Fap,Llc
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
FAP, LLC is a small advisory firm serving a limited number of clients with financial planning services, including retirement, tax, estate, business planning, risk/insurance analysis, and rollover guidance. The firm does not act as a portfolio manager, does not take custody of client assets, and reports no assets under management.
The firm’s planning process begins with a formal consultation and can produce written plans and projections tailored to a client’s stated goals and assumptions; the brochure notes the firm uses technical analysis and a tactical asset allocation framework when offering investment guidance. Implementation of plan recommendations is typically performed separately—often through the firm’s licensed representatives at Commonwealth—so clients frequently pay transactional commissions or insurance commissions in addition to planning fees.
Compared with peers, FAP is unusual in that it does not use percentage-of-AUM billing and does not provide discretionary portfolio management, relying instead on hourly planning engagements and client-directed implementation. The firm’s advisory personnel hold multiple professional licenses and credentials, a majority of the principal’s compensation has historically come from securities and insurance sales, and the firm discloses platform benefits and transitional loans from Commonwealth/LPL that create potential conflicts of interest tied to using that broker/dealer for implementation.
Client services
Expertise
Fee options
Commissions and/or fees for implementation of financial planning recommendations through Commonwealth Financial Network; includes asset management fees, commissions, 12b-1 fees, and internal mutual fund expenses.
$390 per hour (non-negotiable) for financial planning services
Fee-only: $390 per hour for financial planning services
Main office
11004 NE 11th Street, Suite 110
Bellevue WA 98004
Advisors at this office
3
Most active in
Washington
Also doing business as
Fap, LLC · Fap,LLC · Financial Advisory Partners · Mccray, Sally L.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
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.
Forms ADV
Advisors at this firm
Nicoletta S
CFP®, Series 63, Series 66
Bellevue, WA
Fap,Llc
Nicoletta Schaff is a CFP®-designated financial advisor with eight years of industry experience, currently with FAP, LLC in Bellevue, WA. Her prior roles include positions at Financial Advisory Partners and Commonwealth Financial Network. FAP, LLC is a small advisory firm focusing on financial planning services such as retirement, tax, estate, business planning, risk/insurance analysis, and rollover guidance. The firm emphasizes hourly planning engagements and client-directed implementation rather than discretionary portfolio management or percentage-of-AUM billing.
Sally M
CFP®, Series 63
Bellevue, WA
Fap,Llc
Sally Mccray is a CFP® with 40 years of experience in the financial services industry. She is associated with FAP, LLC and has worked at Commonwealth Financial Network since 2020. Prior to that, she spent nearly two decades with KMS Financial Services and has been involved with Financial Advisory Partners since 2001. FAP, LLC is a small advisory firm that provides financial planning services to a limited number of clients, focusing on areas such as retirement, tax, estate, and business planning. The firm emphasizes hourly planning engagements and client-directed implementation, without discretionary portfolio management or custody of client assets.
Hannah A
CFP®, Series 63, Series 66
Bellevue, WA
Fap,Llc
Hannah Ahmed is a CFP® certificant with 19 years of experience in the financial services industry. She has worked at firms including Commonwealth Financial Network, Stack Financial Management, Merriman Wealth Management, Fisher Investments, Morgan Stanley, UBS Financial Services, and Citigroup Global Markets. Ahmed is also an investment adviser representative of Financial Advisory Partners, where she provides financial planning services. FAP, LLC is a small advisory firm focused on financial planning including retirement, tax, estate, business planning, risk/insurance analysis, and rollover guidance. The firm does not manage client assets but offers technical analysis and tactical asset allocation in its investment guidance, with implementation typically handled separately through licensed representatives.
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