Commencement Financial Planning LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides fee-only comprehensive financial planning and wealth management to individuals and families, offering both asset-based portfolio management and hourly, project-based planning engagements. Services include development of financial plans and investment policy statements, assistance implementing portfolios (primarily through mutual funds and ETFs), and ongoing consultative portfolio oversight.
The firm emphasizes a collaborative, consultative process and manages client accounts on a non-discretionary basis, meaning it seeks client approval before implementing trades — a practice that is uncommon among independent advisory peers. Its recommendations favor low-cost passive mutual funds and ETFs as core holdings, periodic rebalancing, attention to tax-loss harvesting, and bond allocations that include constrained duration exposure, TIPS, and hedging for foreign-currency bond exposure.
Noteworthy features include managing approximately $121.7 million of client assets entirely on a non-discretionary basis (with an additional $7.1 million advised), a structure that can lead to individualized trade timing and execution outcomes. The firm also imposes (but may waive) an account minimum for asset-based engagements, does not employ third-party managers or offer a wrap program, and requires clients to use its recommended custodian when the firm executes transactions on their behalf.
Client services
Expertise
Fee options
0.00% to 0.80% per annum
$400/hour
Account minimum: $1,000,000 Fee-only: Fee-only comprehensive financial planning and wealth management services
Main office
Lakewood WA
Advisors at this office
1
Most active in
Washington
Disclosures
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Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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