NW Straits Financial Services
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
NW Straits Financial Services LLC provides discretionary investment management and project-based, non-discretionary personal financial consulting for individual and high‑net‑worth clients. The firm operates as a solo, fee‑only registered adviser with a small client base and manages client accounts on a discretionary basis.
Investment approach emphasizes passive, index‑based portfolios constructed around a client‑specific asset allocation and periodic rebalancing, guided by a semi‑strong view of market efficiency. Planning and portfolio decisions are driven by clients’ time horizons and a defined “risk runway,” with de‑risking as clients approach withdrawal events.
Noteworthy features include the principal’s prior senior institutional experience in investment operations and portfolio implementation, and the firm’s ownership of a public transparency reporting platform plus occasional community‑college personal finance instruction — activities that are uncommon for a one‑advisor independent firm. The firm also relies on a technology‑focused custodian to support model construction and account administration and states it receives compensation only directly from clients rather than from third parties.
Client services
Expertise
Fee options
$0 - $150,000: 0.1625% monthly $150,001 - $250,000: 0.0875% monthly $250,001 - $500,000: 0.0625% monthly $500,001 - $1,000,000: 0.0500% monthly $1,000,001 - $2,000,000: 0.0375% monthly $2,000,001 - $3,000,000: 0.0250% monthly $3,000,001+: 0.0125% monthly
$300 per hour, negotiable, billed in half-hour increments for Personal Financial Consulting
Account minimum: $150,000 Fee-only: $300 per hour, negotiable, billed in half-hour increments for Personal Financial Consulting
Main office
Bellingham WA
Advisors at this office
1
Most active in
Washington
Also doing business as
Nw Straits Financial Planning · Nw Straits Financial Services · Nw Straits Financial Services LLC · Rycots LLC
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
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