Top Financial Advisors in Bellevue, WA

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Coldstream Wealth Management is the No. 1 practice on our list of the top financial advisors in Bellevue. The Coldstream team of advisors includes multiple certified financial planners (CFPs), chartered financial analysts (CFAs) and certified public accountants (CPAs). Other advisory certifications include accredited estate planner (AEP), chartered life underwriter (CLU), chartered alternative investment analyst (CAIA) and financial risk manager (FRM).

Although Coldstream maintains advisory relationships with many types of clients, individuals without a high net worth comprise a majority of the firm's client base despite the $2 million minimum account size requirement. High-net-worth individuals, businesses, charitable organizations, pension and profit-sharing plans make up the rest of the firm’s client base.

As a fee-based firm, certain members of Coldstream Wealth Management’s staff earn commissions for the sale of insurance products or securities. Although this represents a potential conflict of interest, the firm abides by fiduciary duty and therefore is legally bound to act in your best interest.

Coldstream Wealth Management Background

Coldstream Wealth Management is employee-owned. The firm, which was established in 1996, has branch offices throughout Washington, Oregon, Idaho and Alaska. 

A sizable portion of the services at Coldstream revolve around investing. In fact, the firm offers customizable portfolio planning and management, as well as risk management services. Those interested in financial planning can utilize the firm’s retirement planning, education fund planning and wealth transfer planning services.

Coldstream Wealth Management Investing Strategy

Rather than squeeze every client into a single investment philosophy, Coldstream has worked to create a few investment management strategies that it can pair you with:

• Global Equity: This stock-centric group of four strategies offers varying exposures to different types of equities. While some portfolios will be aggressive and focused on growth, others will maintain a more tax-minded exposure.
• Global Fixed-Income: Portfolios using this strategy will contain mostly municipal, corporate and U.S. government bonds. Most of its sub-strategies focus on long-term growth, though the “Coldstream Income Opportunity” sub-strategy looks for income over returns.
• Alternative Investment Strategies: If your needs don’t fit neatly into another strategy, an alternative investment approach could be the way to go. That could mean investing in real estate, hedge funds, private equity and venture capital funds.

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Evergreen Capital Management is the next firm on our list. This firm charges fixed and asset-based fees. Evergreen’s minimum account size is typically $1 million, although the firm may waive this minimum at its discretion. Evergreen has an impressive array of services, including asset management, financial planning, family office services, alternative investment management and tax services. 

Evergreen Capital Management primarily serves non-high-net-worth individuals and high-net-worth individuals, with the latter claiming the vast majority of the firm’s overall assets under management. Evergreen may also work with trusts, corporations, pooled investment vehicles, endowments, pension plans and other retirement plan accounts.

The firm offers a number of investment strategies that vary from highly conservative to aggressive growth. Depending on where you fall within this spectrum, your portfolio will likely contain a collection of individual securities, ETFs and/or private funds.

Evergreen has developed its own investment approach, which it’s dubbed “Dynamic Asset Allocation.” This is an active investment philosophy that structures your portfolio according to your risk tolerance, time horizon and investment goals. The firm also has a strategy it calls "Right Cycle Investing," which involves the active management of passive ETFs. 

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Parcion Private Wealth is a fee-based, full-service advisory firm offering a bevy of financial services to the wealthy. As a fee-based firm, some of its advisors may earn commissions on the sale of certain insurance products. While this has the potential to create a conflict of interest, the firm is bound by its fiduciary duty to put every client's interest first. 

The firm offers financial planning, portfolio management and advisor selection. You must put up $10 million to open an account with the firm as they focus on working with individuals, trusts, estates, corporations and other business entities. The practice is multi-family office that works with business owners, entrepreneurs and their families. The firm can help clients with asset management, tax minimization, family education and next generation planning, philanthropic giving, business planning, among others. 

Parcion Private Wealth uses a combination of fundamental and technical analysis to choose potential investments for each client's portfolio. Each client's appetite to risk as well as their financial goals are taken into account to give each portfolio an individualized approach. The investments that clients may see in their portfolio can often include equities, fixed-income securities, mutual funds, ETFs and more. For some clients, the firm may also recommend placements in private investment funds, like hedge funds, real estate funds and private equity funds. 

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Bristlecone Advisors is the next firm on our list of top financial advisors in Bellevue, Washington. This large firm has a client base that is made up mainly of individuals. Of these individuals, most have a high net worth, though several dozen are non-high-net-worth individuals. Institutional clients at the firm include a few charitable organizations, corporations and other businesses. There is generally a $2 million minimum account size requirement at Bristlecone.

The firm provides its clients with custom financial consulting and investment portfolio management services. Currently, it does so on an entirely discretionary basis.

Like most other investment advisors, Bristlecone tailors its investment advice to the needs of its clients. As a result, investment philosophies and strategies differ significantly between clients. Types of investments that populate client portfolios also vary significantly. Advisors work with clients to determine income needs, tax status, estate planning structures and any other relevant information.

Advisors at Bristlecone place significant emphasis on asset allocation strategy, with the belief that asset allocation provides a key framework for creating a diversified portfolio. Specific assets may include stocks, fixed-income securities and alternative funds.

