Two Firs Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Two Firs Financial serves individual and high‑net‑worth clients as well as trusts, estates, business entities, charitable organizations and retirement plans, providing discretionary and non‑discretionary investment management, one‑time financial plans, ongoing planning for investment clients with at least $250,000 under management, and ad‑hoc consulting. The firm does not require a minimum account value to open an account.
The firm’s investment approach relies on asset allocation informed by Modern Portfolio Theory while tailoring portfolios to each client’s goals, risk tolerance, liquidity needs and time horizon, typically using mutual funds, ETFs, stocks and bonds. It also employs options strategies — primarily covered calls — within client accounts as a tool to manage downside risk and seek additional income, and manages client assets on a discretionary basis.
Distinctive features include the integration of tax‑related services into the advisory offering: both of the firm’s investment adviser representatives are Enrolled Agents and the firm provides tax preparation, bookkeeping and payroll services in addition to advisory work. Two Firs is a small, concentrated practice — two advisors serving about 20 clients with roughly $19 million in discretionary assets — and maintains standing letters of authorization on many client accounts for fee deduction and limited disbursement authority.
Client services
Expertise
Fee options
One-time flat fee for financial plans ranging from $500 to $6,000 depending on scope and complexity
$0 - $250,000: 1.25% $250,001 - $750,000: 1.00% $750,001 - $3,000,000: 0.75% $3,000,001+: 0.25%
$275 per hour for consulting services
Fee-only: One-time financial plan fees between $500 and $6,000; consulting fees at $275/hour; ongoing financial planning included at no extra cost for clients with $250,000+ in assets under management
Main office
Seattle WA
Advisors at this office
2
Most active in
Washington
Also doing business as
Two Firs Financial · Two Firs 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
Quick links
Advisors at this firm
Kristopher K
CFP®, Series 66
Seattle, WA
Two Firs Financial
Kristopher Kohtz is a CFP® certificant and holds a Series 66 license with 12 years of industry experience. He is currently with Two Firs Financial and has previously worked at firms including Nestle and H.D. Vest Advisory Services. Outside of his advisory role, he is involved with Thirty9 Twenty9 LLC, a real estate rental business. Two Firs Financial serves individual and high-net-worth clients, as well as trusts, estates, business entities, charitable organizations, and retirement plans, offering discretionary and non-discretionary investment management alongside financial planning and consulting. The firm’s investment approach emphasizes asset allocation informed by Modern Portfolio Theory and includes the use of options strategies, such as covered calls, to manage risk and generate income.
Celeste Y
CFP®, Series 66
Seattle, WA
Two Firs Financial
Celeste Yu is a CFP® with 11 years of industry experience, currently serving as an advisor at Two Firs Financial. Her prior experience includes roles at Morgan Street Financial LLC, Kohtz & Co. LLC, Hd Vest Financial Services, and Starbucks. Outside of financial advising, she is involved with Thirty9 Twenty9 LLC, a real estate rental business. Two Firs Financial serves individual and high-net-worth clients, trusts, estates, business entities, charitable organizations, and retirement plans, offering discretionary and non-discretionary investment management along with financial planning and tax-related services. The firm’s investment approach emphasizes asset allocation based on Modern Portfolio Theory and incorporates options strategies such as covered calls to manage risk and generate income.
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