized loans and lines of credit.
The Investment Credit Line (ICL) is a flexible line of credit secured by qualifying marketable securities and liquid assets in your investment or custody accounts. It is ideal for individuals and business owners needing flexible lending options. The ICL can be used for various purposes like business expansion, estate planning, real estate investments, and tax planning, but it cannot be used to purchase or carry securities.
