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.

Tradewinds Capital Management, LLC is a financial advisory firm based in Bellingham, Washington. It currently has approximately $515,039,229 of assets under management and employs about 7 people. Tradewinds Capital Management, LLC uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Skyline Advisors, Inc., located in Bellingham, WA, offers Wealth Management Services, including financial planning and investment management, operating under a Fiduciary Duty to act in clients' best interests. The firm was established by William Unrein, Mark Logan, Mark Wallace, and Deka Wiebusch. They require a minimum initial investment of $500,000 for their Wrap Wealth Management Service. Skyline Advisors manages $233,939,624 on a discretionary basis and $851,986 on a non-discretionary basis. Fees for Wealth Advisory Services are detailed in their Wrap Fee Program Brochure, with Retirement Plan Services billed on an asset-based fee not exceeding 1.00% of managed Plan assets. The firm may refer clients to third-party money managers, with total annual advisory fees not exceeding 1.70%. Skyline Advisors believes in a long-term investment perspective, emphasizing minimizing expenses, compounding interest, and common-sense decisions. They prefer investing in mutual funds, ETFs, closed-end funds, individual stocks, and bonds. The firm provides ongoing account reviews, with clients receiving quarterly performance reports. Skyline Advisors does not accept proxy authority to vote client securities and generally does not accept soft dollars beyond what is allowed by law. Clients are encouraged to contact the firm for any questions or concerns regarding their investments. For more information, visit www.myskylineadvisor.com.

Waycross Investment Management Company, established in 1980, is a registered investment advisor based in Bellingham, WA. The firm, owned by Luther H. Hodges and David G. Schneider, offers discretionary account management tailored to clients' financial circumstances, investment objectives, and risk tolerance. They provide services such as financial planning and retirement planning at no additional cost. Waycross acts as a fiduciary, always prioritizing clients' interests. The firm manages over $214 million in assets on a discretionary basis and offers non-discretionary investment advice services to 401(k) plans. For fees, Waycross charges a percentage of assets under management, with rates varying based on the total value of client accounts. The firm does not receive compensation from third parties related to purchasing securities. Clients may impose reasonable restrictions on their portfolios, and fees are billed quarterly in advance. Waycross does not charge performance-based fees and generally recommends diversified portfolios of individual equities, bonds, mutual funds, ETFs, and cash. Waycross serves individuals, trusts, estates, and charitable organizations, with a minimum account size typically set at $250,000. The firm's investment strategies focus on asset allocation, fundamental analysis, and risk management to help clients achieve their financial goals. Clients receive regular reports and are encouraged to contact Waycross with any questions or concerns.

Baring Financial, LLC, established in 2014 and registered as an investment adviser in 2015, offers personalized investment management services to various clients, including individuals, pension plans, trusts, and small businesses. The firm operates on a discretionary basis, tailoring portfolios to meet individual client needs and goals. Investment strategies primarily focus on strategic asset allocation using a core and satellite approach, with a mix of passively and actively managed funds. Baring Financial recommends Charles Schwab & Co., Inc. as the custodian for new clients, with legacy relationships through SSG and SEI Trust for existing clients. The firm charges an ongoing asset management fee based on a percentage of assets under management, with a maximum annual fee of 1.3%. Clients using Schwab as their custodian pay no more than 1.2%. Baring Financial discloses potential risks associated with investments, such as asset allocation, interest rate, market, inflation, and liquidity risks. The firm does not charge performance-based fees and does not engage in soft dollar arrangements. Clients are encouraged to vote their proxies, and the firm maintains strict privacy and information security measures.

Bellingham Capital is a financial advisory firm based in Bellingham, Washington. It currently has approximately $108,868,487 of assets under management and employs about 4 people. Bellingham Capital uses a fee structure of a percentage of assets under your management and hourly charges.