Finding a Top Financial Advisor Firm in Bellevue, Washington
Are you looking to work with a financial advisor? If you live in Bellevue, Washington, there are a lot of advisor firms to pick from. SmartAsset’s reviews below highlight the top financial advisor firms in Bellevue. We go through each firm’s investing strategies, fee schedules, backgrounds and more. You can also utilize SmartAsset’s financial advisor matching tool, which will pair you with as many as three advisors in your area.
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|Rank||Financial Advisor||Assets Managed||Minimum Assets||Financial Services||More Information|
|1||Coldstream Wealth Management Find an Advisor||$4,322,472,850||$2,000,000|| || |
|2||Evergreen Capital Management, LLC Find an Advisor||$2,991,640,859||Varies based on account type|| || |
Minimum AssetsVaries based on account type
|3||Bristlecone Advisors, LLC Find an Advisor||$1,525,719,576||$2,000,000|| || |
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|4||Highland Private Wealth Management Find an Advisor||$1,022,064,395||No set account minimum|| || |
Minimum AssetsNo set account minimum
|5||Paul R. Ried Financial Group, LLC Find an Advisor||$831,065,473||No set account minimum|| || |
Minimum AssetsNo set account minimum
|6||Tschetter Group Find an Advisor||$1,102,792,255||No set account minimum|| || |
Minimum AssetsNo set account minimum
|7||Synergy Financial Management, LLC Find an Advisor||$467,728,666||No set account minimum|| || |
Minimum AssetsNo set account minimum
|8||Auxano Advisors, LLC Find an Advisor||$907,894,400||$1,000,000|| || |
|9||Trutina Financial, LLC Find an Advisor||$858,794,373||No set account minimum|| || |
Minimum AssetsNo set account minimum
|10||Integrity Financial Corporation Find an Advisor||$360,911,867||No set account minimum|| || |
Minimum AssetsNo set account minimum
What We Use in Our Methodology
To find the top financial advisors in Bellevue, we first identified all firms registered with the SEC in the city. Next, we filtered out firms that don't offer financial planning services, those that don't serve primarily individual clients and those that have disclosures on their record. The qualifying firms were then ranked according to the following criteria:
- AUMFirms with more total assets under management are ranked higher.
- Individual Client CountFirms who serve more individual clients (as opposed to institutional clients) are ranked higher.
- Clients Per AdvisorFirms with a lower ratio of clients per financial advisor are ranked higher.
- Age of FirmFirms that have been in business longer are ranked higher.
All information is accurate as of the writing of this article. This list may include firms that have a business relationship with SmartAsset, in which SmartAsset is compensated for lead referrals. Such relationships have no impact on our rankings, and firms are included and ranked based strictly on the above criteria.
Coldstream Wealth Management
Coldstream Wealth Management has quite a large advisory staff. Its team of advisors includes multiple certified financial planners (CFPs), chartered financial analysts (CFAs) and certified public accountants (CPAs). Other advisory certifications include accredited estate planner (AEP), chartered life underwriter (CLU), chartered alternative investment analyst (CAIA) and financial risk manager (FRM).
Although Coldstream maintains advisory relationships with many types of clients, high-net-worth individuals hold claim to more than half of the firm’s overall client base. This is likely due to the firm's $2 million account minimum. Non-high-net-worth individuals, businesses, charitable organizations, pension and profit-sharing plans and investment companies flesh out the rest of the firm’s client base.
As a fee-based firm, certain members of Coldstream Wealth Management’s staff earn commissions for the sale of insurance products or securities. Although this represents a potential conflict of interest, the firm abides by fiduciary duty, and therefore is legally bound to act in your best interest.
Coldstream Wealth Management Background
Coldstream Wealth Management is employee-owned. The firm was established in 1996 in Bellevue, with a branch office in Seattle, another office in Bellevue and one office is Lake Oswego, Oregon.
