Bellevue, WA Office

Williams 360 Financial Advisory serves individuals, couples and families with fee-only financial planning and discretionary investment management, covering retirement, tax, estate, cash‑flow and risk‑management needs. The firm provides written financial plans, implementation support when requested, and ongoing portfolio monitoring and rebalancing for a concentrated client base managing roughly $40 million in regulatory assets under management.

The firm’s investment approach is grounded in Modern Portfolio Theory and emphasizes diversified, low‑cost passive investments (ETFs and index funds) and periodic rebalancing, with employer retirement plan holdings integrated into overall asset allocations. For certain separately managed accounts the firm may employ borrowing as part of implementation, a technique it discusses alongside its formal risk analyses and portfolio monitoring procedures.

Distinctive features relative to many peers include a flat‑fee pricing model for investment management rather than a percentage‑of‑AUM fee and explicit procedures to manage tax consequences when transitioning existing holdings (including multi‑year trade‑outs to mitigate capital gains). The firm also emphasizes individualized cash‑flow planning and account‑level coordination across held‑away retirement accounts and other non‑custodied assets for a small number of clients.