Top Financial Advisors in Spokane, WA

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Quantum Financial Planning leads off our list of the top financial advisors in Spokane. Founded in 1979, Quantum Financial Planning Services is also the oldest on the list. As a fee-only firm, Quantum's advisors do not sell insurance or securities for commissions. Instead, the firm and its advisors are compensated only by client-paid fees. 

The team at Quantum holds a range of professional certications, including the Certified Financial Planner™ (CFP®), Chartered Financial Analyst (CFA), certified public accountant (CPA), accredited investment fiduciary (AIF) and financial paraplanner qualified professional (FPQP) designations. 

The firm doesn't explicitly require a minimum investment to open an account. However, it charges a minimum quarterly fee of $1,250 or $5,000 per year. Its client base primarily comprises individuals and high-net-worth individuals, although Quantum also works with charities and businesses. 

It begins many relationships with a broad financial plan that addresses client goals such as retirement planning, education funding, tax considerations and estate planning. Ongoing services may include cash flow management, investment oversight, insurance review and coordination with a client’s other professionals. Clients may also engage the firm for limited-scope or one-time planning services.

Quantum constructs portfolios using a strategic asset allocation approach, reviewing client objectives and adjusting allocations as needed. Portfolios are typically invested in mutual funds and exchange-traded funds (ETFs), though equities, bonds, municipal securities, CDs and U.S. government securities may also be used. The firm favors diversification across global markets and combines actively managed and passive funds. Quantum does not attempt to time the market but instead maintains target allocations with ongoing monitoring and rebalancing to align with client goals.

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Northern Capital Management, another fee-only practice, can trace its roots back to 1992. Today, it offers a comprehensive range of wealth and investment advisory services to individuals, families, charitable organizations and businesses. Most individual clients do not have a high net worth. 

Advisors on staff at Northern Capital Management have earn a variety of professional credentials, including the Certified Financial Planner™ (CFP®), certified public accountant (CPA), accredited investment fiduciary (AIF) and certified investment management analyst (CIMA).

Although the firm has been in business since the early 1990s, Northern Capital Management adopted its current name back in 2003. The financial planning services offered by the firm can touch on a wealth of topics, including developing cash flow plans, retirement planning, timing of Social Security, tax management, estate planning and preparing for your children’s college expenses. It also helps clients build investment portfolios on a discretionary and non-discretionary basis. 

Northern Capital Management primarily invests client assets in no-load/non-commissioned investment vehicles, including mutual funds and ETFs. This means sales charges and commissions won't reduce your account when you sell shares of funds.

In making investment decisions, the firm utilizes a range of resources and methodologies. These include research and analysis products by firms like Morningstar and fi360. The latter provides a fiduciary score on investments selected by the firm's investment committee.

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JMK & Associates is a fee-based advisory firm, which means its advisors can earn additional compensation for selling insurance and/or securities. These commissions, which are on top of the fees that clients pay for advisory services, create a conflict of interest because they give advisors a financial incentive to recommend certain products and services over others. However, as a fiduciary, the firm must always act in clients' best interests. 

The firm mostly works with individuals and high-net-worth individuals, but also has retirement plans and businesses as clients. The firm does not list a minimum account size. 

Founded in 2013, JMK & Associates offers investment management, financial planning, retirement strategies, estate planning, asset allocation and insurance/annuity planning. 

The firm emphasizes continuous and regular account supervision for every client portfolio. Every client’s investment strategy is tailored to their individual needs. Most portfolios include a combination of: 

• Individual stocks 
• Bonds
• ETFs
• Options
• Mutual funds
• Other public and private securities

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Fellowship Financial Planning is a fee-only advisory firm founded in 2024, making it the youngest practice on this list. Individuals without a high net worth comprise the the vast majority of Fellowship's client base, while high-net-worth individuals make up the rest. The firm does not require a minimum account size, though financial planning services begin at $1,500 per plan and consulting fees vary depending on the scope of services.

The firm provides investment management, financial planning and financial consulting. Investment management includes portfolio construction, investment selection, monitoring, rebalancing, reporting and discretionary trade execution. Financial planning services address investment advice, retirement planning, financial goal analysis and other personal financial matters. 

