Commencement Financial Planning LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$121,700,000
Total clients
46
83% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
46
Average account size
$2,645,652
About
The firm provides fee-only comprehensive financial planning and wealth management to individuals and families, offering both asset-based portfolio management and hourly, project-based planning engagements. Services include development of financial plans and investment policy statements, assistance implementing portfolios (primarily through mutual funds and ETFs), and ongoing consultative portfolio oversight.
The firm emphasizes a collaborative, consultative process and manages client accounts on a non-discretionary basis, meaning it seeks client approval before implementing trades — a practice that is uncommon among independent advisory peers. Its recommendations favor low-cost passive mutual funds and ETFs as core holdings, periodic rebalancing, attention to tax-loss harvesting, and bond allocations that include constrained duration exposure, TIPS, and hedging for foreign-currency bond exposure.
Noteworthy features include managing approximately $121.7 million of client assets entirely on a non-discretionary basis (with an additional $7.1 million advised), a structure that can lead to individualized trade timing and execution outcomes. The firm also imposes (but may waive) an account minimum for asset-based engagements, does not employ third-party managers or offer a wrap program, and requires clients to use its recommended custodian when the firm executes transactions on their behalf.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Tax-loss harvesting
Cash flow / budgeting
Fee options
0.00% to 0.80% per annum
$400/hour
Account minimum: $1,000,000 Fee-only: Fee-only comprehensive financial planning and wealth management services
Main office location
Commencement Financial Planning LLC
Lakewood WA, United States
Number of offices
1
Most active in
Commencement Financial Planning LLC has reported serving >5 clients in these states in the last 12 months.
Washington
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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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