# Trent O'Neal

> Trent O'Neal is a fee-only financial advisor at Wayfinding Financial in Lynnwood, Washington. Trent focuses on student loans and estate & legacy planning. Wayfinding Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Wayfinding Financial
- **Based in:** Lynnwood, Washington
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $353.5M across 925 accounts
- **Specialties:** Student loans, Estate & legacy planning
- **CRD:** 5633010 (https://adviserinfo.sec.gov/individual/summary/5633010)
- **SEC registration:** Investment adviser representative in TX, WA
- **Exams passed:** Series 66 (2009)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** https://www.wayfindingfinancial.com

## Frequently asked questions

### Is Trent O'Neal a fee-only financial advisor?

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

### How does Trent charge for financial advice?

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

### Where is Trent O'Neal based?

Trent O'Neal is based in Lynnwood, Washington.

### What does Trent specialize in?

Trent's specialties include student loans and estate & legacy planning.

### Is Trent O'Neal registered with the SEC?

Yes. Trent O'Neal is registered as an investment adviser representative in TX and WA (CRD 5633010), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Wayfinding Financial manage?

Wayfinding Financial reports $353.5M across 925 accounts in assets under management.

### How do I contact Trent O'Neal?

Through Trent's website, www.wayfindingfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5633010): 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://wayfindingfinancial.com/): specialties, clients served, and fees, checked October 30, 2026

---

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