Senior Financial Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Senior Financial Advisors, Inc. provides written financial planning and retirement plan participant advisory services to individuals and institutional entities such as pension and profit‑sharing plans, trusts, estates and business clients. Financial planning engagements result in a written report with implementation left to the client unless a subsequent agreement is executed.
The firm typically bills its planning work on an hourly basis and delivers detailed, non‑discretionary recommendations; it does not offer discretionary portfolio management and planning relationships generally end at plan delivery. For retirement plan participants who elect advisory services, SFAI offers a separate, tiered asset‑based program billed on a periodic basis.
Compared with peers in the investment‑manager category, SFAI’s emphasis on hourly billing for core planning services is less common among firms that more often rely on percentage‑of‑assets fees; the firm also reported no assets under management and no clients as of March 11, 2025. Advisors are dually registered with a broker‑dealer and licensed to sell insurance (a potential conflict noted in the brochure), and the firm does not custody client assets or vote proxies on clients’ behalf.
Client services
Expertise
Fee options
Fixed fees may be charged for financial planning engagements based on estimated time and complexity; specific amounts not stated.
$0 - $250,000: 1.25% annually $250,001 - $500,000: 1.15% annually $500,001 - $1 million: 1.00% annually $1 million+: 0.75% annually
Planners licensed to sell insurance and securities may earn commissions from Cetera Advisor Networks LLC; however, commissions are never charged in addition to advisory fees on the same investment.
$90 to $300 per hour depending on planner and resources used.
Account minimum: $100,000 minimum for Plan Participant Advisory Services Fee-only: Hourly rates from $90 to $300 per hour for financial planning services; fixed fees may apply based on time and complexity.
Main office
11911 NE 1st Street, Suite 312
Bellevue WA 98005
Advisors at this office
3
Most active in
Washington
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
Michael C
Series 63, Series 66
Bellevue, WA
Senior Financial Advisors, Inc.
Michael Coe is a financial advisor at Senior Financial Advisors, Inc. in Bellevue, WA, with 27 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Raymond James Financial Services Advisors, Inc. since 2025. Coe previously spent over a decade with Cetera and its affiliated firms. Outside of his advisory role, he is licensed as a nonvariable insurance agent through a sole proprietorship. Senior Financial Advisors, Inc. provides written financial planning and retirement plan participant advisory services to individuals and institutional clients. The firm focuses on delivering detailed, non-discretionary recommendations through hourly-billed planning engagements and does not offer discretionary portfolio management.
James F
CFP®, Series 63
Bellevue, WA
Senior Financial Advisors, Inc.
James Furrow is a CFP® with 39 years of industry experience, currently serving at Senior Financial Advisors, Inc. in Bellevue, WA. His career includes long-standing roles at Senior Financial Advisors, Inc. and Cetera Wealth Services, LLC. Senior Financial Advisors, Inc. provides written financial planning and retirement plan participant advisory services to individuals and institutional clients, focusing on detailed, non-discretionary recommendations and primarily billing on an hourly basis.
Charles H
Series 63, Series 66
Bellevue, WA
Senior Financial Advisors, Inc.
Charles Hamilton is a financial advisor with Senior Financial Advisors, Inc. in Bellevue, WA, holding the Series 63 and Series 66 designations and bringing 37 years of industry experience. His prior roles include long-term service at Fidelity Investments Institutional Services Company, Inc. and Cetera Advisor Networks LLC. Senior Financial Advisors, Inc. provides written financial planning and retirement plan participant advisory services to individuals and institutional clients, delivering detailed, non-discretionary recommendations primarily on an hourly billing basis. The firm does not offer discretionary portfolio management and does not custody client assets.
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