Trail Financial Planning LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Trail Financial Planning LLC provides comprehensive financial planning, investment management, targeted financial consultations, and employee benefit plan services to individuals, families, small businesses, non‑profits and trusts. The firm manages roughly $117 million on behalf of about 157 clients and operates with a small advisory team.
Its client work is organized around a written financial plan and an investment policy tailored to each client’s life stage and goals, with portfolios implemented through a blend of passive strategies, selectively active management, in‑house management, and third‑party money managers. The firm describes a process that uses fundamental analysis for active decisions and supplements client documents with third‑party research providers (for example, Morningstar) while focusing on diversification and tax efficiency.
Trail Financial’s brochure also describes educational seminars and speaking engagements offered on an as‑announced basis and points clients to external resources such as the SEC’s adviserinfo site and third‑party research, reflecting an emphasis on outside information in client outreach. The firm discloses several operational features—use of standing letters of authorization for transfers and institutional relationships with custodians such as Altruist and Pershing—that are presented explicitly in the brochure and may be less commonly highlighted by peers.
Client services
Expertise
Demographic focus
Fee options
Initial comprehensive financial planning fee $3,000 - $5,000 depending on complexity (one-time)
$0 - $500,000: 0.25% quarterly $500,000 - $2,000,000: 0.20% quarterly $2,000,001+: 0.15% quarterly
$300/hour (fees may be negotiable)
Account minimum: $100,000 Fee-only: Hourly rate of $300/hour (may be negotiable)
Main office
214 N Commercial St.
Bellingham WA 98225
Advisors at this office
3
Most active in
Washington
Also doing business as
Chesbrough, John · Chesbrough, John David · John Chesbrough · John D Chesbrough · Trail Financial Advising LLC · Trail Financial LLC · Trail Financial Planning LLC · Trail 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:
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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.
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Advisors at this firm
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