Audrey Emerson is a CFP-designated registered investment advisor at Adviceonly, based in Bellingham, WA, with 4 years of industry experience. Audrey operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Business Owners, Education Planning, Estate Planning, Financial Planning & Coaching, and 6 more.
Compensation
Firm Size
IM Fee
Fee Structure
AdviceOnly charges an upfront fee ranging from $0 to $10,000 for onboarding and data gathering, plus a recurring annual fee ranging from $0 to $25,000 for ongoing guidance. The total fee depends on the complexity of your financial situation and is payable monthly, quarterly, or on an agreed schedule. Ongoing planning includes:
- Regular meetings throughout the year to monitor your progress
- Follow-up communication via phone or email
- Plan monitoring, updates, and assistance with executing action steps
- Project-based financial planning — a flat fixed fee ranging from $0 to $50,000 depending on the complexity of your situation and scope of services, covering specific topics and resulting in a detailed written or electronic plan.
- Hourly financial planning — charged at a rate ranging from $50 to $600 per hour for specific discussions and guidance, with meeting summary notes provided upon request.
Contact
Audrey Emerson
Location
Bellingham, WA
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Regulatory History
No disclosures, customer disputes, or regulatory actions on file.
Disclosures include customer complaints, regulatory actions, and other events that advisors must report to the SEC. A clean record means none have been reported.
Learn about disclosures →Employment History
Current Registrations
Adviceonly
Previous Registrations
Cultivating Wealth
State Registrations2 states
You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.
Exams
Additional Information
Cents of Joy offers financial planning and personal investment advice without managing your accounts. In the industry, this is known as advice-only. This means we have no minimum asset or income level but rather, we focus solely on understanding your unique circumstances and provide objective recommendations aligned with your values, always acting in your best interest. We charge a flat rate based on an estimated number of hours and our hourly rate is $300.
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