# John Chesbrough

> John Chesbrough is a fee-only financial advisor at Trail Financial Planning LLC in Bellingham, Washington, who holds the CFP credential. John charges a percentage of assets, hourly fees and a one-time planning fee (one-time plans from $3,000 and 1% a year on the first tier of assets managed) and focuses on small business owners.

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

## Facts

- **Firm:** Trail Financial Planning LLC
- **Based in:** Bellingham, Washington
- **Fee model:** Percentage of assets; Hourly; One-time planning fee
- **Fees (firm's website):** one-time plans from $3,000; 1% a year on the first tier of assets managed
- **Assets under management (firm):** $117.3M across 606 accounts
- **Credentials:** CFP
- **Specialties:** Small business owners
- **CRD:** 6104183 (https://adviserinfo.sec.gov/individual/summary/6104183)
- **SEC registration:** Investment adviser representative in WA
- **Exams passed:** Series 65 (2012)
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** https://trailfp.com

## Frequently asked questions

### Is John Chesbrough a fee-only financial advisor?

Yes. John Chesbrough is listed in 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 John's firm.

### How does John charge for financial advice?

John charges a percentage of assets, hourly fees and a one-time planning fee.

### How much does John charge?

According to Trail Financial Planning LLC's website, checked October 28, 2026: one-time plans from $3,000; 1% a year on the first tier of assets managed.

### Where is John Chesbrough based?

John Chesbrough is based in Bellingham, Washington.

### What does John specialize in?

John's specialties include small business owners.

### What credentials does John Chesbrough hold?

John Chesbrough holds the CFP credential.

### Is John Chesbrough registered with the SEC?

Yes. John Chesbrough is registered as an investment adviser representative in WA (CRD 6104183), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Trail Financial Planning LLC manage?

Trail Financial Planning LLC reports $117.3M across 606 accounts in assets under management.

### How do I contact John Chesbrough?

Through John's website, trailfp.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/john-chesbrough-11199): 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://www.trailfp.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.