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Leeward Financial Partners Review

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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.

Leeward Financial Partners is a financial advisor firm located in Bellevue, Washington. The firm's small staff provides broad portfolio management services to its clients, in addition to financial planning and consulting. Leeward's client base consists mainly of individuals, although it also works with at least one charitable organization.

Leeward is a fee-only firm, only receiving compensation in the form of advisory fees paid by clients. This type of firm operates differently from a fee-based firm, which may receive commissions from third parties in addition to any client-paid fees.

Leeward Financial Partners Background

Leeward Financial Partners was established in 2017 by president and chief investment officer (CIO) Michael D. Emery and CEO James M. Ridgeway. Emery and Ridgeway, who have a combined 50-plus years of experience in the financial services industry, own the firm. Emery is also a chartered financial analyst (CFA).

Leeward Financial Partners Client Types and Minimum Account Size

Leeward Financial Partners' small client base is mostly composed of individuals and high-net-worth individuals. As mentioned earlier, it does work with one charitable organization and is open to advising limited liability companies, partnerships, trusts, corporations, among other entities.

In order to open an account at Leeward Financial Partners, you'll need at least $2 million in investable assets. The firm may decide to reduce or waive this requirement at its discretion.

Services Offered by Leeward Financial Partners

Through separately managed accounts (SMAs), Leeward Financial Partners works with clients to provide investment management services, along with a selection of financial planning and consulting offerings. All advisory services take into account the financial needs and objectives of clients. The firm typically carries out its services on a discretionary basis, though in some cases clients can impose restrictions on how their assets are handled.

Leeward Financial Partners Investment Philosophy

Leeward Financial Partners looks to tailor its investment advisory services to the needs of clients. This involves taking into account their financial objectives, risk tolerance, time horizon, investment history and other important factors. Clients are encouraged to reach out whenever their situation changes so the firm can make appropriate alterations to their portfolio. In order to ensure their intended portfolio plan remains intact, the firm regularly monitors client portfolios.

When it comes to investing, Leeward typically crafts client portfolios using a combination of exchange-traded funds (ETFs) and stocks. However, the firm's advisors may also utilize mutual funds, bonds or other securities if they fall in line with the client's stated investment goals. Advisors typically take a long-term approach to investing, with asset allocation and portfolio diversification principles being of the utmost importance.

Fees Under Leeward Financial Partners

Investment management fees at Leeward Financial Partners are charged based on a percentage of each client's total assets under management (AUM). Rates are negotiable and based on the fair market value of a client's AUM and the scope and complexity of the required services. However, asset-based fees will not exceed 1.25% annually.

Here's a look at the current fee schedule at Leeward Financial Partners:

Amount of Assets Management Fee
Up to $250,000 1.25%
$250,000 - $1MM 1.00%
Next $2MM 0.85%
Next $2MM 0.75%
Above $5MM 0.60%

Here's how much you can expect to pay in advisory fees based on the size of your account:

*Estimated investment management fees do not include brokerage, custodial, third-party manager or other fees, which can vary in amount.
Estimated Investment Management Fees at Leeward Financial Partners*
Your Assets Leeward Financial Partners Fee Amounts
$500K $5,625
$1MM $10,625
$5MM $42,625
$10MM $72,125

Financial planning and consulting services operate on a negotiable flat fee structure or as a combination of a flat fee and an asset-based fee. The firm negotiates the timing of fee payments on an individual basis.

What to Watch Out For

Leeward Financial Partners does not have disclosures listed on the Form ADV that it filed most recently with the U.S. Securities and Exchange Commission.

Opening an Account With Leeward Financial Partners

To open an account with Leeward, call (206) 718-6644 or go online to its website and submit a contact form so an advisor can reach out to you directly.

All information is accurate as of the writing of this article.

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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.

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