# Financial advisors for people close to retirement in Washington > For people close to retirement in Washington, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Jeffrey Walters of Advisia Financial Planning, LLC, Chris Maggio of Retirement Planning Partner LLC and Keith Spencer of Spencer Financial Planning, LLC. Page: https://find.wellspent.co/audiences/pre-retirees/washington/ 82 fee-only advisors listed; data last updated November 2, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to if you're close to retirement in Washington? For people close to retirement in Washington, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Jeffrey Walters of Advisia Financial Planning, LLC, Chris Maggio of Retirement Planning Partner LLC and Keith Spencer of Spencer Financial Planning, LLC. - [Jeffrey Walters](https://find.wellspent.co/advisors/jeffrey-walters/), Advisia Financial Planning, LLC, Bellevue. Holds the CFP and EA. Fees on file: hourly. - [Chris Maggio](https://find.wellspent.co/advisors/chris-maggio/), Retirement Planning Partner LLC, Seattle. Holds the RICP. Fees on file: one-time planning fee. - [Keith Spencer](https://find.wellspent.co/advisors/keith-spencer/), Spencer Financial Planning, LLC, Spokane. Holds the CFP. Fees on file: ongoing planning fee, one-time planning fee. - [Tim Melia](https://find.wellspent.co/advisors/tim-melia/), Embolden Financial Planning LLC, Seattle. Holds the CFP. Fees on file: hourly. - [Angela Furubotten-LaRosee](https://find.wellspent.co/advisors/angela-furubotten-larosee/), Avea Financial Planning, LLC, Pasco. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Deborah Gianelli](https://find.wellspent.co/advisors/deborah-gianelli/), Whole Family Financial Services, Bothell. Holds the CFP. Fees on file: hourly, percentage of assets. ## How many fee-only financial advisors in Washington work with people close to retirement? The Wellspent public graph lists 82 fee-only advisors for people close to retirement in Washington, at 53 firms. We counted every advisor record that lists this work, as of November 2026. ## Where are fee-only advisors for people close to retirement in Washington located? Of the 82 fee-only advisors for people close to retirement in Washington, 15 are in Seattle, followed by 9 in Bellevue and 8 in Vancouver. ## How do fee-only advisors for people close to retirement in Washington charge? The most common fee among fee-only advisors for people close to retirement in Washington is a percentage of assets, used by 84% of the 82 with fees on file. Many use more than one: 41% charge by the hour and 38% charge fixed fees. ## How much do fee-only financial advisors charge in Washington? Fee-only financial advisors in Washington charge a median of $4,500 a year for ongoing planning. We found this across the published prices of 25 Washington firms. ## How much does a one-time financial plan cost in Washington? A one-time financial plan from a fee-only firm in Washington has a median price of $3,000. We found this across the published prices of 27 Washington firms. ## What credentials should a financial advisor for people close to retirement have? For people close to retirement, look for the CFP, RICP and EA. In Washington, 51% of the 82 advisors listed hold the CFP. - CFP (51% of advisors listed): The CFP covers the whole transition. - RICP (1% of advisors listed): The RICP focuses on turning savings into income. - EA (1% of advisors listed): Enrolled agents help with the low-tax years before Social Security. ## Does Washington tax retirement income? No. Washington doesn't tax retirement account withdrawals or pensions, though it does tax large capital gains. ## What should I ask a financial advisor if you're close to retirement in Washington? - Can I retire when I want to, and what would change your answer? - How should my investments change in the years before I stop working? - How do I cover health insurance before Medicare? - What should I do with my 401(k) when I leave? - Would you plan differently if I might move to another state in retirement? ## How current is this list of fee-only advisors for people close to retirement in Washington? