# Denise Downey

> Denise Downey is a fee-only financial advisor at Financial Trex in Spokane, Washington, who holds the CFP and MBA credentials. Denise charges a percentage of assets, an ongoing planning fee and hourly fees (ongoing planning from $2,600 a year and $325 an hour).

Page: https://find.wellspent.co/advisors/denise-downey/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Financial Trex
- **Based in:** Spokane, Washington
- **Fee model:** Percentage of assets; Ongoing planning fee; Hourly
- **Fees (firm's website):** ongoing planning from $2,600 a year; $325 an hour; 0.45%–0.75% a year of assets managed
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $4.0M across 8 accounts
- **Credentials:** CFP, MBA
- **CRD:** 4238077 (https://adviserinfo.sec.gov/individual/summary/4238077)
- **SEC registration:** Investment adviser representative in ID, WA
- **Exams passed:** Series 63 (2000), Series 65 (2007)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://financialtrex.com

## Frequently asked questions

### Is Denise Downey a fee-only financial advisor?

Yes. Denise Downey is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Denise's firm.

### How does Denise charge for financial advice?

Denise charges a percentage of assets, an ongoing planning fee and hourly fees.

### How much does Denise charge?

According to Financial Trex's website, checked October 28, 2026: ongoing planning from $2,600 a year; $325 an hour; 0.45%–0.75% a year of assets managed.

### Where is Denise Downey based?

Denise Downey is based in Spokane, Washington.

### What credentials does Denise Downey hold?

Denise Downey holds the CFP and MBA credentials.

### Is Denise Downey registered with the SEC?

Yes. Denise Downey is registered as an investment adviser representative in ID and WA (CRD 4238077), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Financial Trex manage?

Financial Trex reports $4.0M across 8 accounts in assets under management.

### How do I contact Denise Downey?

Through Denise's website, financialtrex.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/38835): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://financialtrex.com/): specialties, clients served, and fees, checked October 28, 2026

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