Denise Downey
Financial Trex · Spokane, Washington
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).
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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 |
| Assets under management | $4.0M across 8 accounts |
| Credentials | CFP · MBA |
| SEC registration | Investment adviser representative in ID, WA · CRD 4238077 |
| Exams passed | Series 63 (2000) · Series 65 (2007) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | financialtrex.com |
| Profile |
How Denise's firm compares
- Ongoing planning starts at $2,600 a year, below the Washington median of $4,500 for fee-only firms that publish prices.
- The hourly rate is $325, in line with the Washington median of $300 for fee-only firms that publish prices.
- Financial Trex's average account is about $506,000, from its Form ADV (assets managed divided by 8 accounts).
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Questions about Denise
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- XY Planning Network directory listing : XYPN members are fee-only
- Financial Trex 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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