Kirwin Financial is an independent advisory firm founded in 2021 and based in Issaquah, Washington. The firm offers project-based financial planning, ongoing financial planning, and combined investment management services. Kirwin Financial operates as a fee-only firm, meaning all compensation comes directly from clients without commissions or product sales. The firm utilizes third-party platform GeoWealth to manage investment portfolios using model portfolios primarily composed of exchange-traded funds and mutual funds, with a focus on passive, strategic asset allocation. In addition to investment management, Kirwin Financial provides specialized planning in areas such as retirement, college funding, business exit strategies, cash flow management, tax planning strategies, estate planning, and employee benefits. The firm does not have a strict minimum account size requirement, though an annual minimum fee applies to investment management accounts.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 1.20% |
| $250K - $700K | 1.00% |
| $700K - $2.5M | 0.50% |
| $2.5M+ | 0.25% |
Subject to a minimum annual fee of $3,500. Fees are calculated using blended rates across household accounts.