A sizable portion of the services at Coldstream revolve around investing. In fact, the firm offers customizable portfolio planning and management, as well as risk management. Those interested in financial planning can utilize the firm’s retirement planning, education fund planning and wealth transfer planning services.
Coldstream Wealth Management Investing Strategy
Rather than squeeze every client into a single investment philosophy, Coldstream has worked to create a few investment management strategies that it can pair you with:
- Global Equity: This stock-centric group of four strategies offers varying exposures to different types of equities. While some portfolios will be aggressive and focused on growth, others will maintain a more tax-minded exposure.
- Global Fixed-Income: Portfolios using this strategy will contain mostly municipal, corporate and U.S. government bonds. Most of its sub-strategies focus on long-term growth, though the “Coldstream Income Opportunity” sub-strategy looks for income over returns.
- Alternative Investment Strategies: If your needs don’t fit neatly into another strategy, alternative investment could be the way to go. That could mean investing in real estate, hedge funds, private equity and venture capital funds.
Evergreen Capital Management
Evergreen Capital Management is the next firm on our list. The fee-only firm has a financial advisory staff that includes certified financial planners (CFPs) and chartered financial analysts (CFAs). This firm charges performance-based fees.
Evergreen’s minimum account sizes change depending on the service you’re subscribing to. Most portfolios have a $1 million minimum. Other portfolios may have higher minimums. The firm can waive these minimums at its discretion.
Evergreen Capital Management primarily serves both non-high-net-worth individuals and high-net-worth individuals, with the latter claiming the vast majority of the firm’s overall AUM. Evergreen may also work with trusts, corporations, endowments, pension plans and other retirement plan accounts.
Evergreen Capital Management Background
Evergreen Capital Management can trace its history back to 1983. That makes it one of the oldest firms on this list. Since 2002, though, the firm has been under the majority ownership of chief strategist and partner David Hay. Hay has been employed in the investment industry since 1979, giving him around 40 years of experience.
If you become a client of Evergreen, you’ll gain access to four main types of services: standard investment advisory services, robo-advisory services through “Evervestment,” investment consulting and financial planning. The firm will alter each of these to fit the specifics of your personal situation rather than use a cookie-cutter approach.
Evergreen Capital Management Investing Strategy
Evergreen has developed its own investment approach, which it’s dubbed “Dynamic Asset Allocation.” This is an active investment philosophy that structures your portfolio according to your risk tolerance, time horizon and investment goals.
The firm offers a number of investment strategies that vary from highly conservative to aggressive growth. Depending on where you fall within this spectrum, your portfolio will likely contain a collection of individual securities and ETFs. In some cases, the firm may choose other applicable investments.
Bristlecone Advisors, LLC is the next firm on our list of the top financial advisors in Bellevue, Washington. This large firm has a client base that is made up mainly of individuals. Of these individuals, most have a high net worth, though a handful are non-high-net-worth individuals. Institutional clients at the firm include a few charitable organizations and other businesses. There is generally a $2 million minimum account size requirement at Bristlecone.
Bristlecone Advisors is a fee-only firm. This means that none of its advisors are dually registered as insurance agents or broker-dealers, so there won't be a conflict of interest that arises from the receipt of commissions from sales of these financial products to clients.
Bristlecone Advisors Background
Bristlecone Advisors is on the older side, having been founded in 1999. It registered with the SEC as an investment advisor and began providing advisory services in that same year. The firm has a large and financial experienced team of advisors. 11 of those advisors are owners of the firm, which is employee-owned and operated. While the firm's principal office is in Bellevue, it also has an office in Seattle.
The firm provides its clients with custom financial consulting and investment portfolio management services. Currently, it does so on an entirely discretionary basis.
Bristlecone Advisors Investment Strategy
Like most other investment advisors, Bristlecone Advisors tailors its investment advice to the needs of its clients. As a result, investment philosophies and strategies differ significantly between clients. Types of investments used to populate client portfolios also vary significantly. Advisors work with clients to determine income needs, tax status, estate planning structures and any other relevant information.
