Fee-only adviser · Bellingham, WA
Trail Financial Planning LLC
Trail Financial Planning LLC is a fee-only investment adviser registered with the U.S. Securities and Exchange Commission, with its main office in Bellingham, Washington. On its latest Form ADV, filed March 11, 2026, it reports $117M in regulatory assets under management, 157 individual clients and 3 employees who give investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.
Key facts from Form ADV
| Registration | SEC-registered |
|---|---|
| Firm CRD number | 165063 · SEC file 801-135022 |
| Office | 214 N Commercial ST. Bellingham, WA 98225 |
| Phone | (360) 399-6486 |
| Website | www.trailfp.com |
| Regulatory assets under management | $117M |
| Individual clients | 105 non-high-net-worth, 52 high-net-worth |
| Financial planning clients | 101-250 |
| How it charges | Percentage of assets, Hourly |
| Services | Financial planning, Portfolio management, Pension consulting, Selection of other advisers, Educational seminars |
| Employees | 4 |
| Disciplinary disclosures | None reported |
| Latest Form ADV filing | March 11, 2026 |
Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.
What this means for you
- It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
- It also charges a percentage of assets managed for ongoing investment management.
- Most of its individual clients are not high-net-worth, so it is likely to work with people who are still building assets.
- It provides financial planning services, not only portfolio management.
- It reports no disciplinary history on Form ADV.
Before you hire any adviser
Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.
Other fee-only advisers in Bellingham
- Tradewinds Capital Management, LLC $727M
- Financial Plan, Inc. $1.6B
- West Invest $304M
- Capstone RIA $241M
- Bellingham Capital $149M
- Waycross Investment Management Co $252M
See all 9 fee-only advisers in Bellingham →
Nearby
Comparing several firms? Tell us what you need and we will suggest fee-only advisers that fit. Work at Trail Financial Planning LLC? Update this listing.