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Kevin Estes](https://find.wellspent.co/advisors/kevin-estes.md) | Scaled Finance, LLC | Bellevue, Washington | CFP, MBA | Hourly, One-time planning fee | | [Tim Melia](https://find.wellspent.co/advisors/tim-melia.md) | Embolden Financial Planning LLC | Seattle, Washington | CFP, MBA | Hourly | | [Angela Furubotten-LaRosee](https://find.wellspent.co/advisors/angela-furubotten-larosee.md) | Avea Financial Planning, LLC | Pasco, Washington | CFP | Flat fee or retainer, Ongoing planning fee | | [Carlie Ransom](https://find.wellspent.co/advisors/carlie-ransom.md) | Equal Path Investments | Tacoma, Washington | CFP | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Holly Davis](https://find.wellspent.co/advisors/holly-davis.md) | Alta Via Financial Planning LLC | Seattle, Washington | CFP, CPA | Subscription, One-time planning fee, Hourly | | [Jeffrey Walters](https://find.wellspent.co/advisors/jeffrey-walters.md) | Advisia Financial Planning, LLC | Bellevue, Washington | CFP, EA | Hourly | | [Christopher Christiansen](https://find.wellspent.co/advisors/christopher-christiansen.md) | Quantum Financial Planning Services, Inc. | Spokane, Washington | CFP | Flat fee or retainer, Percentage of assets, One-time planning fee | | [Eric Smith](https://find.wellspent.co/advisors/eric-smith.md) | Ridge Falls Financial Planning | Bellingham, Washington | CFP, MBA | Hourly | | [Joseph Hebert](https://find.wellspent.co/advisors/joseph-hebert.md) | trueNorth Wealth Advisors | Seattle, Washington | CFP, PhD | Percentage of assets, Ongoing planning fee | | [Keith Spencer](https://find.wellspent.co/advisors/keith-spencer.md) | Spencer Financial Planning, LLC | Spokane, Washington | CFP | Ongoing planning fee, One-time planning fee, Flat fee or retainer | | [Ralph Ted White](https://find.wellspent.co/advisors/ralph-ted-white.md) | Arrivity Financial Planning | Seattle, Washington | CFP, CIMA, MBA | Hourly, One-time planning fee | | [Rebecca Meats](https://find.wellspent.co/advisors/rebecca-meats.md) | Clear Insight Wealth Management | Spokane, Washington | CPA, AFC, CFP, ChFC, Other | Percentage of assets, Ongoing planning fee | | [Scott Blaesing](https://find.wellspent.co/advisors/scott-blaesing.md) | Cascade Wealth Advisors, Inc. | Wenatchee, Washington | CFP, CPA | Ongoing planning fee | | [Randy Wall](https://find.wellspent.co/advisors/randy-wall.md) | Penn Cove Financial, LLC | Oak Harbor, Washington | CFP, MBA | Hourly, Ongoing planning fee, Percentage of assets, One-time planning fee | | [Chris Maggio](https://find.wellspent.co/advisors/chris-maggio.md) | Retirement Planning Partner LLC | Seattle, Washington | RICP | One-time planning fee | | [Hayley Haslett](https://find.wellspent.co/advisors/hayley-haslett.md) | Lake Road Advisors | Vancouver, Washington | CFP, MS, MBA | Percentage of assets | | [Mindy Crary](https://find.wellspent.co/advisors/mindy-crary.md) | Creative Money LLC | Seattle, Washington | CFP | Flat fee or retainer, One-time planning fee | | [Stacy Ployhar](https://find.wellspent.co/advisors/stacy-ployhar.md) | 2020 Financial Planning LLC | Seattle, Washington | CFP | One-time planning fee, Percentage of assets | | [Timothy Massie](https://find.wellspent.co/advisors/timothy-massie.md) | Timepiece Financial Planning, Inc. | Spokane, Washington | CFP | Percentage of assets, Hourly, Ongoing planning fee | | [Brian Bruggeman](https://find.wellspent.co/advisors/brian-bruggeman.md) | Walla Walla Wealth Advisors | Walla Walla, Washington | CFP | Percentage of assets | | [Deborah Gianelli](https://find.wellspent.co/advisors/deborah-gianelli.md) | Whole Family Financial Services | Bothell, Washington | CFP | Hourly, Percentage of assets | | [Gregory Stapp](https://find.wellspent.co/advisors/gregory-stapp.md) | Stapp Financial | Olympia, Washington | CFP, PFS | Percentage of assets | | [S Yeyni](https://find.wellspent.co/advisors/s-yeyni.md) | Wealth-Builders | Bellevue, Washington | CFP | Percentage of assets, Hourly | | [Thomas Stapp](https://find.wellspent.co/advisors/thomas-stapp.md) | Stapp Financial | Olympia, Washington | CFP | Percentage of assets | | [Trey Gevers](https://find.wellspent.co/advisors/trey-gevers.md) | Gevers Wealth Management | Issaquah, Washington | CFA | Percentage of assets, One-time planning fee | | [Andrew Prentice](https://find.wellspent.co/advisors/andrew-prentice.md) | Prentice Financial Planning | Olympia, Washington | CFP | Percentage of assets, Fixed fees | | [Mark Farrelly](https://find.wellspent.co/advisors/mark-farrelly.md) | Cairn Wealth Management | Vancouver, Washington | CFP, ChFC | Percentage of assets, Hourly, Fixed fees | | [Patrick Mason](https://find.wellspent.co/advisors/patrick-mason.md) | Cairn