Advisors at Bristlecone place significant emphasis on asset allocation strategy, with the belief that asset allocation provides a key framework for creating a diversified portfolio. Specific assets may include stocks, fixed-income securities and alternative funds.
Highland Private Wealth Management
Fee-only Highland Private Wealth Management works with mostly high- and ultra-high-net-worth individuals. Outside of this group, the firm maintains accounts for non-high-net-worth individuals, charitable organizations, businesses, trusts and private foundations. Despite its focus on wealthy clientele, there are no set account minimums at this firm.
At Highland’s offices, you’ll find several certified financial planners (CFPs) and a few chartered financial analysts (CFAs), across its team of advisory employees.
Highland is a bit unique in that it only charges fixed fees for its services. In contrast, most financial advisor firms use some combination of asset-based fees and hourly charges, on top of fixed fees.
Highland Private Wealth Management Background
Highland Private Wealth Management was established by John Christianson in 1999. Today, Christianson is the firm’s principal shareholder, president and CEO. He has spent a quarter-century working in the financial services industry.
The advisory services at Highland are split between investment management and wealth advisory. Here’s a breakdown of what the firm can do:
- Investment diversification
- Alternative investment review
- Customized investment planning and reporting
- Comprehensive financial planning
- Retirement planning
- Estate planning
- Wealth transfer planning
- Risk management
Highland Private Wealth Management Investing Strategy
At its core, Highland Private Wealth Management’s investment philosophy is based on wealth preservation and global diversification. Through these principles, the firm will attempt to create the best risk/return profile with the lowest operating expenses and tax exposure possible. Depending on your personal investment goals, the firm may recommend a passive strategy, an active strategy or some combination of the two.
Highland will occasionally purchase stocks and bonds for implementation in its clients’ portfolios. In general, though, the firm tends to stick with ETFs and mutual funds. The firm believes this is a safer way to gain exposure to more volatile securities.
Paul R. Ried Financial Group
Paul R. Ried Financial Group, LLC takes the next spot on our Bellevue list. The firm has no account minimum and serves a client base consisting almost entirely of individual clients. In fact, more than 99% of the firm’s managed assets belong to either individuals or individuals with a high net worth.
Although this firm’s advisory staff is slightly on the small side, there are several advisory certifications between them. This group boasts certifications such as certified financial planner (CFP), certified investment management analyst (CIMA) and accredited asset management specialist (AAMS).
Because this firm is fee-based, a few of its advisors may receive commissions or extra compensation for the sale of insurance products or securities to clients. While this could be seen as a conflict of interest, the firm is legally bound by fiduciary duty. This ensures that the firm must act in clients’ best interests at all times.
Paul R. Ried Financial Group Background
Paul R. Ried Financial Group became a registered investment advisor (RIA) in 2018, but the firm has been in business since 1986. The firm’s president, Paul Ried, founded the firm and has spent more than 30 years working in financial services. He remains the firm’s only principal shareholder.
This firm’s premier service is its “PEAC Investment Advisory Program.” The PEAC acronym stands for “planning, education, advice and consultation,” according to its official Form ADV. Paul R. Ried Financial Group has an abundance of financial planning services as well, including:
- Pre- and post-retirement planning
- Cash flow planning
- Education cost planning
- Tax planning and management
- Estate planning
- Risk management and insurance planning
Paul R. Ried Financial Group Investing Strategy
At its core, Paul R. Ried Financial Group tends to believe in long-term investing. So as the firm puts plans together for your portfolio, it will evaluate securities with a longer-term lean. Of course, your personal goals will have significant bearing on what your portfolio eventually looks like.
This firm tends to invest in a collection of mutual funds, ETFs, over-the-counter securities and exchange-listed securities. Should you have any explicit investment restrictions, the firm should be able to take them into account.
