The Top Financial Advisors in Edmonds, WA

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Sage Advisors has a small advisory team with several financial certifications, including two certified financial planners (CFPs), one chartered financial analyst (CFA), one chartered life underwriter (CLU) and one chartered financial consultant (ChFC). (Advisors may have multiple credentials.) The firm doesn’t require a minimum account size for investment advisory services. 

Some representatives of Sage Advisors are also brokers and/or insurance agents. These dual roles can create potential conflicts of interest. As advisors, they must recommend what’s in the best interest of their clients. But as brokers, they only have to make suitable recommendations. So when receiving advice, clients should make sure they know what it’s based on, in which role it is being given and how the advisor may benefit. 

Currently, the firm mostly works with individuals who do not have high net worths. However, Sage also advises high-net-worth clients and offers services to pension and profit-sharing plans, trusts, charities and corporations. 

Sage Advisors Background

Sage Advisors launched in 2001 and is owned by Russell D. Cole, Jordan Cole and David Heia. Russell Cole, the firm’s president, got his start in financial planning at MassMutual, where he worked for 20 years.

In addition to portfolio management and pension consulting services, Sage also offers stand-alone financial planning that may touch of a variety of topics, including:

• Budgeting and cash management
• Risk management
• Insurance planning
• Financial planning relating to divorce or marriage
• Retirement planning
• Estate planning
• Tax strategies
• Education funding

Sage Advisors Investment Strategy 

Sage conducts consultations with its clients to learn about their risk tolerance, goals and financial conditions. Based on this information, Sage recommends proprietary model portfolios it believes can help clients meet their objectives. Sage continuously manages these portfolios on a discretionary basis. This means the firm makes all investment decisions regarding these accounts.

The firm also provides access to separately managed accounts (SMAs) advised by third-party money managers. Additionally, Sage offers guidance on existing accounts such as 401(k)s and individual retirement accounts (IRAs). 

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Harbour Investment Management is a fee-based firm with offices in Edmond and Portland, Oregon. It currently has hundreds of millions in assets under management (AUM) and an advisory team with some chartered financial analysts (CFAs) and certified financial planners (CFP). 

Co-owner Aalok Shah also maintains interests in Zuna, a separate financial services firm. Zuna and Harbour Investment Management engage in a client referral program in which the two groups share advisory fees. This relationship can create potential conflicts of interest, as it gives Harbour Investment Management an incentive to recommend Zuna’s services over other third-party investment advisors. However, Harbour Investment Management has a fiduciary duty to provide advice in the best interests of its clients. 

Harbour Investment Management’s client base is generally split between individuals with and without high net worths. It also works with pension and profit-sharing plans, charities and corporations.

There is a $500,000 account minimum.

Harbour Investment Management Background 

Harbour Investment Management was formed in 1991. It is currently owned by founder Hans Berkenhoff, Erika Berkenhoff and Pacific Harbour Advisors, LLC (which in turn is owned by Shah.) Harbour Investment Management offers investment advice and financial planning services to the extent requested by the client. 

The team collectively has more than 60 years of experience in the industry.

Harbour Investment Management Investment Strategy 

The firm’s investment managers design portfolios based on the risk tolerance and goals of the client. Harbour Investment Management limits portfolio exposure to stocks, mutual funds and exchange-traded funds (ETFs), bonds, certificates of deposit (CDs), cash and money market instruments. Currently, all accounts are managed on a discretionary basis only, meaning Harbour Investment Management's advisors make all portfolio decisions. 

Bogdanovich Wealth Management is an RIA firm led by one individual investment advisor: Jeffrey J. Bogdanovich. Responsible for millions in assets under management, he holds the certified public accountant (CPA) and personal financial specialist (PFS) designations. 

Bogdanovich doesn’t impose a minimum account size requirement for investment advisory services. He provides services on a fee-only basis, so his compensation comes directly from the fees that clients pay, not from third-party firms for recommending products.

Bogdanovich works with individuals and high-net-worth individuals in addition to pension and profit-sharing plans.

Bogdanovich Wealth Management Background 

Bogdanovich established his RIA business in 2018 but has been a CPA for 38 years and a financial advisor for 22 years. He currently provides investment and financial planning consultations to the extent required by the client. 

Bogdanovich Wealth Management Investment Strategy

Bogdanovich takes into account the client’s risk tolerance and financial situation to design a proper stock and bond asset allocation. He may also recommend index mutual funds. Bogdanovich generally avoids active investing, which involves trading in and out of securities based on predictions about when and where sectors will experience gains and losses.

TFS Advisors is a fee-based investment advisory firm that offers the services of wealth management, overall investment supervisory and the selection of other advisors. As a fee-based firm, its advisors may earn a commission on the sale of certain securities. While this can create a potential conflict of interest, the firm and its advisors are bound to a fiduciary duty that legally binds the firm to work in the best interest of its clients. 

There is a minimum account size of $500,000 to work with the firm. The firm is willing to work with individuals, families, high-net-worth individuals, pension and profit-sharing plans and business owners. 

TFS Advisors Background 

The firm was founded in 2008 by Dale Terwedo, who has been in practice since 1983. The firm now has two financial advisors that collectively have more than $120 million in assets under management. 

TFS Advisors Investment Strategy

TFS Advisors uses a long-term strategy for its asset allocation with its own clients. Each default strategy is considered to be passive in nature through the use of institutional funds. The firm does not utilize short-term trading or market timing approaches with its clients' portfolios. The firm also uses a fundamental analysis approach to decipher the potential future value of a stock. Some of the investments included in clients' portfolios include mutual funds, equities, bonds, REITs, exchange-traded funds (ETFs) and fixed-income securities.