# Todd Downing

> Todd Downing is a fee-only financial advisor at Financial Counsel in Surprise, Arizona, who holds the ChFC credential. Financial Counsel reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Financial Counsel
- **Based in:** Surprise, Arizona
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $57.1M across 182 accounts
- **Credentials:** ChFC
- **CRD:** 1527879 (https://adviserinfo.sec.gov/individual/summary/1527879)
- **SEC registration:** Investment adviser representative in AZ, TX
- **Exams passed:** Series 63 (1986)
- **Firm size:** 1 employee
- **Disclosures:** None reported

## Frequently asked questions

### Is Todd Downing a fee-only financial advisor?

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

### How does Todd charge for financial advice?

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

### Where is Todd Downing based?

Todd Downing is based in Surprise, Arizona.

### What credentials does Todd Downing hold?

Todd Downing holds the ChFC credential.

### Is Todd Downing registered with the SEC?

Yes. Todd Downing is registered as an investment adviser representative in AZ and TX (CRD 1527879), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Financial Counsel manage?

Financial Counsel reports $57.1M across 182 accounts in assets under management.

### How do I contact Todd Downing?

Contact details aren't on file yet. Search for Financial Counsel.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/1527879): 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.