# Fee-only financial advisors in Bellingham, Washington > Start with a fee-only advisor in Bellingham whose record matches what you need, then check their fees and SEC record before you call. Records to start with include Gabriel Twining of Financial Plan, Kelly Brown of Brown PCFO and Tor Benson of Streamline Advisory, chosen for their credentials and fees on file. Page: https://find.wellspent.co/locations/us/washington/bellingham/ 41 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which fee-only financial advisor should I talk to in Bellingham? Start with a fee-only advisor in Bellingham whose record matches what you need, then check their fees and SEC record before you call. Records to start with include Gabriel Twining of Financial Plan, Kelly Brown of Brown PCFO and Tor Benson of Streamline Advisory, chosen for their credentials and fees on file. ## How many fee-only advisors in Bellingham are there? The Wellspent public graph lists 41 fee-only advisors in Bellingham, at 16 firms. We counted every advisor record that fits, as of October 2026. ## What do fee-only advisors in Bellingham focus on? The most common focus among fee-only advisors in Bellingham is retirement planning (20), followed by estate planning (15) and sustainable investing (4). Advisors can list more than one. ## How do fee-only advisors in Bellingham charge? The most common fee among fee-only advisors in Bellingham is a percentage of assets, used by 93% of the 41 with fees on file. Many use more than one: 56% charge by the hour and 34% charge an ongoing planning fee. ## 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 many fee-only advisors in Bellingham hold the CFP? 41% of the 41 fee-only advisors in Bellingham hold the CFP certification, based on the credentials listed on each record. ## Does Washington tax income? Washington doesn't tax wages, but it does tax large long-term capital gains, which matters when you sell stock or a business. ## How current is this list of fee-only advisors in Bellingham? 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 | |---|---|---|---|---| | [Audrey Emerson](https://find.wellspent.co/advisors/audrey-emerson.md) | AdviceOnly | Bellingham, Washington | CFP | Subscription, One-time planning fee, Hourly | | [Eric Smith](https://find.wellspent.co/advisors/eric-smith.md) | Ridge Falls Financial Planning | Bellingham, Washington | CFP, MBA | Hourly | | [Elizabeth Snyder](https://find.wellspent.co/advisors/elizabeth-snyder.md) | Trail Financial Planning LLC | Bellingham, Washington | CFP | Percentage of assets, Hourly, One-time planning fee | | [John Chesbrough](https://find.wellspent.co/advisors/john-chesbrough.md) | Trail Financial Planning LLC | Bellingham, Washington | CFP | Percentage of assets, Hourly, One-time planning fee | | [Kelly Brown](https://find.wellspent.co/advisors/kelly-brown.md) | Brown PCFO | Bellingham, Washington | CFP | Percentage of assets, Hourly, One-time planning fee | | [Andrew Zender](https://find.wellspent.co/advisors/andrew-zender.md) | Financial Plan | Bellingham, Washington | CFP | Percentage of assets, Ongoing planning fee | | [David Dick](https://find.wellspent.co/advisors/david-dick.md) | Financial Plan | Bellingham, Washington | CFP | Percentage of assets, Ongoing planning fee | | [Gabriel Twining](https://find.wellspent.co/advisors/gabriel-twining.md) | Financial Plan | Bellingham, Washington | CFP | Percentage of assets, Ongoing planning fee | | [James Twining](https://find.wellspent.co/advisors/james-twining.md) | Financial Plan | Bellingham, Washington | CFP | Percentage of assets, Ongoing planning fee | | [Justin Gross](https://find.wellspent.co/advisors/justin-gross.md) | Financial Plan | Bellingham, Washington | CFP | Percentage of assets, Ongoing planning fee | | [Kelsey Martin](https://find.wellspent.co/advisors/kelsey-martin.md) | Financial Plan | Bellingham, Washington | CFP | Percentage of assets, Ongoing planning fee | | [Nathan Twining](https://find.wellspent.co/advisors/nathan-twining.md) | Financial Plan | Bellingham, Washington | CFP | Percentage of assets, Ongoing planning fee | | [William Wolf](https://find.wellspent.co/advisors/william-wolf.md) | Financial Plan | Bellingham, Washington | CFP | Percentage of assets, Ongoing planning fee | | [Tor Benson](https://find.wellspent.co/advisors/tor-benson.md) | Streamline Advisory | Bellingham, Washington | CFP | One-time planning fee | | [Dillon Quintana](https://find.wellspent.co/advisors/dillon-quintana.md) | Financial