Lydia Lok
Financial Plan · Bellingham, Washington
Lydia Lok is a fee-only financial advisor at Financial Plan in Bellingham, Washington. Lydia 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 |
| SEC registration | Investment adviser representative in TX, WA · CRD 6583198 |
| Exams passed | Series 65 (2022) · Series 66 (2017) |
| Firm size | 12 employees |
| Disclosures | None reported |
| Website | www.financialplaninc.com |
How Lydia'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 Lydia
Is Lydia Lok a fee-only financial advisor?
Yes, according to SEC records as of October 29, 2026: Lydia 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 Lydia charge for financial advice?
Lydia charges a percentage of assets and an ongoing planning fee.
How much does Lydia 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 Lydia Lok based?
Lydia Lok is based in Bellingham, Washington.
What does Lydia specialize in?
Lydia's specialties include estate & legacy planning and retirement planning.
Is Lydia Lok registered with the SEC?
Yes. Lydia Lok is registered as an investment adviser representative in TX and WA (CRD 6583198), 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 Lydia Lok?
Through Lydia'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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