# Michelle Warner

> Michelle Warner is a fee-only financial advisor at Northern Capital in Spokane, Washington. Michelle charges a percentage of assets (1% a year on the first tier of assets managed and no asset minimum).

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

## Facts

- **Firm:** Northern Capital
- **Based in:** Spokane, Washington
- **Fee model:** Percentage of assets
- **Fees (firm's website):** 1% a year on the first tier of assets managed; no asset minimum
- **Assets under management (firm):** $918.2M across 1,866 accounts
- **CRD:** 3042903 (https://adviserinfo.sec.gov/individual/summary/3042903)
- **SEC registration:** Investment adviser representative in WA
- **Exams passed:** Series 66 (2005)
- **Firm size:** 11 employees
- **Disclosures:** None reported
- **Website:** https://northernwelcome.com

## Frequently asked questions

### Is Michelle Warner a fee-only financial advisor?

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

### How does Michelle charge for financial advice?

Michelle charges a percentage of assets.

### How much does Michelle charge?

According to Northern Capital's website, checked October 30, 2026: 1% a year on the first tier of assets managed; no asset minimum.

### Where is Michelle Warner based?

Michelle Warner is based in Spokane, Washington.

### Is Michelle Warner registered with the SEC?

Yes. Michelle Warner is registered as an investment adviser representative in WA (CRD 3042903), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Northern Capital manage?

Northern Capital reports $918.2M across 1,866 accounts in assets under management.

### How do I contact Michelle Warner?

Through Michelle's website, northernwelcome.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/3042903): 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://northernwelcome.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.