On Course Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
On Course Financial Planning provides financial planning and investment advisory services primarily to individual clients, including high-net-worth individuals. The firm offers written financial plans billed on an hourly basis and separately managed investment accounts billed as asset-based advisory engagements.
The firm employs a passive, indexing approach using globally diversified portfolios of index mutual funds and ETFs, with asset-allocation decisions made after a client risk questionnaire and implemented on a discretionary basis. Accounts are reviewed at least annually, portfolios are rebalanced periodically, and the adviser operates under a fee-only, fiduciary model without performance-based fees.
What is distinctive is the firm’s scale and operating model: it manages roughly $69 million in discretionary assets for about 30 clients as a single-advisor practice, resulting in a relatively high level of assets per advisor while maintaining no stated account minimum. The brochure also discloses key-man risk and a formal succession arrangement with another advisory firm to address continuity, and notes operational choices — such as not aggregating trades and not voting client proxies — that differ from many peers.
Client services
Expertise
Fee options
$0 - $500,000: 1.00% $500,001 - $1,000,000: 0.75% $1,000,001 - $2,000,000: 0.50% $2,000,001+: 0.25%
Negotiable up to $200 per hour for financial planning services
Fee-only: Fee-only (no commissions)
Main office
Woodinville WA
Advisors at this office
1
Most active in
Washington
Also doing business as
On Course Financial Planning · On Course Financial Planning, 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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")