# Financial Plan, Inc.

> Financial Plan, Inc. is an SEC-registered investment advisory firm in Bellingham, WA, registered since 2012, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated March 16, 2026.

- CRD: 116073
- Filed as: FINANCIAL PLAN, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Bellingham, WA
- Filing period: October 2026
- Form ADV filing dated: March 16, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/116073
- AdvisorCensus page: https://advisorcensus.com/firm/financial-plan-inc-bellingham-wa-116073

## Quick answers

**How is Financial Plan, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Financial Plan, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges.

**How much does Financial Plan, Inc. charge?**
Its Form ADV Part 2A brochure dated March 16, 2026 states: Hourly rate: $500 an hour (investment consultation or financial planning services (Lead Advisor)). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Financial Plan, Inc. located?**
Financial Plan, Inc.'s principal office is in Bellingham, WA, according to its Form ADV.

**Is Financial Plan, Inc. registered with the SEC or a state?**
Financial Plan, Inc. is an SEC-registered investment advisory firm, registered since 2012. Status as filed: Approved. CRD 116073.

**How much does Financial Plan, Inc. manage?**
Financial Plan, Inc. reports $1,604,659,908 in regulatory assets under management in its Form ADV filing dated March 16, 2026 (100% discretionary).

**How have Financial Plan, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for Financial Plan, Inc.: Regulatory assets under management: $713,018,175 in the October 2021 data and $1,604,659,908 in the October 2026 data, up 125%. Total employees: 12 in October 2021 and 12 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Financial Plan, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (596); high net worth individuals (309); charitable organizations (19).

**Which custodians does Financial Plan, Inc. use?**
Financial Plan, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Pershing Advisor Solutions LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Financial Plan, Inc. report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/116073

**Does Financial Plan, Inc. state an account minimum?**
Its Form ADV Part 2A brochure dated March 16, 2026 says: "We provide investment and financial advisory services to individuals and high net worth individuals. We do not have a stated minimum account size."

**What changed in Financial Plan, Inc.'s recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 9 to 11. Regulatory assets under management went from $1,230,502,053 to $1,604,659,908 (+30%). Registered or notice-filed in AK, KS.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated March 16, 2026)

- Account minimum: None

> We provide investment and financial advisory services to individuals and high net worth individuals. We do not have a stated minimum account size.

- Hourly rate: $500 an hour (investment consultation or financial planning services (Lead Advisor))

> We also offer investment consultation or financial planning services billed at the following flat hourly rates: $500/hour (Lead Advisor)

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Pershing Advisor Solutions LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $1,604,659,908
- Discretionary: $1,604,659,908
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 596 | $511,410,446 |
| High net worth individuals | 309 | $1,084,064,452 |
| Charitable organizations | 19 | $9,185,010 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2012 (13 years)
- Employees: 12 total, 11 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AK, AZ, CA, ID, KS, LA, MT, OR, TX, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- financialplaninc.com
- Facebook @FINANCIALPLANINC
- LinkedIn @3755810
- X @FPINCBELLINGHAM
- YouTube @UCEC_UPDXVGJCTWGZBQG6ZFQ

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $713,018,175 | 12 | September 23, 2021 |
| October 2022 | $935,880,675 | 14 | August 9, 2022 |
| October 2023 | $845,050,649 | 15 | March 31, 2023 |
| October 2024 | $1,053,171,705 | 17 | February 12, 2024 |
| October 2025 | $1,230,502,053 | 16 | March 19, 2025 |
| October 2026 | $1,604,659,908 | 12 | March 16, 2026 |

Regulatory assets under management: $713,018,175 in the October 2021 data and $1,604,659,908 in the October 2026 data, up 125%.
Total employees: 12 in October 2021 and 12 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 9 to 11.
- Regulatory assets under management went from $1,230,502,053 to $1,604,659,908 (+30%).
- Registered or notice-filed in AK, KS.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Financial Plan, Inc. (CRD 116073): Form ADV filing data as of October 2026.