Audrey Emerson
Planning with no minimums for newlyweds, freelancers and creative millennials, usually through a four- to five-month integrated process.
AdviceOnly · Bellingham, Washington
Audrey Emerson is a fee-only financial advisor at AdviceOnly in Bellingham, Washington, who holds the CFP credential. Audrey charges a subscription, a one-time planning fee and hourly fees (subscription from $400 a month and subscription from $1,200 a quarter) and focuses on tax planning, real estate investors and retirement planning.
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Specialties
About
Audrey Emerson founded Cents of Joy Financial Planning to help newlyweds, freelancers, self-employed business owners and creative, do-it-yourself millennials trade money anxiety for a more joyful relationship with money. She has no income or asset minimums and aims to meet clients where they are, even if it is not where they want to be.
Audrey studied film and worked as a producer in social impact entertainment and corporate video. Her creative friends lacked employer benefits such as 401(k)s and affordable health insurance, and helping them find alternatives grew into a passion. She earned her CFP® certification and gained experience at Cultivating Wealth before launching her firm.
Most clients work with Audrey through a four- to five-month integrated planning process that covers their whole financial life, with occasional custom projects. A self-described Excel nerd, she lives in Bellingham, Washington, where she hikes and bikes the North Cascades.
Facts
| Firm | AdviceOnly |
|---|---|
| Based in | Bellingham, Washington |
| Fee model | Subscription · One-time planning fee · Hourly |
| Fees (Advice-Only Network profile) | Subscription from $400 a month · Subscription from $1,200 a quarter · Subscription from $4,800 a year · One-time plans from $4,800 · $400 an hour |
| Works virtually | Yes, and meets in person |
| Accepting new clients | Yes |
| Credentials | CFP |
| SEC registration | Investment adviser representative in CA, WA · CRD 7626776 |
| Exams passed | Series 65 (2022) |
| Firm size | 6 employees |
| Disclosures | None reported |
| Website | adviceonly.com |
| Profile |
How Audrey's firm compares
- Ongoing planning starts at $4,800 a year, in line with the Washington median of $4,500 for fee-only firms that publish prices.
- A one-time plan starts at $4,800, above the Washington median of $3,000 for fee-only firms that publish prices.
- The hourly rate is $400, above the Washington median of $300 for fee-only firms that publish prices.
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Questions about Audrey
Is Audrey Emerson a fee-only financial advisor?
Yes. Audrey Emerson is listed in the XY Planning Network directory (XYPN members are fee-only) and the Advice-Only Network (advice-only practices, no product sales). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Audrey's firm.
How does Audrey charge for financial advice?
Audrey charges a subscription, a one-time planning fee and hourly fees.
Does Audrey work with clients virtually?
Yes. Audrey's Advice-Only Network profile says they meet with clients virtually and in person.
Where is Audrey Emerson based?
Audrey Emerson is based in Bellingham, Washington.
What does Audrey specialize in?
Audrey's specialties include tax planning, real estate investors, retirement planning, equity compensation, estate & legacy planning and student loans.
What credentials does Audrey Emerson hold?
Audrey Emerson holds the CFP credential.
Is Audrey Emerson registered with the SEC?
Yes. Audrey Emerson is registered as an investment adviser representative in CA and WA (CRD 7626776), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How do I contact Audrey Emerson?
Through Audrey's website, adviceonly.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- Advice-Only Network listing : advice-only practices, no product sales
- AdviceOnly website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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