# Joshua Belcher

> Joshua Belcher is a fee-only financial advisor at Four Rivers Financial in Columbia, Missouri. Joshua focuses on retirement planning. Four Rivers Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Four Rivers Financial
- **Based in:** Columbia, Missouri
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $904.0M across 4,725 accounts
- **Specialties:** Retirement planning
- **CRD:** 6106238 (https://adviserinfo.sec.gov/individual/summary/6106238)
- **SEC registration:** Investment adviser representative in KS
- **Exams passed:** Series 66 (2012)
- **Firm size:** 18 employees
- **Disclosures:** Reported; see the SEC record
- **Website:** https://www.four-riversfinancial.com

## Frequently asked questions

### Is Joshua Belcher a fee-only financial advisor?

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

### How does Joshua charge for financial advice?

Joshua's firm, Four Rivers Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Joshua Belcher based?

Joshua Belcher is based in Columbia, Missouri.

### What does Joshua specialize in?

Joshua's specialties include retirement planning.

### Is Joshua Belcher registered with the SEC?

Yes. Joshua Belcher is registered as an investment adviser representative in KS (CRD 6106238), per SEC Investment Adviser Public Disclosure data as of October 29, 2026. The record lists disclosures; see the SEC record for details.

### How much does Four Rivers Financial manage?

Four Rivers Financial reports $904.0M across 4,725 accounts in assets under management.

### How do I contact Joshua Belcher?

Through Joshua's website, www.four-riversfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6106238): 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://four-riversfinancial.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.