The Fellowship team features advisors who hold the Certified Financial Planner™ (CFP®), Chartered Financial Analyst (CFA), certified kingdom advisor (CKA), accredited investment fiduciary (AIF) and chartered retirement plans specialist (CRPS) designations.

Fellowship builds portfolios with a broad mix of securities, such as stocks, bonds, mutual funds, ETFs, certificates of deposit, real estate investment trusts, preferred stock, and U.S. Treasury bonds. It may also use structured notes, closed-end funds, unit investment trusts, and, in certain cases, options. The firm applies both quantitative and qualitative analysis, modern portfolio theory and charting to guide investment decisions. Strategies may involve long-term holdings, short-term purchases, and limited use of margin or options when necessary. 

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Columbia Advisory Partners (CAP) has been around since 2004 and began to offer investment advisory services starting in 2014. Previously, it only offered accounting services. It's no surprise that CAP has several certified public accountants (CPA) on staff, as well as Certified Financial Planners™ (CFP®) and other credentialed professionals. 

With no minimum to open an investment account, the firm primarily serves clients who do not have a high net worth. CAP also works with high-net-worth individuals and one pooled investment vehicle. 

Like some other firms on this list, several advisors at CAP are also insurance agents. In these non-advisor roles, they collect transaction-based commissions from third-party vendors. This has the potential to create a conflict of interest, though as an SEC-registered investment advisor, the practice has the fiduciary duty always to put clients' interests first.

In addition to asset management, the practice offers financial planning that can cover retirement planning, risk management, digital asset advice, estate planning and education planning.

Like many firms, Columbia Advisory bases its strategy on modern portfolio theory. As a result, it believes that with diversification, you can minimize risk and maximize returns. It primarily uses mutual funds representing various asset classes to diversify portfolios. Asset allocation software is utilized to determine the appropriate mix of asset classes for each portfolio and the firm says that it rigorously and regularly reviews mutual funds.

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Vickerman Investment Advisors, founded in 2021, offers investment management and financial planning services to individuals, high-net-worth individuals, foundations, employer-sponsored retirement plans, charitable organizations and businesses. 

The firm assists clients with portfolio management, trading and rebalancing, retirement and estate planning and tax consulting. It also offers an automated investing program, Buckets Investment Strategy, which builds portfolios based on risk tolerance and investment objectives but is not customized for each client.

The firm is a fee-only registered investment advisor, meaning its compensation comes solely from client fees rather than commissions on investment or insurance products. There is no stated account minimum, but clients pay fees based on assets managed and remain responsible for custodian and fund-level costs.

The firm has one Certified Financial Planner™ (CFP®) and certified public accountant (CPA) of staff. 

Like several other firms on this list, Vickerman’s investment approach is grounded in modern portfolio theory, focusing on diversification and the interaction of asset classes. Portfolios may include equities, fixed income securities, mutual funds, ETFs, U.S. government securities, real estate investment trusts, limited partnerships, unit investment trusts and direct participation programs. The firm employs both long-term and short-term investment strategies, tailoring portfolios to client goals while emphasizing risk management and portfolio balance.

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Lodestone Wealth Management, founded in 2009, provides discretionary portfolio management and tailored financial planning. More specifically, its services include customized investment management, estate and tax planning in some cases, as well as assistance with retirement account rollovers such as 401(k) and IRA transfers.

Clients complete a financial profile to establish goals, risk tolerance and investment preferences, which form the basis for portfolio design. The firm generally requires a $250,000 minimum account size, though this may be waived, and it offers financial planning separately for a fixed fee when requested.

The firm works with individuals, families, pension and profit-sharing plans, as well as charitable organizations. Portfolios are constructed primarily with ETFs, mutual funds, individual stocks and fixed-income securities. For accredited investors, Lodestone may recommend limited allocations to privately held securities, such as non-traded REITs, on a non-discretionary basis. The firm may also engage third-party managers to provide clients with access to certain investment strategies or funds not otherwise available.

Lodestone applies fundamental analysis and may use long-term holdings, short-term holdings or trading based on the situation. Portfolios are monitored and adjusted to remain aligned with client objectives. 