Tschetter Group is the following firm on our list of the top financial advisor firms in Bellevue. This firm has a small team of advisors and works with a client base that consists almost entirely of individuals, those both with and without a high net worth. It also works with a small handful of charities and businesses. This firm does not impose a minimum account size.
Tschetter Group is a fee-based firm. Some advisors at the firm are registered insurance agents or broker-dealers that can receive commissions from the sale of financial products to clients. As a result, the firm is subject to a potential conflict of interest. This conflict is mitigated by the firm's status as a fiduciary advisor that is legally obligated to act in the best interests of clients at all times.
Tschetter Group Background
Tschetter Group is also one of the youngest firms on our list, as it only went into business in 2017. It officially filed as an investment advisor with the SEC in mid-2019. The firm is wholly owned by Richard Tschetter, David Tschetter and Dustin Brumbaugh. Richard is the firm's chairman. David is the firm's president and is a certified wealth strategist (CWS). Brumbaugh is the firm's CEO and is a chartered financial analyst (CFA).
Tschetter provides clients with comprehensive wealth management services. This includes a comprehensive portfolio management service as well as financial planning and consulting.
Tschetter Group Investment Strategy
Like several other firms on our list, Tschetter Group tailors its investment strategies to the wants and needs of each client on an individual level. Advisors meet with clients to determine such factors as their overall financial situation, existing resources, financial goals and risk tolerance.
Using gathered information about each client, advisors at Tschetter Group construct portfolios that mainly consist of individual stocks, bonds, exchange-traded funds (ETFs) and mutual funds. They also conduct periodic portfolio rebalancing to ensure that the goals of clients are being met.
Synergy Financial Management
Up next on our list of the top financial advisors in Bellevue is Synergy Financial Management. This small firm works mainly with non-high-net-worth individual clients, but works with a handful of high-net-worth individuals as well. The firm does not have a large institutional client base, but institutions that it works with include a small number of pooled investment vehicles, pensions, profit sharing plans and other investment advisors. This firm does not have a minimum account size requirement.
Synergy Financial Management is a fee-based firm. Because the firm and some of its advisors can earn commissions from selling insurance products or investing clients in certain funds, there is a potential conflict of interest. However, the firm is a registered fiduciary that is legally obligated to act in the best interests of clients at all times.
Synergy Financial Management Background
Synergy Financial Management was founded in 2001 and has been in business ever since. It officially registered with the SEC as an investment advisor in 2005, after previously being registered at the state level. 99% of the firm is owned by Synergy Financial Services, Inc., and 1% of the firm is owned by Joseph M. Maas, the firm's principal. However, Maas is the sole owner of Synergy Financial Services, Inc.
Synergy primarily works with individuals, businesses and other financial advisors. It provides a wide range of investment advisory services and clients may work with the firm on a discretionary or non-discretionary basis.
Synergy Financial Management Investment Strategy
No matter the client, Synergy Financial Management looks to tailor its investment advice to the needs of that specific client. This process involves getting to know the client, their investment objectives and their overall financial situation. More specifically, the firm and its advisors work to find out each clients tolerance for risk, liquidity needs and desired investment strategies so that they can further tailor their advice.
Advisors take a team-oriented approach to investment management. They look to compile both quantitative and qualitative data to help them make investment decisions for client portfolios.
With a $1 million account minimum, it should come as no surprise that nearly three-quarters of Auxano Advisors’ assets under management (AUM) belong to high-net-worth individuals. The firm is also known to work with non-high-net-worth individuals, trusts, estates, charitable organizations, pension and profit-sharing plans and businesses.
There are plenty of advisory certifications to go around at Auxano. The firm has multiple certified financial planners (CFPs) along with one chartered financial analyst (CFA).
Auxano is a fee-based firm, so a few of its advisors may be able to earn commissions from the sale of insurance products. Regardless, the firm is a fiduciary, legally requiring it to act in clients’ best interests at all times.
