# Dawna Westberg-Welch

> Dawna Westberg-Welch is a fee-only financial advisor at Four Rivers Financial in Columbia, Missouri. Dawna focuses on retirement planning. Four Rivers Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/dawna-westberg-welch/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Four Rivers Financial
- **Based in:** Columbia, Missouri
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $904.0M across 4,725 accounts
- **Specialties:** Retirement planning
- **CRD:** 5730451 (https://adviserinfo.sec.gov/individual/summary/5730451)
- **SEC registration:** Investment adviser representative in AZ, TX
- **Exams passed:** Series 63 (2009), Series 65 (2011)
- **Firm size:** 18 employees
- **Disclosures:** Reported; see the SEC record
- **Website:** https://www.four-riversfinancial.com

## Frequently asked questions

### Is Dawna Westberg-Welch a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Dawna holds no broker registration, and Four Rivers Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Dawna charge for financial advice?

Dawna's firm, Four Rivers Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Dawna Westberg-Welch based?

Dawna Westberg-Welch is based in Columbia, Missouri.

### What does Dawna specialize in?

Dawna's specialties include retirement planning.

### Is Dawna Westberg-Welch registered with the SEC?

Yes. Dawna Westberg-Welch is registered as an investment adviser representative in AZ and TX (CRD 5730451), per SEC Investment Adviser Public Disclosure data as of October 29, 2026. The record lists disclosures; see the SEC record for details.

### How much does Four Rivers Financial manage?

Four Rivers Financial reports $904.0M across 4,725 accounts in assets under management.

### How do I contact Dawna Westberg-Welch?

Through Dawna's website, www.four-riversfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5730451): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://four-riversfinancial.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.