Financial advisors for people close to retirement in Washington
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.
Where to start
Chosen from what each record shows: credentials that fit this work and fees on file, one advisor per firm.
- Jeffrey Walters Advisia Financial Planning, LLC, Bellevue Holds the CFP and EA. Fees on file: hourly.
- Chris Maggio Retirement Planning Partner LLC, Seattle Holds the RICP. Fees on file: one-time planning fee.
- Keith Spencer Spencer Financial Planning, LLC, Spokane Holds the CFP. Fees on file: ongoing planning fee, one-time planning fee.
- Tim Melia Embolden Financial Planning LLC, Seattle Holds the CFP. Fees on file: hourly.
- Angela Furubotten-LaRosee Avea Financial Planning, LLC, Pasco Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee.
- 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.
Plus 36 in other cities.
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.
- CFP51% in Washington
- The CFP covers the whole transition.
- RICP1% in Washington
- The RICP focuses on turning savings into income.
- EA1% in Washington
- 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.
All 82 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Kevin Estes Kevin Estes, CFP®, CCFC, MBA is an hourly financial planner who helps tech professionals and their families live great lives. | Scaled Finance, LLC | Bellevue | CFP, MBA | Hourly, One-time planning fee |
| Tim Melia Hourly, advice-only planning for young professionals, families and retirees, from first-time guidance to second opinions for DIY investors. | Embolden Financial Planning LLC | Seattle | CFP, MBA | Hourly |
| Angela Furubotten-LaRosee | Avea Financial Planning, LLC | Pasco | CFP | Flat fee or retainer, Ongoing planning fee |
| Carlie Ransom | Equal Path Investments | Tacoma | CFP | Flat fee or retainer, Ongoing planning fee |
| Holly Davis Planning for busy families with active outdoor lives balancing competing goals, plus equity compensation guidance for tech workers. | Alta Via Financial Planning LLC | Seattle | CFP, CPA | Subscription, One-time planning fee |
| Jeffrey Walters Hourly, fee-only advice on planning, taxes and investments for DIY investors who want to keep managing their own portfolios. | Advisia Financial Planning, LLC | Bellevue | CFP, EA | Hourly |
| Christopher Christiansen | Quantum Financial Planning Services, Inc. | Spokane | CFP | Flat fee or retainer, Percentage of assets |
| Eric Smith Hourly, advice-only reviews for DIY investors who manage their own money and want a fiduciary second opinion before retirement. | Ridge Falls Financial Planning | Bellingham | CFP, MBA | Hourly |
| Joseph Hebert | trueNorth Wealth Advisors | Seattle | CFP, PhD | Percentage of assets, Ongoing planning fee |
| Keith Spencer | Spencer Financial Planning, LLC | Spokane | CFP | Ongoing planning fee, One-time planning fee |
| Ralph Ted White | Arrivity Financial Planning | Seattle | CFP, CIMA, MBA | Hourly, One-time planning fee |
| Rebecca Meats | Clear Insight Wealth Management | Spokane | CPA, AFC, CFP, ChFC | Percentage of assets, Ongoing planning fee |
| Scott Blaesing | Cascade Wealth Advisors, Inc. | Wenatchee | CFP, CPA | Ongoing planning fee |
| Randy Wall | Penn Cove Financial, LLC | Oak Harbor | CFP, MBA | Hourly, Ongoing planning fee |
| Chris Maggio Project-based retirement planning with no asset minimum for people who want to stay in the driver's seat of their decisions. | Retirement Planning Partner LLC | Seattle | RICP | One-time planning fee |
| Hayley Haslett | Lake Road Advisors | Vancouver | CFP, MS, MBA | Percentage of assets |
| Mindy Crary | Creative Money LLC | Seattle | CFP | Flat fee or retainer, One-time planning fee |
| Stacy Ployhar | 2020 Financial Planning LLC | Seattle | CFP | One-time planning fee, Percentage of assets |
| Timothy Massie | Timepiece Financial Planning, Inc. | Spokane | CFP | Percentage of assets, Hourly |
| Brian Bruggeman | Walla Walla Wealth Advisors | Walla Walla | CFP | Percentage of assets |
| Deborah Gianelli | Whole Family Financial Services | Bothell | CFP | Hourly, Percentage of assets |
| Gregory Stapp | Stapp Financial | Olympia | CFP, PFS | Percentage of assets |
| S Yeyni | Wealth-Builders | Bellevue | CFP | Percentage of assets, Hourly |
| Thomas Stapp | Stapp Financial | Olympia | CFP | Percentage of assets |
| Trey Gevers Helping Tech Employees reduce taxes, build wealth, and retire confidently | Gevers Wealth Management | Issaquah | CFA | Percentage of assets, One-time planning fee |
| Andrew Prentice | Prentice Financial Planning | Olympia | CFP | Percentage of assets, Fixed fees |
| Mark Farrelly | Cairn Wealth Management | Vancouver | CFP, ChFC | Percentage of assets, Hourly |
| Patrick Mason | Cairn Wealth Management | Vancouver | CFP | Percentage of assets, Hourly |
| Rick Prime | HFG Trust | Kennewick | CFP | Percentage of assets, Hourly |
| Robert Pearson | HFG Trust | Kennewick | CFP | Percentage of assets, Hourly |
| Saket Sengar | Better Financial Services | Federal Way | CFP | Percentage of assets, Hourly |
| William Wang | HFG Trust | Kennewick | CFP | Percentage of assets, Hourly |
| Andrew Block | Walla Walla Wealth Advisors | Walla Walla | Not listed | Percentage of assets |
| Blake Martin | Cloud Capital Management | Seattle | Not listed | Percentage of assets |
| Cherish Sutull | Blue Water Wealth | Seattle | CFP, CFA | Percentage of assets, Fixed fees |
| Dale Terwedo | TFS Advisors | Edmonds | CFP, ChFC | Percentage of assets, Hourly |
| Elaine Chan | FIOH Global Asset Management and Strategies | Tacoma | CFP | Percentage of assets, Hourly |
| Eldon Fielding-Monson | Monson Wealth Management | Kennewick | CFP | Percentage of assets, Hourly |
| Hart Williams | Cloud Capital Management | Seattle | Not listed | Percentage of assets |
| John Wilbourne | Occidental Asset Management | Bellevue | Not listed | Ongoing planning fee |
| Kathryn Kokenge | TrueWealth Financial Partners San Diego | Bellevue | CFP, CFA | Percentage of assets, Fixed fees |
| Kory Lackey | Cloud Capital Management | Seattle | Not listed | Percentage of assets |
| Laurie Klein | Kaizen Financial Advisors | Kirkland | CFP | Percentage of assets, Hourly |
| Sean Sternbach | Cloud Capital Management | Seattle | Not listed | Percentage of assets |
| Zachary Cole | Arrowstone Wealth | Malaga | CFP | Percentage of assets |
| Candace Duecker | Seneschal Family Office | Tacoma | CFP | Percentage of assets, Fixed fees |
| Chad Glover | Seneschal Family Office | Tacoma | CFP | Percentage of assets, Fixed fees |
| Jeffrey Lang | Seneschal Family Office | Tacoma | CFP | Percentage of assets, Fixed fees |
| Rebecca Stapp | Stapp Financial | Olympia | Not listed | Percentage of assets |
| Robert Deal | LifeFocus Financial Advisors | Walla Walla | Not listed | Percentage of assets, Ongoing planning fee |
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