As a fee-based practice, at least one of its principals is also licensed to sell commission-based products, which creates potential conflicts of interest. Despite these conflicts, the firm has a fiduciary duty to act in clients' best interests. Lodestone has one certified public accountant (CPA) on staff. 

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MB Generational Wealth is the second-youngest firm on this list, having been founded in 2023. This fee-based practice provides investment management, financial planning, retirement plan advisory and consulting services to a client base primarily composed of individuals and high-net-worth individuals. However, the firm also works with charitable organizations and businesses. 

While there is no strict account minimum, the firm may decline accounts under $500,000. Advisors on staff do not sell insurance or securities, but the firm may receive additional compensation when clients invest in real estate that the firm has an interest in. This represents a conflict of interest, because MB Gen Wealth has a financial incentive to recommend these investments. However, the firm must act in its clients' best interests as a fiduciary. 

Services extend beyond portfolio management to include tax planning support, estate planning guidance and coordination with clients’ legal or tax professionals. 

Its investment approach is grounded in fundamental analysis, modern portfolio theory and cyclical analysis. Portfolios are typically built with diversified allocations across mutual funds, ETFs, individual stocks and bonds, and, in some cases, traded REITs. Asset allocation and rebalancing are emphasized to align portfolios with client objectives, and in certain situations, sub-advisors may be engaged. 

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Financial Forum is a fee-based practice that provides investment management and financial planning services to individuals, families, businesses and nonprofit organizations. The firm assists clients in areas such as asset management, retirement and education planning, estate and tax planning coordination, insurance and risk management, employee and executive benefits, as well as cash management.

Clients can also grant the firm access to manage employer-sponsored retirement plans and health savings accounts through third-party platforms. There is no minimum asset requirement to open an account, and financial planning services are available on an hourly basis.

The firm, which opened in 2020, has a fee-based compensation model, as certain advisors are licensed to sell insurance products and may receive commissions. These commissions are separate from advisory fees that clients pay, creating a potential conflict of interest. Despite this potential conflict, the firm has a fiduciary duty to act in its clients' best interests. 

Some clients may also participate in a wrap fee program, where advisory and transaction costs are bundled into a single fee, though the firm generally opens new accounts on a non-wrap basis. There is one Certified Financial Planner™ (CFP®) on staff at Financial Forum. 

The firm's investment philosophy is grounded in modern portfolio theory, emphasizing diversification across asset classes to manage risk. Portfolios may include equities, fixed income securities, mutual funds, ETFs, government securities, options, REITs, limited partnerships and annuities when suitable. The firm employs fundamental, technical and economic analysis to guide investment decisions and uses both long-term and short-term strategies. 

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Fortitude Financial, which has a $500,000 account minimum, rounds out our list of the top financial advisors in Spokane. This fee-based advisory firm offers portfolio management, financial planning, tax preparation and consulting services to a client base primarily composed of individuals who do not have a high net worth. The firm also serves some high-net-worth individuals and retirement plans. 

Advisors at Fortitude Financial can receive commissions for the sale of certain securities or insurance products. This creates a potential conflict of interest but the firm is bound by its fiduciary duty to put the client and the client’s needs first at all times. Members of the Fortitude Financial team have earned several professional credentials, including the Certified Financial Planner™ (CFP®), retired income certified professional (RICP), certified mutual fund counselor (CMFC), chartered financial consultant (ChFC) and enrolled agent (EA).

Founded in 2021, the firm's investment approach emphasizes diversification and asset allocation guided by both top-down economic analysis and bottom-up security selection. Top-down means starting with broad economic trends to determine allocations across asset classes, while bottom-up focuses on evaluating individual securities within those classes.

The firm manages portfolios using mutual funds, ETFs, REITs, individual securities, government and municipal bonds, cash, and variable insurance products. Strategies range from long-term buy-and-hold investing to short-term trading in certain cases, with conditional rebalancing to maintain alignment with client goals. Sustainable and socially responsible investment models incorporating ESG considerations are also available. Options may be used selectively for hedging or speculation.