# Tim Melia

> Tim Melia is a fee-only financial advisor at Embolden Financial Planning LLC in Seattle, Washington, who holds the CFP and MBA credentials. Tim charges hourly fees ($400 an hour and no asset minimum) and focuses on tax planning, retirement planning and real estate investors.

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

## Facts

- **Firm:** Embolden Financial Planning LLC
- **Based in:** Seattle, Washington
- **Fee model:** Hourly
- **Fees (firm's website):** $400 an hour; no asset minimum
- **Fees (Advice-Only Network profile):** $400 an hour
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Credentials:** CFP, MBA
- **Specialties:** Tax planning, Retirement planning, Real estate investors, Estate & legacy planning, Sustainable & impact investing
- **Works with:** Pre-retirees, Retirees, Early-career professionals
- **CRD:** 5269590 (https://adviserinfo.sec.gov/individual/summary/5269590)
- **SEC registration:** Investment adviser representative in CA, OR, TX, WA
- **Exams passed:** Series 65 (2007)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://emboldenfp.com

## About

Tim Melia runs Embolden Financial Planning, an hourly, fiduciary, advice-only firm based in Seattle. He works with people at every stage of life, from young professionals getting started, to families juggling competing priorities, to retirees in their go-go years.

Some of Tim's clients are new to money topics and want practical guidance on retirement and tax planning. Others are DIY investors looking for a second opinion. Either way, he offers transparent, hourly planning meant to bring clarity and confidence to financial decisions. Tim serves clients virtually in Washington, Oregon and California, and across the country.

## Frequently asked questions

### Is Tim Melia a fee-only financial advisor?

Yes. Tim Melia is listed in the XY Planning Network directory (XYPN members are fee-only) and the Advice-Only Network (advice-only practices, no product sales). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Tim's firm.

### How does Tim charge for financial advice?

Tim charges hourly fees.

### How much does Tim charge?

According to Embolden Financial Planning LLC's website, checked October 28, 2026: $400 an hour; no asset minimum.

### Does Tim work with clients virtually?

Yes. Embolden Financial Planning LLC says on its website that it works with clients remotely.

### Where is Tim Melia based?

Tim Melia is based in Seattle, Washington.

### What does Tim specialize in?

Tim's specialties include tax planning, retirement planning, real estate investors, estate & legacy planning and sustainable & impact investing. Tim works with pre-retirees, retirees and early-career professionals.

### What credentials does Tim Melia hold?

Tim Melia holds the CFP and MBA credentials.

### Is Tim Melia registered with the SEC?

Yes. Tim Melia is registered as an investment adviser representative in CA, OR, TX and WA (CRD 5269590), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How do I contact Tim Melia?

Through Tim's website, emboldenfp.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/tim-melia-10391): XYPN members are fee-only
- Advice-Only Network listing: advice-only practices, no product sales
- 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.emboldenfp.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.