# Troy Crutcher

> Troy Crutcher is a fee-only financial advisor at McIlrath | Eck in Arlington, Washington, who holds the CFP credential. Troy charges a percentage of assets, hourly fees and a one-time planning fee (one-time plans from $450 and $400 an hour) and focuses on retirement planning and estate & legacy planning.

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

## Facts

- **Firm:** McIlrath | Eck
- **Based in:** Arlington, Washington
- **Fee model:** Percentage of assets; Hourly; One-time planning fee
- **Fees (firm's website):** one-time plans from $450; $400 an hour
- **Assets under management (firm):** $1.36B across 4,037 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Estate & legacy planning
- **CRD:** 5572491 (https://adviserinfo.sec.gov/individual/summary/5572491)
- **SEC registration:** Investment adviser representative in WA
- **Exams passed:** Series 66 (2009)
- **Firm size:** 19 employees
- **Disclosures:** None reported
- **Website:** https://www.mcilratheck.com

## Frequently asked questions

### Is Troy Crutcher a fee-only financial advisor?

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

### How does Troy charge for financial advice?

Troy charges a percentage of assets, hourly fees and a one-time planning fee.

### How much does Troy charge?

According to McIlrath | Eck's website, checked October 30, 2026: one-time plans from $450; $400 an hour.

### Where is Troy Crutcher based?

Troy Crutcher is based in Arlington, Washington.

### What does Troy specialize in?

Troy's specialties include retirement planning and estate & legacy planning.

### What credentials does Troy Crutcher hold?

Troy Crutcher holds the CFP credential.

### Is Troy Crutcher registered with the SEC?

Yes. Troy Crutcher is registered as an investment adviser representative in WA (CRD 5572491), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does McIlrath | Eck manage?

McIlrath | Eck reports $1.36B across 4,037 accounts in assets under management.

### How do I contact Troy Crutcher?

Through Troy's website, www.mcilratheck.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5572491): 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://www.mcilratheck.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.