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Top Financial Advisors in Bellingham, WA

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This review was produced by SmartAsset based on publicly available information. The named firm and its financial professionals have not reviewed, approved, or endorsed this review and are not responsible for its accuracy. Review content is produced by SmartAsset independently of any business relationships that might exist between SmartAsset and the named firm and its financial professionals, and firms and financial professionals having business relationships with SmartAsset receive no special treatment or consideration in SmartAsset’s reviews. This page contains links to SmartAsset’s financial advisor matching tool, which may or may not match you with the firm mentioned in this review or its financial professionals.

Finding a Top Financial Advisor Firm in Bellingham, Washington

If you’re searching for a financial advisor in Bellingham, Washington, we can help you find the best option for you. We’ve narrowed down the top firms in the area, according to assets under management (AUM), advisory services, investment strategies, fee structures and more. For more options, try our free financial advisor matching tool. It will connect you with up to three local advisors.

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Rank Financial Advisor Assets Managed Minimum Assets Financial Services More Information
1 Tradewinds Capital Management, LLC Tradewinds Capital Management, LLC logo Find an Advisor

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$1,009,631,757 No set account minimum
  • Portfolio management
  • Financial planning
  • Pension consulting

Minimum Assets

No set account minimum

Financial Services

  • Portfolio management
  • Financial planning
  • Pension consulting
2 Waycross Investment Management Company Waycross Investment Management Company logo Find an Advisor

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$134,835,353 $250,000
  • Financial planning
  • Portfolio management
  • Educational seminars
  • One-time portfolio analysis

Minimum Assets

$250,000

Financial Services

  • Financial planning
  • Portfolio management
  • Educational seminars
  • One-time portfolio analysis
3 Skyline Advisors, Inc. Skyline Advisors, Inc. logo Find an Advisor

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$216,509,131 $250,000
  • Financial planning
  • Portfolio management
  • Pension consulting

Minimum Assets

$250,000

Financial Services

  • Financial planning
  • Portfolio management
  • Pension consulting

What We Use in Our Methodology

To find the top financial advisors in Bellingham, 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:

  • AUM
    Firms with more total assets under management are ranked higher.
  • Individual Client Count
    Firms who serve more individual clients (as opposed to institutional clients) are ranked higher.
  • Clients Per Advisor
    Firms with a lower ratio of clients per financial advisor are ranked higher.
  • Age of Firm
    Firms that have been in business longer are ranked higher.
  • Fee Structure
    Firms with a fee-only (as opposed to fee-based) compensation structure 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.

Tradewinds Capital Management

Fee-only firm Tradewinds Capital Management (TCM) works with individuals and high-net-worth individuals, pension and profit-sharing plans, business entities, trusts, estates and charitable organizations.

Some of the credentials among TCM’s team include the certified public accountant (CPA), certified financial planner (CFP), accredited investment fiduciary (AIF), chartered life underwriter (CLU), chartered financial consultant (ChFC) and accredited estate planner (AEP).

TCM generally charges asset-based fees for its investment management services and hourly or fixed fees for its other advisory services. As for minimum account size requirements, the firm doesn’t specify a set amount. 

Tradewinds Capital Management Background

Tradewinds Capital Management was formed in 2008 under the management of firm principals Bryant J. Engebretson and Mark R. Anderson. TCM Bellingham, LLC and TCM Shoreline, LLC both have equal ownership of TCM. The firm has one other office in Shoreline, Washington.

TCM offers portfolio management, retirement consulting and financial planning and consulting services. 

Tradewinds Capital Management Investing Strategy

Tradewinds Capital Management says on its website that its mission is to deliver a quantitative, research-based and unbiased approach to its investment management, personal advice and financial planning process. The firm offers clients access to three different investment management styles which apply different asset allocation strategies. These include the Bellwether Investment Management Style, the Shoreline Investment Management Style and the Tradewinds Investment Management Style. 

When making investment decisions on securities in relation to market conditions, TCM generally utilizes fundamental, cyclical, charting and technical analyses. The firm’s investment strategies are long- and short-term purchases and trading.

Waycross Investment Management Company

Waycross Investment Management Company is the next firm up on our list. It's also far and away the oldest firm on our list. It works mainly with individual clients, the majority of which do not have a high net worth. It also works with high-net-worth individuals and charitable organizations.

Waycross has a $250,000 minimum investment requirement, which may be waived in certain circumstances. The firm is also fee-only, so advisors won't receive commissions for selling financial products to clients.

Waycross Investment Management Company Background

Waycross Investment Management Company was founded in 1980, making it the oldest firm on our list by far. While the firm has been in business since then, it only became an SEC-registered investment advisor in 2020. Prior to 2020, it has been registered only at the state level. The firm's principal owners are Luther H. (Hart) Hodges, the firm's president and David G. Schneider, the firm's vice president.

Waycross provides clients with comprehensive investment supervisory services that may include both discretionary portfolio management and financial planning. Advisors may also provide one-time portfolio analysis for clients.

Waycross Investment Management Company Investment Strategy

Waycross Investment Management Company functions like most other financial advisory firms in that it tailors investment advice and investment strategies to the needs of its individual and institutional clients alike. Advisors acheive this level of individualized service by meeting with clients extensively and throughout the advisory arrangement. This way, advisors can learn about a client's tolerance for risk, time horizon and other important factors.

In terms of specific investment securities, the firm typically invests client assets in a wide array of securities. These may include stocks, mutual funds, bonds, real estate investment trusts (REITs) and cash.

Skyline Advisors

Skyline Advisors is an investment advisory firm offering a range of advisory services to individuals and high-net-worth individuals, trusts, estates, charitable organizations and pension and profit-sharing plans.

This firm has a fee-based fee structure, meaning that certain advisors may earn commissions from recommending or selling certain securities and investment products. This can potentially create a conflict of interest, but Skyline Advisors has its fiduciary duty to work in each client’s best interest. 

For prospective clients, Skyline Advisors requires a minimum account size of $250,000. The firm charges asset-based fees for investment management and hourly fees or fixed fees for its other advisory services. 

Skyline Advisors Background

Skyline Advisors provides investment management, retirement planning, financial planning and financial advice and coaching services. The firm was formed in the 1990s, and it’s owned by William Unrein, Mark Logan, Mark Wallace and Deka Wiebusch.

Skyline Advisors also offers wrap fee programs and referrals to third-party money managers.

Skyline Advisors Investment Strategy

Skyline Advisors believes that market timing is futile and that a long-term investment perspective is fundamental to maximizing stock portfolio performance, according to its brochure. Skyline Advisors strives to minimize investment expenses, and the firm believes that investment decisions should be based on foundational research. 

Skyline Advisors says it mainly invests in mutual funds, exchange-traded funds (ETFs), individual stocks and individual bonds.

How Long $1mm Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Least
Most
Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology We analyzed data on average expenditures for seniors, cost of living and investment returns to determine how many years of retirement a $1 million nest egg would cover in cities across America.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research