Financial Plan provides financial planning, portfolio management for individuals and small businesses, estate planning, and insurance. Financial planning was provided to 26–50 clients last fiscal year.
Financial Plan reports 924 clients. They include 596 individual clients, 309 high-net-worth individuals and 19 charitable organizations. Of its assets, 100.0% ($1.6B across 4,049 accounts) are managed with discretion. Of its clients, 1% are outside the U.S. It advised 26 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 65% | 32% |
| High-net-worth individuals | 33% | 68% |
| Charitable organizations | 2% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 596 | $511M | 31.9% | $858K |
| High-net-worth individuals | 309 | $1.08B | 67.6% | $3.51M |
| Charitable organizations | 19 | $9.19M | 0.6% | $483K |
| Total | 924 | $1.6B | 100% | $1.74M |
- Clients
- 596
- Regulatory AUM
- $511M
- AUM share
- 31.9%
- Avg. per client
- $858K
- Clients
- 309
- Regulatory AUM
- $1.08B
- AUM share
- 67.6%
- Avg. per client
- $3.51M
- Clients
- 19
- Regulatory AUM
- $9.19M
- AUM share
- 0.6%
- Avg. per client
- $483K
Total
- Clients
- 924
- Regulatory AUM
- $1.6B
- AUM share
- 100%
- Avg. per client
- $1.74M
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 26
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 26–50
Financial Plan is paid through a percentage of assets under management and hourly charges. The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning and Consultation
- Investment consultation and financial planning are billed at flat hourly rates: $500 an hour for the lead advisor, $250 for an associate advisor and $150 for the operations director.
James Twining owns 25% to 50% of Financial Plan. James Twining is CEO; the leadership team includes Chief Investment Officer William Wolf and Chief Compliance Officer David Dick. It has 12 employees, 11 of them in advisory roles.
Leadership
- James TwiningChief Executive Officer
- David DickChief Compliance Officer
- Gabriel TwiningChief Personnel Officer
- Nathan TwiningChief Technology Officer
- William WolfChief Investment Officer
Investment adviser representatives
13 representatives listed in the SEC register as of 9 October 2026.
- David Alden Dick
- Justin Lloyd Gross
- Lydia Chung Lok
- Kelsey Lynn Bouwman Martin
- Dillon Augustus Quintana
- Gabriel Aaron Twining
- James Barber Twining
- Nathan James Twining
- Quinn Thomas Vicars
- Mailinh Rose Tenorio Vu
- Levi Brian Westra
- William Devin Wolf
- Andrew Martin Zender
Staff
- 12 employees
- 11 in advisory functions
- 11 state-registered reps
- Owns 25% to 50% of Financial Plan, Inc.
James Twining
Control person · since August 1997
- Owns 25% to 50% of Financial Plan, Inc.
William Wolf
Control person · since January 2015
- Owns 10% to 25% of Financial Plan, Inc.
David Dick
Control person · since January 2018
- Owns 10% to 25% of Financial Plan, Inc.
Nathan Twining
Control person · since January 2015
- Owns 5% to 10% of Financial Plan, Inc.
Gabriel Twining
Control person · since January 2020
Financial Plan’s regulatory assets grew 2.3× from $713M (March 2021) to $1.6B (March 2026); clients rose from 656 to 924 and employees were 12 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $1.6B | 924 | 12 | 1 |
| March 2025 | $1.23B | 846 | 16 | 1 |
| February 2024 | $1.05B | 888 | 17 | 1 |
| March 2023 | $845M | 725 | 15 | 1 |
| March 2022 | $936M | 663 | 14 | 1 |
| March 2021 | $713M | 656 | 12 | 1 |
Besides its headquarters, Financial Plan has 0 offices, with 1 listed address in Washington.
Washington · 1 listed address
- 11 Bellwether Way, Suite 301, BellinghamHQ
Contact and registration details
- Legal name
- Financial Plan, Inc.
- Headquarters
- 11 Bellwether Way, Suite 301, Bellingham, WA 98225-2956
- Website
- financialplaninc.com
- Phone
- 360-714-1234
- @3755810
- SEC file
- 801-77339
- Founded
- 1996
- Structure
- Washington corporation
- Fiscal year end
- December
Financial Plan uses Pershing ($1.47B) as custodian for its separately managed accounts. Financial Plan has custody of $2.05M in client assets for 4 clients.
- PershingPershing Advisor Solutions LLC · Jersey City, NJ · $1.47B100%
At year end, Financial Plan’s separately managed accounts were mostly in funds (92%). Its reported 13F holdings for the quarter ended 30 June 2026 total $1.05B across 95 positions; the largest are American Centy ETF TR (17.4%), Dimensional ETF Trust (15.6%) and American Centy ETF TR (10.2%).
What the accounts hold
- Stocks4%
- Exchange-traded equities3%
- Non-exchange-traded equities1%
- Funds92%
- Bonds2%
- U.S. government and agency bonds1%
- Investment grade corporate bonds1%
- Cash2%
Reported 13F holdings
- $1.05B
- Reported 13F value
- 95
- Positions
- 72.6%
- In the 10 largest
- +13.0%
- Value vs. prior quarter
- American Centy ETF TR · US EQT ETF17.4%
- Dimensional ETF Trust · US Cor Equ 2 ETF15.6%
- American Centy ETF TR · Intl EQT ETF10.2%
- Dimensional ETF Trust · Intl Core Equity5.7%
- Dimensional ETF Trust · Shor Dur Fix ETF4.7%
- American Centy ETF TR · Avantis Emgmkt4.7%
- American Centy ETF TR · Avantis Shfxdinc4.1%
- Vanguard Malvern Fds · Strm Infproidx3.7%
- American Centy ETF TR · Real Estate ETF3.6%
- Dimensional ETF Trust · Emerging Mkts CO2.9%
Together, the ten largest are 72.6% of reported value.
How many clients does Financial Plan have?
Financial Plan has 924 clients and manages $1.6 billion for them, as of March 2026. They include 596 individual clients, 309 high-net-worth individuals and 19 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 16 March 2026
What services does Financial Plan offer?
Financial Plan provides financial planning, portfolio management for individuals and small businesses, estate planning, and insurance.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does Financial Plan use?
Financial Plan’s separately managed account assets are held at Pershing Advisor Solutions LLC (Jersey City, NJ), with $1.47B. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 16 March 2026
How many financial advisors does Financial Plan have?
Financial Plan has 11 investment adviser representatives registered with state securities authorities, out of 12 employees, and 11 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Financial Plan invest in?
At the end of its last fiscal year, Financial Plan’s separately managed accounts held 92% registered funds (mutual funds, ETFs, BDCs), 3% exchange-traded equities, 2% cash and equivalents, 1% non-exchange-traded equities, 1% U.S. government and agency bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Financial Plan?
Financial Plan’s direct owners are James Twining, David Dick, William Wolf, Nathan Twining and Gabriel Twining, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 16 March 2026
How does Financial Plan get paid?
Financial Plan is paid through a percentage of assets under management and hourly charges. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Financial Plan registered with the SEC?
Yes, Financial Plan has been registered with the SEC as an investment adviser since 15 November 2012. Its CRD number is 116073 and its SEC file number is 801-77339.
Source: Form ADV Part 1A, Item 1, filed 16 March 2026; IAPD firm record
How do I contact Financial Plan?
Financial Plan’s main office is at 11 Bellwether Way, Suite 301, Bellingham, WA 98225-2956. Its phone number is 360-714-1234. Its website is financialplaninc.com.