James Twining
Financial Plan · Bellingham, Washington
James Twining is a fee-only financial advisor at Financial Plan in Bellingham, Washington, who holds the CFP credential. James charges a percentage of assets and an ongoing planning fee (ongoing planning from $10,000 a year and a $1,000,000 asset minimum) and focuses on estate & legacy planning and retirement planning.
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Specialties
Facts
| Firm | Financial Plan |
|---|---|
| Based in | Bellingham, Washington |
| Fee model | Percentage of assets · Ongoing planning fee |
| Fees (firm's website) | Ongoing planning from $10,000 a year · A $1,000,000 asset minimum |
| Assets under management | $1.60B across 4,049 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in TX, WA · CRD 1225894 |
| Exams passed | Series 63 (1984) |
| Firm size | 12 employees |
| Disclosures | None reported |
| Website | www.financialplaninc.com |
How James's firm compares
- Ongoing planning starts at $10,000 a year, above the Washington median of $4,500 for fee-only firms that publish prices.
- Financial Plan's average account is about $396,000, from its Form ADV (assets managed divided by 4,049 accounts).
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Questions about James
Is James Twining a fee-only financial advisor?
Yes, according to SEC records as of October 29, 2026: James holds no broker registration, and Financial Plan reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.
How does James charge for financial advice?
James charges a percentage of assets and an ongoing planning fee.
How much does James charge?
According to Financial Plan's website, checked October 30, 2026: ongoing planning from $10,000 a year; a $1,000,000 asset minimum.
Where is James Twining based?
James Twining is based in Bellingham, Washington.
What does James specialize in?
James's specialties include estate & legacy planning and retirement planning.
What credentials does James Twining hold?
James Twining holds the CFP credential.
Is James Twining registered with the SEC?
Yes. James Twining is registered as an investment adviser representative in TX and WA (CRD 1225894), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.
How much does Financial Plan manage?
Financial Plan reports $1.60B across 4,049 accounts in assets under management.
How do I contact James Twining?
Through James's website, www.financialplaninc.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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
- Financial Plan website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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