Financial Plan, Inc.

Financial Plan, Inc. is an independent investment advisory firm based in Bellingham, Washington, established in 1996 by James Twining. The firm offers investment advisory and portfolio management services to individuals, focusing on mutual funds, individual bonds, equity securities, and FDIC insured bank accounts. They tailor advice based on clients' unique objectives, risk tolerance, and other factors, creating investment policy statements to guide recommendations. Clients have discretionary authority over their investments, with the firm managing over $1.2 billion of client assets as of December 31, 2024. Fees are asset-based, with a minimum quarterly expense of $2,500 and a tiered fee schedule based on assets under advisement. Financial Plan also offers financial planning services at hourly rates. The firm operates under a fiduciary standard, putting clients' interests first. They follow an enhanced passive investment approach, primarily utilizing mutual funds and index-based funds. The firm does not charge performance-based fees and serves individuals, high net worth individuals, foundations, associations, corporations, retirement plans, and non-profit organizations. Clients receive quarterly account reviews and have the option to vote on proxies for their securities. Financial Plan does not maintain custody of client funds or securities, except for fee debiting purposes. The firm's Brochure is available free of charge upon request.