# Timothy Vail

> Timothy Vail is a fee-only financial advisor at Vail Ridge Capital in Bellingham, Washington. Vail Ridge Capital reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/timothy-vail/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Vail Ridge Capital
- **Based in:** Bellingham, Washington
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $3.5M across 23 accounts
- **CRD:** 5626147 (https://adviserinfo.sec.gov/individual/summary/5626147)
- **SEC registration:** Investment adviser representative in WA
- **Exams passed:** Series 66 (2009)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.vailridgecapital.com

## Frequently asked questions

### Is Timothy Vail a fee-only financial advisor?

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

### How does Timothy charge for financial advice?

Timothy's firm, Vail Ridge Capital, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Timothy Vail based?

Timothy Vail is based in Bellingham, Washington.

### Is Timothy Vail registered with the SEC?

Yes. Timothy Vail is registered as an investment adviser representative in WA (CRD 5626147), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Vail Ridge Capital manage?

Vail Ridge Capital reports $3.5M across 23 accounts in assets under management.

### How do I contact Timothy Vail?

Through Timothy's website, www.vailridgecapital.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5626147): 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

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.