Sound Financial Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$23,863,900
Clients
46
Advisors
2
across 2 offices
About
Sound Financial Advisors provides investment advisory services to individuals (including high‑net‑worth clients) and to trusts, estates, and charitable organizations, and also offers standalone financial planning and consulting engagements. The firm conducts portfolio management exclusively through a third‑party platform while delivering planning and consultative work directly to clients.
The firm’s advisory work is built around the AssetMark platform’s model allocations created by independent investment strategists; advisors assist clients in selecting a risk/return objective and a strategist, and accounts are invested and adjusted to follow the chosen model rather than tailored security-by-security to individual circumstances. For certain solutions the firm introduces clients to third‑party discretionary managers and conducts ongoing monitoring of those managers’ holdings, strategies and risks as part of periodic reviews.
Noteworthy differences versus many peers include the firm’s small scale (two advisors and under $20 million in reported assets) and its requirement that clients use the recommended custodians to access the platform rather than permitting wider custodian choice. The firm also discloses that its principal is licensed to sell insurance (a potential conflict disclosed in the brochure) and generally does not accept proxy‑voting authority for client securities, leaving proxy votes to clients or third‑party managers.
Client services
Expertise
Fee options
Maximum $125 per hour for financial planning and consulting services.
Fee-only: Hourly fees up to $125 per hour; no retainer exceeding $500 when services cannot be rendered within 6 months.
Main office
See officePort Orchard WA
Advisors at this office
1
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:
-
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
Advisors at this firm
Ryan H
Series 63, Series 65
Cle Elum, WA
Sound Financial Advisors, Inc.
Ryan Hurley is a financial advisor at Sound Financial Advisors, Inc. with 23 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Ameriprise Financial Services Inc. and Fs2 Capital Partners, LLC. Outside of advisory work, Hurley serves as Vice President of Investor Services at Sound Capital Loans, where he manages private credit funds and oversees fund administration and investor relations. Sound Financial Advisors provides investment advisory services to individuals, trusts, estates, and charitable organizations, offering financial planning and consulting alongside portfolio management conducted through a third-party platform. The firm emphasizes model-based portfolio management using the AssetMark platform and maintains a small team with under $20 million in assets under management.
Susan R
Series 63, Series 65
Port Orchard, WA
Sound Financial Advisors, Inc.
Susan Risner is a financial advisor at Sound Financial Advisors, Inc. with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Sound Financial Advisors since 1996 and at Kms Financial Services, Inc. from 1999 to 2019. In addition to her advisory work, she is licensed as an insurance agent, selling long-term care, disability, and other insurance products. Sound Financial Advisors serves individuals, including high-net-worth clients, trusts, estates, and charitable organizations by providing investment advisory services and standalone financial planning. The firm manages portfolios through a third-party platform using model allocations created by independent strategists, focusing on client risk/return objectives rather than customized security selection.
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")