Plan | Bellingham, Washington | | Percentage of assets, Ongoing planning fee | | [Levi Westra](https://find.wellspent.co/advisors/levi-westra.md) | Financial Plan | Bellingham, Washington | | Percentage of assets, Ongoing planning fee | | [Lydia Lok](https://find.wellspent.co/advisors/lydia-lok.md) | Financial Plan | Bellingham, Washington | | Percentage of assets, Ongoing planning fee | | [Mailinh Vu](https://find.wellspent.co/advisors/mailinh-vu.md) | Financial Plan | Bellingham, Washington | | Percentage of assets, Ongoing planning fee | | [Meg Bartelt](https://find.wellspent.co/advisors/meg-bartelt.md) | Flow Financial Planning | Bellingham, Washington | CFP, MSFP, RICP | Percentage of assets, Fixed fees | | [Quinn Vicars](https://find.wellspent.co/advisors/quinn-vicars.md) | Financial Plan | Bellingham, Washington | | Percentage of assets, Ongoing planning fee | | [Adam Van Ness](https://find.wellspent.co/advisors/adam-van-ness.md) | Northwest Straits Financial Services | Bellingham, Washington | | Percentage of assets, Hourly, Ongoing planning fee, One-time planning fee | | [Tyler Ryan](https://find.wellspent.co/advisors/tyler-ryan.md) | Capstone RIA | Bellingham, Washington | | Percentage of assets | | [David Schneider](https://find.wellspent.co/advisors/david-schneider.md) | Waycross Investment Management Company | Bellingham, Washington | | Percentage of assets, Hourly | | [Joseph Fleischmann](https://find.wellspent.co/advisors/joseph-fleischmann.md) | Multnomah Group | Bellingham, Washington | | Percentage of assets, Hourly, Fixed fees | | [Lino Marioni](https://find.wellspent.co/advisors/lino-marioni.md) | Waycross Investment Management Company | Bellingham, Washington | | Percentage of assets, Hourly | | [Luther Hodges](https://find.wellspent.co/advisors/luther-hodges.md) | Waycross Investment Management Company | Bellingham, Washington | | Percentage of assets, Hourly | | [Michael Ryan](https://find.wellspent.co/advisors/michael-ryan.md) | Waycross Investment Management Company | Bellingham, Washington | | Percentage of assets, Hourly | | [Bryant Engebretson](https://find.wellspent.co/advisors/bryant-engebretson.md) | Tradewinds Capital Management | Bellingham, Washington | CFP, ChFC | Percentage of assets, Hourly, Fixed fees | | [Kyle Jackson](https://find.wellspent.co/advisors/kyle-jackson.md) | Tradewinds Capital Management | Bellingham, Washington | CFP, ChFC | Percentage of assets, Hourly, Fixed fees | | [Christopher Lang](https://find.wellspent.co/advisors/christopher-lang.md) | Tradewinds Capital Management | Bellingham, Washington | CFA | Percentage of assets, Hourly, Fixed fees | | [Adam Visser](https://find.wellspent.co/advisors/adam-visser.md) | West Invest | Bellingham, Washington | | Percentage of assets, Fixed fees | | [Amy Brown](https://find.wellspent.co/advisors/amy-brown.md) | Tradewinds Capital Management | Bellingham, Washington | | Percentage of assets, Hourly, Fixed fees | | [Azita Simler](https://find.wellspent.co/advisors/azita-simler.md) | Tradewinds Capital Management | Bellingham, Washington | | Percentage of assets, Hourly, Fixed fees | | [Brian Smith](https://find.wellspent.co/advisors/brian-smith-3149295.md) | Bellingham Capital | Bellingham, Washington | | Percentage of assets, Hourly | | [Casey Lederer](https://find.wellspent.co/advisors/casey-lederer.md) | Trail Financial Planning | Bellingham, Washington | | Percentage of assets, Hourly | | [Eric Petersen](https://find.wellspent.co/advisors/eric-petersen.md) | Bellingham Capital | Bellingham, Washington | | Percentage of assets, Hourly | | [Justin Slagle](https://find.wellspent.co/advisors/justin-slagle.md) | Tradewinds Capital Management | Bellingham, Washington | | Percentage of assets, Hourly, Fixed fees | | [Kerri Russ](https://find.wellspent.co/advisors/kerri-russ.md) | Bellingham Capital | Bellingham, Washington | | Percentage of assets, Hourly | | [Lucille Dobson](https://find.wellspent.co/advisors/lucille-dobson.md) | Bellingham Capital | Bellingham, Washington | | Percentage of assets, Hourly | | [Luke Smith](https://find.wellspent.co/advisors/luke-smith-7964538.md) | West Invest | Bellingham, Washington | | Percentage of assets, Fixed fees | | [Timothy Vail](https://find.wellspent.co/advisors/timothy-vail.md) | Vail Ridge Capital | Bellingham, Washington | | Percentage of assets, Hourly, Fixed fees | ## 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).