Financial Plan, Inc.

Lydia Lok is a financial advisor at Financial Plan, Inc. with five years of industry experience. She holds the Series 65 and Series 66 designations and has previously worked at Trinity Legacy Partners, LLC, Usaa, and AIG-Valic among other firms. Financial Plan, Inc. provides discretionary investment management and financial planning services to individuals, high-net-worth clients, and select foundations, associations, and non-profits. The firm employs an enhanced passive investment approach based on the Fama–French factors, primarily using low-turnover mutual funds and ETFs, including core equity positions in Dimensional Fund Advisors funds.

Gabriel Twining is a CFP® and Series 65–licensed advisor at Financial Plan, Inc. in Bellingham, WA, with 10 years of industry experience. He has been with Financial Plan, Inc. since 2015. Financial Plan, Inc. provides discretionary investment management and financial planning services to individuals, high-net-worth clients, and select foundations, associations, and non-profits. The firm employs an enhanced passive investment approach based on the Fama–French dimensions of return, primarily using low-turnover mutual funds and ETFs, including Dimensional Fund Advisors funds as a core equity component.

Quinn Vicars is a financial advisor at Financial Plan, Inc. with one year of industry experience. He holds the Series 65 designation and has previously worked at Barrett Financial and Kestra Advisory Services, LLC. Financial Plan, Inc. provides discretionary investment management and financial planning services to individuals, high-net-worth clients, and select foundations, associations, and non-profits. The firm employs an enhanced passive investment approach focused on factor-based strategies and primarily uses low-turnover mutual funds and ETFs.

Mailinh Vu is a financial advisor at Financial Plan, Inc. with a Series 65 credential and one year of industry experience. Prior to joining Financial Plan, Inc., she worked at Private Client Fiduciary and has a background in education, having taught at Biola University, Arlington High School, and Haller Middle School. Outside of her advisory role, she is involved with Bogey's Indoor Golf. Financial Plan, Inc. provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, and select institutional clients. The firm employs an enhanced passive investment approach, focusing on broadly diversified portfolios using low-cost mutual funds and ETFs, primarily managed through Dimensional Fund Advisors.

Kelsey Martin is a CFP® and Series 65-licensed financial advisor with five years of industry experience. She has worked at Financial Plan, Inc. since 2019 and previously at Peoples Bank from 2017 to 2019. Financial Plan, Inc. provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, and selected institutional clients. The firm employs an enhanced passive investment approach, using broadly diversified, low-cost mutual funds and ETFs, primarily managed through Dimensional Fund Advisors, and oversees approximately $1.23 billion in client assets.

Nathan Twining is a CFP® professional with 13 years of industry experience, currently serving as an advisor at Financial Plan, Inc. in Bellingham, WA, where he has worked since 2011. He holds a Series 65 license and is part of a nine-advisor team. Financial Plan, Inc. provides discretionary portfolio management and financial planning to individuals, high-net-worth clients, and select institutional clients such as foundations and nonprofit organizations. The firm employs an enhanced passive investment approach, utilizing broadly diversified, low-cost mutual funds and ETFs, with a primary focus on Dimensional Fund Advisors' equity funds.

James Twining is a CFP® with 29 years of experience in the financial industry. He has been with Financial Plan, Inc. since 1997 and continues to serve as part of its nine-advisor team in Bellingham, WA. Financial Plan, Inc. provides discretionary portfolio management and financial planning to individuals, high-net-worth clients, and selected institutional clients. The firm employs an enhanced passive investment approach using low-cost mutual funds and ETFs, primarily managed through Dimensional Fund Advisors, and manages approximately $1.23 billion in client assets.

William Wolf is a CFP® and holds a Series 66 license with 15 years of industry experience. He has been with Financial Plan, Inc. since 2010. Wolf has a passive ownership interest in a small business outside the financial sector. Financial Plan, Inc. provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, and select institutional clients. The firm employs an enhanced passive investment approach, using broadly diversified portfolios with low-cost mutual funds and ETFs, primarily managed through Dimensional Fund Advisors.

Levi Westra is a financial advisor at Financial Plan, Inc. in Bellingham, WA, holding a Series 65 designation with one year of experience at the firm. His prior roles include positions at Hollander Hospitality, Calvin University, Lynden Door, and Lynden Christian School. Financial Plan, Inc. provides discretionary portfolio management and financial planning to individuals, high-net-worth clients, and select institutional clients. The firm employs an enhanced passive investment approach using broadly diversified, low-cost mutual funds and ETFs, primarily managed by Dimensional Fund Advisors.

David Dick is a CFP® and holds a Series 66 license with 23 years of industry experience. He has been with Financial Plan, Inc. since 2000. Outside of his advisory role, he is a passive owner of the Mustard Seed restaurant in Buhler, Kansas. Financial Plan, Inc. provides discretionary portfolio management and financial planning to individuals, high-net-worth clients, and selected institutional clients. The firm employs an enhanced passive investment approach, utilizing broadly diversified, low-cost mutual funds and ETFs, primarily managed by Dimensional Fund Advisors.

Andrew Zender is a CFP® and Series 65-licensed advisor with Financial Plan, Inc. in Bellingham, WA, bringing five years of industry experience. He has worked at Financial Plan, Inc. since 2018 and has also been employed by Mt Baker School District since 2021. Previously, he spent a year with the U.S. Forest Service and nine years in high school and college roles. Financial Plan, Inc. serves individuals, high-net-worth clients, and selected institutional clients with discretionary portfolio management and financial planning. The firm employs an enhanced passive investment strategy focused on broadly diversified, low-cost mutual funds and ETFs, primarily using Dimensional Fund Advisors as its equity manager.

Dillon Quintana is a Series 65 licensed advisor with Financial Plan, Inc. in Bellingham, WA, where he has worked since 2023. He has two years of industry experience, including prior roles at Peoples Bank WA and involvement with Fairhaven Runners Inc., a retail business specializing in shoes, apparel, and accessories, where he serves as a shareholder. Financial Plan, Inc. provides discretionary portfolio management and financial planning to individuals, high-net-worth clients, and select institutional clients. The firm employs an enhanced passive investment strategy using low-cost mutual funds and ETFs, primarily managed by Dimensional Fund Advisors, and manages approximately $1.23 billion in assets across nine advisors.

Justin Gross is a CFP® and holds a Series 65 license with nine years of industry experience, currently serving as a financial advisor at Financial Plan, Inc. in Bellingham, WA. He has been with Financial Plan, Inc. for ten years. Financial Plan, Inc. provides discretionary investment management and financial planning services to individuals, high-net-worth clients, and select foundations, associations, and nonprofits. The firm employs an enhanced passive investment approach based on the Fama–French dimensions of return, primarily using low-turnover mutual funds and ETFs, including Dimensional Fund Advisors funds as a core equity component.