# Financial advisors for retirement planning in Bellevue, Washington > For retirement planning in Bellevue, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Jeffrey Walters of Advisia Financial Planning, LLC, Brandon Steele of Mainsail Financial Group and Jeff Tolsma of Tolsma Investments, LLC. Page: https://find.wellspent.co/specialties/retirement-planning/washington/bellevue/ 31 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 about retirement planning in Bellevue? For retirement planning in Bellevue, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Jeffrey Walters of Advisia Financial Planning, LLC, Brandon Steele of Mainsail Financial Group and Jeff Tolsma of Tolsma Investments, LLC. - [Jeffrey Walters](https://find.wellspent.co/advisors/jeffrey-walters/), Advisia Financial Planning, LLC, Bellevue City. Holds the CFP and EA. Fees on file: hourly. - [Brandon Steele](https://find.wellspent.co/advisors/brandon-steele/), Mainsail Financial Group, Bellevue City. Holds the CFP. Fees on file: ongoing planning fee. - [Jeff Tolsma](https://find.wellspent.co/advisors/jeff-tolsma/), Tolsma Investments, LLC, Bellevue City. Holds the CFP. Fees on file: percentage of assets, flat fee or retainer. - [S Yeyni](https://find.wellspent.co/advisors/s-yeyni/), Wealth-Builders, Bellevue City. Holds the CFP. Fees on file: percentage of assets, hourly. - [Kevin Estes](https://find.wellspent.co/advisors/kevin-estes/), Scaled Finance, LLC, Bellevue City. Holds the CFP. Fees on file: hourly, one-time planning fee. - [Kathryn Kokenge](https://find.wellspent.co/advisors/kathryn-kokenge/), TrueWealth Financial Partners San Diego, Bellevue City. Holds the CFP. Fees on file: percentage of assets, fixed fees. ## How many fee-only financial advisors in Bellevue work on retirement planning? The Wellspent public graph lists 31 fee-only advisors for retirement planning in Bellevue, at 12 firms. We counted every advisor record that lists this work, as of November 2026. ## How do fee-only advisors for retirement planning in Bellevue charge? The most common fee among fee-only advisors for retirement planning in Bellevue is a percentage of assets, used by 71% of the 31 with fees on file. Many use more than one: 32% charge fixed fees and 26% 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 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 retirement planning have? For retirement planning, look for the CFP and EA. In Bellevue, 29% of the 31 advisors listed hold the CFP. - CFP (29% of advisors listed): The CFP covers income, tax, insurance, and estate decisions together. - EA (3% of advisors listed): Enrolled agents help with Roth conversions and withdrawal order. ## How do Bellevue advisors for retirement planning compare with the rest of the US? 29% of fee-only advisors for retirement planning in Bellevue hold the CFP, compared with 46% of the 7,304 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## 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 about retirement planning in Bellevue? - How do you decide which accounts I draw from first? - When would you have me claim Social Security, and why? - How do you handle a bad market in my first years of retirement? - Will you run Roth conversion scenarios for me each year? - Would you plan differently if I might move to another state in retirement? ## How current is this list of fee-only advisors for retirement planning in Bellevue? 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 | | [Jeffrey Walters](https://find.wellspent.co/advisors/jeffrey-walters.md) | Advisia Financial Planning, LLC | Bellevue, Washington | CFP, EA | Hourly | | [Jeff Tolsma](https://find.wellspent.co/advisors/jeff-tolsma.md) | Tolsma Investments, LLC | Bellevue, Washington | CFP | Percentage of assets, Flat fee or retainer, Ongoing planning fee, Hourly | | [S Yeyni](https://find.wellspent.co/advisors/s-yeyni.md) | Wealth-Builders | Bellevue, Washington | CFP | Percentage of assets, Hourly | | [Brandon Steele](https://find.wellspent.co/advisors/brandon-steele.md) | Mainsail Financial Group | Bellevue, Washington | CFP | Ongoing planning