Auxano Advisors Background
Auxano Advisors has been in business in the Bellevue area since 1987. Peter Cline, the firm’s current CEO, founded the firm. Although Cline is still the majority owner, partners Alex Lee and Dwight Whiting hold minority ownership stakes.
First and foremost, Auxano is a family office. This means that individuals and their families can combine retirement planning, estate planning, tax planning and more in conjunction with traditional investment advisory services. The firm does provide standalone investment advisory services too, though.
Auxano Advisors Investing Strategy
Once you make your investment goals and risk tolerance apparent, Auxano will attempt to create a fitting investment portfolio for you. To do this, the firm utilizes both long- and short-term securities purchases. This is an especially beneficial approach for clients with high-end liquidity needs or a lower risk tolerance.
The firm also does its own extensive investment analysis when deciding what to populate your portfolio with. To do this, Auxano delves into the finances of specific companies, as well as overall market movements and trends.
Although individuals and high-net-worth individuals comprise most of Trutina Financial’s client base, the firm also works with over 100 employer-sponsored retirement plans. Trutina also offers services for trusts, estates, charitable organizations and businesses. There is no minimum investment at this firm.
Trutina Financial is a fee-based advisor firm and it has some advisors that can earn commissions from the sale of certain insurance policies or securities. Despite this, the firm is legally bound by fiduciary duty, which means that its advisors must act in clients’ best interests.
Trutina Financial Background
Bellevue Financial, Inc. was the predecessor firm to Trutina Financial, and it was founded in 2005. As of 2009, Storehouse Partners, LLC merged with Bellevue Financial, leading to the 2010 creation of Trutina. Today, the firm’s owners are principals Matt Myers and Steve Herman and chief investment officer (CIO) Todd Carter.
For individuals, the firm can offer comprehensive financial planning, wealth management and investment portfolio management. Trutina also provides advisory services to retirement plans.
Trutina Financial Investing Strategy
Trutina does not discriminate between long- and short-term securities purchases, employing different strategies depending on the particular clients’ needs, risk tolerance and time horizon.
Because of this wide ranging strategy, Trutina utilizes many different securities and investments, including equities, fixed-income securities, mutual funds, ETFs, variable annuities, unit investment trusts, options and limited partnerships.
Integrity Financial Corporation
Rounding out our list of the top financial advisory firms in Bellevue is Integrity Financial Corporation. Integrity is on the smaller side but has a robust team of advisors. This firm works with both individual and institutional clients, though the vast majority of its clients are non-high-net-worth individuals. It also works with a fair number of pensions and profit sharing plans. Other clients include high-net-worth individuals, charities and other businesses. The firm does not have a minimum account balance requirement.
Integrity Financial is a fee-based firm. Its advisors are registered as insurance agents and may sell insurance products to clients for which they can eearn commissions. This potential conflict of interest is mitigated by the fact that the firm is legally obligated to act in the best interests of clients given its status as a fiduciary.
Integrity Financial Corporation Background
Integrity Financial Corporation was founded in 2004, making it one of the younger firms on our Bellevue list. The firm became an SEC-registered financial advisor in 2016, though it was previosuly registered on the state level. Kristofer R. Gray is the firm's principal and sole owner. He is also the founder of the firm. Lockwood Holmes serves as chief executive officer. Gray is a certified financial planner (CFP), and other members of the firm are financially certified as well.
Integrity works with clients to provide wealth management services, investment consulting services and legacy planning.
Integrity Financial Corporation Investment Strategy
Integrity Financial Corporation, like many other firms, works with clients to help provide them with tailored investment management services. In order to do this effectively, Integrity meets with clients to determine their financial situation and investment objectives. However, advisors may also invest client assets with regard to a central, consistent investment strategy that uses index instruments or actively managed instruments, both designed to drive optimal growth in client portfolios.
Advisors rebalance portfolios on a regular basis to ensure optimal returns. They may also use alternative investment strategies, depending on the client and their particular financial fituation.