Fee-only adviser · Spokane, WA
Upfront Financial Planning, LLC
Upfront Financial Planning, LLC is a fee-only investment adviser registered with the securities regulators of Idaho, Texas, Washington, with its main office in Spokane, Washington. On its latest Form ADV, filed October 15, 2026, it reports $15M in regulatory assets under management, 40 individual clients and 1 employee who gives 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 | State-registered: Idaho, Texas, Washington |
|---|---|
| Firm CRD number | 328638 |
| Office | 203 N Washington ST Ste 200-I Spokane, WA 99201 |
| Phone | (509) 214-0187 |
| Website | www.upfrontfp.com |
| Regulatory assets under management | $15M |
| Individual clients | 40 non-high-net-worth, 0 high-net-worth |
| Financial planning clients | 26-50 |
| How it charges | Percentage of assets, Hourly, Fixed fee |
| Services | Financial planning, Portfolio management |
| Employees | 1 |
| Disciplinary disclosures | None reported |
| Latest Form ADV filing | October 15, 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 Spokane
- JMK & Associates, LLC $268M
- Quantum Financial Planning Services, Inc. $727M
- Northern Capital Management, Inc. $918M
- Financial Forum, Inc. $286M
- Vickerman Investment Advisors, Inc. $632M
- Freedom Asset Management $142M
See all 26 fee-only advisers in Spokane →
Nearby
- Spokane Valley 4 firms
- Liberty Lake 2 firms
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