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Tschetter Group is a fee-based practice that works with a client base that consists almost entirely of individuals, both with and without a high net worth. It also works with a handful of charities and businesses. This firm does not impose a minimum account size, but it does charge a financial planning fee when clients have less than $500,000 under management. 

Tschetter provides clients with comprehensive wealth management services. This includes portfolio management as well as financial planning and consulting. Specific services may include estate and legacy review, trust and foundation planning, net worth tracking, charitable giving strategies and more .

Like several other firms on our list, Tschetter Group tailors its investment strategies to the wants and needs of each client on an individual level. Advisors meet with clients to determine such factors as their overall financial situation, existing resources, financial goals and risk tolerance.

Using gathered information about each client, advisors at Tschetter Group construct portfolios that mainly consist of individual stocks, bonds, exchange-traded funds (ETFs) and mutual funds. They also conduct periodic portfolio rebalancing to ensure that the goals of clients are being met.

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While Auxano Advisors has a $1 million account minimum, a majority of the firm's individual clients do not have a high net worth. The firm also works with pension and profit-sharing plans, charitable organizations, corporations and other businesses. 

First and foremost, Auxano is a family office. This means that individuals and their families can combine retirement planning, estate planning, tax planning and more in conjunction with traditional investment advisory services. The firm does provide standalone investment advisory services too, though.

Once you make your investment goals and risk tolerance apparent, Auxano will work to create an appropriate investment portfolio for you. To do this, the firm utilizes both long- and short-term securities purchases. This is an especially beneficial approach for clients with high-end liquidity needs or lower risk tolerance.

The firm also does its own extensive investment analysis when deciding what to populate your portfolio with. To do this, Auxano delves into the finances of specific companies, as well as overall market movements and trends.

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Paul R. Ried Financial Group takes the next spot on our Bellevue list. The firm has no account minimum and serves a client base that's almost entirely composed of individual clients. In fact, more than 99% of the firm’s managed assets belong to individual clients above and below the high-net-worth threshold. 

As a fee-based practice, a few of its advisors may receive commissions or extra compensation for the sale of insurance products or securities to clients. While this could be seen as a conflict of interest, the firm is legally bound by fiduciary duty. This ensures that the firm must act in clients’ best interests at all times.

This firm’s premier service is its “PEAC Investment Advisory Program.” The PEAC acronym stands for “planning, education, advice and consultation,” according to its official Form ADV. Paul R. Ried Financial Group has an abundance of financial planning services as well, including budgeting, estate planning, risk management, cash flow planning, pre-retirement planning and post-retirement planning. 

At its core, Paul R. Ried Financial Group tends to believe in long-term investing and asset allocation. So as the firm puts plans together for your portfolio, it will evaluate securities with a long-term view. Of course, your personal goals will have a significant bearing on what your portfolio eventually looks like. This firm tends to invest in a collection of mutual funds, ETFs, over-the-counter securities and exchange-listed securities. Should you have any explicit investment restrictions, the firm should be able to take them into account.

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Avier Wealth Advisors is a fee-only firm that offers financial planning and inevestment management services to a wide range of clients. These clients include individuals, families, pension and profit-sharing plans, corporations and businesses. 

Fees at the firm for asset management ranges from 0.30% to 1.00% of assets under management (AUM). The more assets invested with the firm, the less percentage of a fee the client typically pays. There is an annual minimum fee of $10,000. 

When providing investment advice, the firm generally recommends the purchase of several mutual funds and ETFs. In some cases, the firm may recommend individual stocks or bonds. The right mix for each portfolio depends on the specific needs of each individual client, as assessed by the firm's advisors. 

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Aviso Wealth Management is a fee-based firm that provides the services of investment supervisory, individual portfolio management, financial planning and pension consulting services. The firm also offers more isolated consulting services as well. The types of clients the firm works with include individuals, high-net-worth individuals, families, pension plans, profit-sharing plans, trusts and corporations. 

Fees at the firm won't exceed $1,200 upfront payment (more than six months in advance). Fees for fianancial planning are charged on an hourly basis, ranging from $0 to $300 per hour, or on a flat fee basis ranging from $300 to $10,000. The amount depends on the arrangement reached between the firm and the individual client. The assets under management (AUM) invested at the firm is how the fees are charged for investment management. These fees range from .25% to .50%. 

The firm uses a variety of methods of analysis to choose investments in the portfolios of its clients. These include methods such as fundamental, technical, cyclical and quantitative analysis. Strategies may include long-term purchases, short-term purchases, trading, option writing, margin transactions and more. 

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MarsJewett Financial Group provides a number of financial planning and consulting services that includes business planning, trust and estate planning, retirement planning, risk management, investment management and more. The firm works with individuals, trusts, estates, charitable organizations, corporations, pension and profit-sharing plans and other business entitites. 

Fees at the firm depend on the types of service being offered. Financial planning is charged at a fixed fee that ranges from $1,500 to $5,000. Investment management services are charged based on the amount of assets under management (AUM) invested with the firm. The fees range from 0.45% to 1.00%. 

The firm has an investment planning committee that meets monthly to review mutual funds and ETFs used in teh firm's model portfolios. The investments chosen go through an analysis that involves both qualitative and quantiative aspects to make a final decision.