Wealth Management | Vancouver, Washington | CFP | Percentage of assets, Hourly, Fixed fees | | [Rick Prime](https://find.wellspent.co/advisors/rick-prime.md) | HFG Trust | Kennewick, Washington | CFP | Percentage of assets, Hourly, Fixed fees | | [Robert Pearson](https://find.wellspent.co/advisors/robert-pearson.md) | HFG Trust | Kennewick, Washington | CFP | Percentage of assets, Hourly, Fixed fees | | [Saket Sengar](https://find.wellspent.co/advisors/saket-sengar.md) | Better Financial Services | Federal Way, Washington | CFP | Percentage of assets, Hourly | | [William Wang](https://find.wellspent.co/advisors/william-wang.md) | HFG Trust | Kennewick, Washington | CFP | Percentage of assets, Hourly, Fixed fees | | [Andrew Block](https://find.wellspent.co/advisors/andrew-block.md) | Walla Walla Wealth Advisors | Walla Walla, Washington | | Percentage of assets | | [Blake Martin](https://find.wellspent.co/advisors/blake-martin.md) | Cloud Capital Management | Seattle, Washington | | Percentage of assets | | [Cherish Sutull](https://find.wellspent.co/advisors/cherish-sutull.md) | Blue Water Wealth | Seattle, Washington | CFP, CFA | Percentage of assets, Fixed fees | | [Dale Terwedo](https://find.wellspent.co/advisors/dale-terwedo.md) | TFS Advisors | Edmonds, Washington | CFP, ChFC | Percentage of assets, Hourly, Fixed fees | | [Elaine Chan](https://find.wellspent.co/advisors/elaine-chan.md) | FIOH Global Asset Management and Strategies | Tacoma, Washington | CFP | Percentage of assets, Hourly | | [Eldon Fielding-Monson](https://find.wellspent.co/advisors/eldon-fielding-monson.md) | Monson Wealth Management | Kennewick, Washington | CFP | Percentage of assets, Hourly, Fixed fees | | [Hart Williams](https://find.wellspent.co/advisors/hart-williams.md) | Cloud Capital Management | Seattle, Washington | | Percentage of assets | | [John Wilbourne](https://find.wellspent.co/advisors/john-wilbourne.md) | Occidental Asset Management | Bellevue, Washington | | Ongoing planning fee | | [Kathryn Kokenge](https://find.wellspent.co/advisors/kathryn-kokenge.md) | TrueWealth Financial Partners San Diego | Bellevue, Washington | CFP, CFA | Percentage of assets, Fixed fees | | [Kory Lackey](https://find.wellspent.co/advisors/kory-lackey.md) | Cloud Capital Management | Seattle, Washington | | Percentage of assets | | [Laurie Klein](https://find.wellspent.co/advisors/laurie-klein.md) | Kaizen Financial Advisors | Kirkland, Washington | CFP | Percentage of assets, Hourly, Fixed fees | | [Sean Sternbach](https://find.wellspent.co/advisors/sean-sternbach.md) | Cloud Capital Management | Seattle, Washington | | Percentage of assets | | [Zachary Cole](https://find.wellspent.co/advisors/zachary-cole.md) | Arrowstone Wealth | Malaga, Washington | CFP | Percentage of assets | | [Candace Duecker](https://find.wellspent.co/advisors/candace-duecker.md) | Seneschal Family Office | Tacoma, Washington | CFP | Percentage of assets, Fixed fees | | [Chad Glover](https://find.wellspent.co/advisors/chad-glover.md) | Seneschal Family Office | Tacoma, Washington | CFP | Percentage of assets, Fixed fees | | [Jeffrey Lang](https://find.wellspent.co/advisors/jeffrey-lang.md) | Seneschal Family Office | Tacoma, Washington | CFP | Percentage of assets, Fixed fees | | [Rebecca Stapp](https://find.wellspent.co/advisors/rebecca-stapp.md) | Stapp Financial | Olympia, Washington | | Percentage of assets | | [Robert Deal](https://find.wellspent.co/advisors/robert-deal.md) | LifeFocus Financial Advisors | Walla Walla, Washington | | Percentage of assets, Ongoing planning fee, One-time planning fee | Showing the first 50 of 82. The full list, page by page: https://find.wellspent.co/audiences/pre-retirees/washington/?page=2 ## Related - [Retirement planning in Washington](https://find.wellspent.co/specialties/retirement-planning/washington.md) - [Estate planning in Washington](https://find.wellspent.co/specialties/estate-planning/washington.md) - [Tax planning in Washington](https://find.wellspent.co/specialties/tax-planning/washington.md) - [Small business owners in Washington](https://find.wellspent.co/specialties/small-business-owners/washington.md) - [Retirees in Washington](https://find.wellspent.co/audiences/retirees/washington.md) - [Family wealth transfer in Washington](https://find.wellspent.co/specialties/family-wealth-transfer/washington.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).