Coldstream Wealth Management
Coldstream Wealth Management is a financial advisor firm headquartered in Bellevue, Washington. This fee-based firm works mostly with individual clients but also has a large pool of insititutional clients, including retirement plans, charitable organizations and corporations.
Coldstream operates multiple offices in the Pacific Northwest, offering portfolio management, financial and tax planning, as well as estate and consulting services to its clients.
Coldstream Wealth Management Background
Coldstream Wealth Management was founded in 1996 by Roger Reynolds and Don Gher. The firm, which is 100% owned by its employees an directors, is led by managing shareholder Kevin Fitzwilson. In addition to its headquarters in Bellevue, the firm has other offices throughout Washington, Oregon, Idaho and Alaska.
As of June 1, 2025, Cable Hill Partners joined Coldstream, and its former advisory clients are now serviced by Coldstream Wealth Management.
Coldstream Wealth Management Client Types and Minimum Account Sizes
Coldstream Wealth Management works with individuals, high-net-worth individuals, pension and profit-sharing plans, charitable organizations, corporations and other businesses.
Coldstream Wealth Management requires a minimum management fee of $10,000 for private wealth management and $150,000 for family office management. The minimum retirement plan account size for Coldstream Retirement Plan advisory services is $5 million. But the firm may choose to waive these minimums at its discretion.
Services Offered by Coldstream Wealth Management
Coldstream Wealth Management offers a standard range of services to its clients, including the following:
- Investment advisory services
- General financial planning
- Retirement planning
- Tax planning
- Estate design
- Risk management and insurance solutions
- Private client services
- Ultra-affluent services
- Family advisory
- Education planning
- Wealth transfer planning
Due to the firm's high minimum management fees, it places a special emphasis on tax and financial planning services for the very wealthy, listed above as "ultra-affluent services."
Coldstream Wealth Management Investment Philosophy
Coldstream Wealth Management seeks to build portfolios that combine non-correlated assets to balance and minimize risk without sacrificing returns. The firm frequently uses large- and small-cap stocks, a range of fixed-income instruments, alternative investments and tangible assets, like real estate and commodities.
The firm may also use hedge fund strategies, private equity, venture capital, leveraged buyouts, structured notes, private real estate partnerships and real estate-focused ETFs.
Coldstream Wealth Management relies on fundamental, technical and cyclical methods of analysis when analyzing securities, and portfolio managers at the firm also meet regularly to review and discuss the financial and economic trends affecting portfolios.
Fees Under Coldstream Wealth Management
Fees for investment management services are negotiable and range up to 1%, based on the size and complexity of the services required to manage the assets. A client’s specific advisory fees are disclosed in the client agreement. Fee rates can vary based on factors such as client type, asset class, pre-existing relationship, service levels, portfolio complexity, account size or other special circumstances or requirements.
These fees will be paid quarterly, in advance, based on the market value of your account on the last day of the prior quarter. Some existing clients may pay higher or lower fees than new clients, and some clients may pay management fees quarterly in arrears or on a non-quarterly frequency due to client agreements assigned through merger transactions. The table below shows how Coldstream Wealth Management's fees might look for a potential client.
For clients with more than $2 million in assets under management and clients who are paying at least $20,000 in annual fees, financial planning services are included in addition to the standard investment services. For clients looking solely for financial planning services, fees are negotiable based on the complexity and scope of the plan being requested.
Coldstream may also charge a retainer and/or hourly fees for private client services involving a higher level of structure and coordination with outside providers, such as estate planning, concierge, consulting and related services.
What to Watch Out For
Coldstream Wealth Management doesn’t have any disclosures on its legal and regulatory record, according to its Form ADV.
Some advisors at Coldstream Wealth Management are also registered representatives of Coldstream Securities, Inc., which is a registered securities broker-dealer. These advisors may receive commissions when conducting certain securities transactions in their capacity as Coldstream Securities representatives. The receipt of these commissions generates a potential conflict of interest, although the firm is bound by fiduciary duty. This means that it’s required, by law, to always act in the best interest of its clients.
Opening an Account With Coldstream Wealth Management
If you’d like to get in touch with Coldstream Wealth Management, the easiest way is to fill out the contact form on the firm’s website. The form will ask for your name, email address, phone number, company, asset range, area of interest and a brief message. If you’d like to contact a specific office, the respective phone numbers are listed on the contact page of the firm’s website as well.
All information is accurate as of the writing of this article.
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