Wealth manager, independent · Bellingham, WA
Financial Plan, Inc.
SEC-registered investment adviser · CRD 116073 · SEC 801-77339
At a glance
Financial Plan, Inc. is an SEC-registered investment adviser based in Bellingham, Washington, with $1.6B in regulatory assets under management as of its Form ADV filed March 16, 2026. It reports 905 individual clients, 309 of them high-net-worth, holding an average of about $1.8 million each, and 12 employees. That ranks it 673rd among the nation’s 5,657 independent wealth management RIAs and 17th of 158 in Washington. It reports BNY Pershing as the custodian for its clients’ separately managed accounts.
Main office 360-714-1234financialplaninc.comLinkedInAs filed on Form ADV
- Regulatory AUM
- $1.6B
- Rank among independent wealth managers
- #673 of 5,657
- Rank among all SEC RIAs
- #4,109 of 17,210
- Rank in Washington
- #17 of 158
- Individual clients
- 905
- High-net-worth clients
- 309
- Accounts
- 4,049
- Discretionary
- 100% of AUM
- Employees
- 12
- Advisory staff
- 11
- Offices
- 1
Owners and executives on its Form ADV
- James B. TwiningChief Executive Officer
- David A. DickChief Compliance Officer
- William D. WolfChief Investment Officer
- Nathan J. TwiningChief Technology Officer
- Gabriel A. TwiningChief Personnel Officer
Custody and brokerage
Broker-dealer
No broker-dealer ties
Financial Plan, Inc. reports no employees registered with a broker-dealer and no affiliated broker-dealer.
Who it serves
| Client type | Clients | Regulatory AUM | Share |
|---|---|---|---|
| High-net-worth individuals | 309 | $1.1B | 68% |
| Individuals | 596 | $511M | 32% |
| Charitable organizations | 19 | $9M | <1% |
Disciplinary disclosures
Financial Plan, Inc. reports no disciplinary disclosures in Item 11 of Form ADV. Read the details on the SEC’s adviser search ↗
Services
- Financial planning
- Portfolio management for individuals and small businesses
How it’s paid
- A percentage of assets under management
- Hourly charges
Form ADV and brochures on the SEC’s adviser search ↗financialplaninc.com ↗
AtlasMembers
The full record on Financial Plan, Inc.
Ten years of SEC filings, its owners and contacts, and how it stacks up against its peers. Atlas members see all of it.
- Assets, accounts, clients and staff, ten years of filings
- Locked
- Growth over one, three and five years
- Locked
- Rank against 2,401 peers of its type and size
- Locked
- Owners and executives, with titles and stakes
- 5 namedLocked
- Main office, fax and compliance officer
- Locked
- Filing changes this year, with alerts
- 1Locked
Free while Atlas launches: create a free account and confirm your email. Every figure comes from SEC filings.
Similar-size RIAs in Washington
All of Washington →| Firm | Regulatory AUM | Clients |
|---|---|---|
| First Pacific Financial, Inc.Vancouver | $1.9B | 1,291 |
| Clear Creek Financial Management, LLCSilverdale | $1.9B | 3,964 |
| Auxano AdvisorsBellevue | $1.8B | 724 |
| Petersen Hastings Wealth Advisors, Inc.Kennewick | $1.6B | 1,232 |
| Martel Wealth Advisors, LLCVancouver | $1.5B | 998 |
| Greene Wealth Management, LLCSeattle | $1.4B | 377 |
Background
Questions
How much does Financial Plan, Inc. manage?
Financial Plan, Inc. reports $1.6B in regulatory assets under management across 4,049 accounts, 100% of it on a discretionary basis, on its Form ADV filed March 16, 2026.
How many clients does Financial Plan, Inc. have?
It reports 905 individual clients: 309 high-net-worth individuals and 596 other individuals. Individuals account for about 99% of its regulatory assets.
Where is Financial Plan, Inc. headquartered?
Its main office is in Bellingham, Washington. It reports 1 office in total and 12 employees, 11 of whom perform investment advisory functions.
How does Financial Plan, Inc. charge clients?
On Form ADV it lists these forms of compensation: a percentage of assets under management; hourly charges. Fees and minimums are set out in its Form ADV Part 2A brochure, available on the SEC’s adviser search.
What custodian does Financial Plan, Inc. use?
It reports BNY Pershing as the custodian for its clients’ separately managed accounts. On Schedule D of its Form ADV filed March 16, 2026, it reports these amounts held: BNY Pershing ($1.5B). Form ADV lists only custodians holding 10% or more of separately managed account assets.
Is Financial Plan, Inc. a hybrid RIA with a broker-dealer?
Financial Plan, Inc. reports no employees registered with a broker-dealer and no affiliated broker-dealer.
Is Financial Plan, Inc. a fiduciary?
As an SEC-registered investment adviser, Financial Plan, Inc. owes its advisory clients a fiduciary duty under the Investment Advisers Act of 1940, which includes duties of care and loyalty. It reports no employees who are registered representatives of a broker-dealer.
Where these numbers come from
Every figure is Financial Plan, Inc.’s own answer on its latest Form ADV, from the SEC’s registered-adviser list as of October 1, 2026: regulatory assets and accounts (Item 5.F), clients by type (5.D), employees (5.A and 5.B), compensation (5.E) and services (5.G). Custodians come from Schedule D 5.K(3) of its latest filing (2026-03-16), which lists those holding 10% or more of separately managed account assets and the amount at each. “Hybrid” means some employees are also registered representatives of a broker-dealer (Item 5.B(2)); affiliated broker-dealers are the related persons it lists in Item 7.A and Schedule D. Firm type comes from its own answers: broker-dealer firms are registered broker-dealers themselves (Item 6.A); private fund advisers manage mostly private funds (Item 7.B, 5.D); wealth managers manage at least half their assets for individuals (5.D). Its national rank compares it with every US-based independent wealth management RIA, the same field as The Largest RIAs. Figures are as of the firm’s last annual update, so they can lag recent deals and market moves. Regulatory AUM counts assets the firm continuously supervises and can differ from what a firm markets.
Not an endorsement or a recommendation. Before hiring any adviser, read its Form ADV Part 2A brochure and check its record on the SEC’s adviser search. How to check a financial advisor →