Financial Plan, Inc. is an independent investment advisory firm based in Bellingham, Washington, providing portfolio management and financial planning services to individuals and families since 1996. The firm utilizes an enhanced passive investment strategy, primarily building diversified portfolios using low-cost mutual funds and exchange-traded funds from Dimensional Fund Advisors and other providers. Financial Plan, Inc. emphasizes broad market diversification, low turnover, and a scientific approach to capital markets rather than active market timing. Beyond core portfolio management, the firm provides comprehensive financial guidance that covers cash flow, retirement projections, insurance evaluations, and estate transition reviews, working alongside outside legal and insurance professionals to implement recommendations.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $2.0M | 0.20% |
| $2.0M - $3.0M | 0.15% |
| $3.0M - $4.0M | 0.10% |
| $4.0M - $10.0M | 0.05% |
| $10M+ | 0.03% |
The firm charges a minimum fee of $2,500 per quarter ($10,000 annually), which covers the first $1 million of investable assets, resulting in an effective rate of 1.0% for the first million.