# Douglas Richards

> Douglas Richards is a fee-only financial advisor at Crest Financial in Elmira, Oregon, who holds the CFP and ChFC credentials. Douglas charges a flat fee or retainer and hourly fees and focuses on estate & legacy planning and retirement planning.

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

## Facts

- **Firm:** Crest Financial
- **Based in:** Elmira, Oregon
- **Fee model:** Flat fee or retainer; Hourly
- **Assets under management (firm):** $45.1M across 151 accounts
- **Credentials:** CFP, ChFC
- **Specialties:** Estate & legacy planning, Retirement planning
- **CRD:** 2356765 (https://adviserinfo.sec.gov/individual/summary/2356765)
- **SEC registration:** Investment adviser representative in OR
- **Exams passed:** Series 63 (1993), Series 65 (1999)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://www.crestfinancialllc.com

## Frequently asked questions

### Is Douglas Richards a fee-only financial advisor?

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

### How does Douglas charge for financial advice?

Douglas charges a flat fee or retainer and hourly fees.

### Where is Douglas Richards based?

Douglas Richards is based in Elmira, Oregon.

### What does Douglas specialize in?

Douglas's specialties include estate & legacy planning and retirement planning.

### What credentials does Douglas Richards hold?

Douglas Richards holds the CFP and ChFC credentials.

### Is Douglas Richards registered with the SEC?

Yes. Douglas Richards is registered as an investment adviser representative in OR (CRD 2356765), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Crest Financial manage?

Crest Financial reports $45.1M across 151 accounts in assets under management.

### How do I contact Douglas Richards?

Through Douglas's website, www.crestfinancialllc.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/2356765): 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://www.crestfinancialllc.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.