fee | | [John Griffin](https://find.wellspent.co/advisors/john-griffin.md) | Mainsail Financial Group | Bellevue, Washington | CFP | Ongoing planning fee | | [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 | | [Sprague Kolp](https://find.wellspent.co/advisors/sprague-kolp.md) | Opal Advisors | Bellevue, Washington | CFP | Percentage of assets, Performance-based fees | | [Emily Weed](https://find.wellspent.co/advisors/emily-weed.md) | Emerald Advisors | Bellevue, Washington | CFP | Percentage of assets, Fixed fees | | [Matthew Hill](https://find.wellspent.co/advisors/matthew-hill.md) | Emerald Advisors | Bellevue, Washington | CFA | Percentage of assets, Fixed fees | | [Michael McFerran](https://find.wellspent.co/advisors/michael-mcferran.md) | Emerald Advisors | Bellevue, Washington | ChFC | Percentage of assets, Fixed fees | | [Adam Laibson](https://find.wellspent.co/advisors/adam-laibson.md) | Mainsail Financial Group | Bellevue, Washington | | Ongoing planning fee | | [Adrian Fernandez](https://find.wellspent.co/advisors/adrian-fernandez.md) | Opal Advisors | Bellevue, Washington | | Percentage of assets, Performance-based fees | | [Bao Ly](https://find.wellspent.co/advisors/bao-ly.md) | Opal Advisors | Bellevue, Washington | | Percentage of assets, Performance-based fees | | [Christina Hua](https://find.wellspent.co/advisors/christina-hua.md) | Opal Advisors | Bellevue, Washington | | Percentage of assets, Performance-based fees | | [Christopher Niemela](https://find.wellspent.co/advisors/christopher-niemela.md) | Foresee Wealth Advisors | Bellevue, Washington | | Percentage of assets, Hourly, Fixed fees | | [Felicia Fly](https://find.wellspent.co/advisors/felicia-fly.md) | Mainsail Financial Group | Bellevue, Washington | | Ongoing planning fee | | [James Hua](https://find.wellspent.co/advisors/james-hua.md) | Opal Advisors | Bellevue, Washington | | Percentage of assets, Performance-based fees | | [Jamie Langlow](https://find.wellspent.co/advisors/jamie-langlow.md) | TrueWealth Financial Partners San Diego | Bellevue, Washington | | Percentage of assets, Fixed fees | | [Joshua Moore](https://find.wellspent.co/advisors/joshua-moore.md) | Mainsail Financial Group | Bellevue, Washington | | Ongoing planning fee | | [Justin Young](https://find.wellspent.co/advisors/justin-young.md) | Opal Advisors | Bellevue, Washington | | Percentage of assets, Performance-based fees | | [Michael Brown](https://find.wellspent.co/advisors/michael-brown-2450603.md) | Foresee Wealth Advisors | Bellevue, Washington | | Percentage of assets, Hourly, Fixed fees | | [Patrick Severson](https://find.wellspent.co/advisors/patrick-severson.md) | TrueWealth Financial Partners San Diego | Bellevue, Washington | | Percentage of assets, Fixed fees | | [Samuel Wisneski](https://find.wellspent.co/advisors/samuel-wisneski.md) | TrueWealth Financial Partners San Diego | Bellevue, Washington | | Percentage of assets, Fixed fees | | [Tonye Wokoma](https://find.wellspent.co/advisors/tonye-wokoma.md) | Mainsail Financial Group | Bellevue, Washington | | Ongoing planning fee | | [Michael Smith](https://find.wellspent.co/advisors/michael-smith-4973573.md) | Emerald Advisors | Bellevue, Washington | | Percentage of assets, Fixed fees | | [James McClendon](https://find.wellspent.co/advisors/james-mcclendon.md) | The Pacific Financial Group | Bellevue, Washington | | Percentage of assets | | [Megan Meade](https://find.wellspent.co/advisors/megan-meade.md) | The Pacific Financial Group | Bellevue, Washington | | Percentage of assets | | [Richard Olsen](https://find.wellspent.co/advisors/richard-olsen.md) | The Pacific Financial Group | Bellevue, Washington | | Percentage of assets | | [Susanna Fraser](https://find.wellspent.co/advisors/susanna-fraser.md) | Asset One | Bellevue, Washington | | Percentage of assets | ## Related - [Estate planning in Bellevue](https://find.wellspent.co/specialties/estate-planning/washington/bellevue.md) - [Tax planning in Bellevue](https://find.wellspent.co/specialties/tax-planning/washington/bellevue.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).