Kirwin Financial LLC logo

Kirwin Financial LLC

Updated today

Client assets under management

$1,606,581

Clients

9

0% high-net worth

Advisors

1

of 1 employees

Firm type

Independent

1 advisor

Clients per advisor

9

Very Low

Average account size

$178,509

About

Kirwin Financial LLC is a state-registered, fee-only advisory firm that serves individuals and families with project-based financial planning, ongoing (continuous) financial planning, and discretionary investment management. Its planning services include comprehensive financial plans, cash flow and debt management, retirement and estate planning, business planning, and college planning roadmaps.

The firm emphasizes strategic asset allocation and primarily passive investment management using index mutual funds and ETFs, applies Modern Portfolio Theory, and can delegate portfolio implementation to a third‑party sub‑advisor (GeoWealth) when appropriate. Continuous planning and investment management are delivered after a client completes a comprehensive financial plan, with periodic reviews tailored to client needs and household-level portfolio oversight.

Compared with many peers, the firm offers educational workshops and speaking engagements (charged at $0–$100 per participant and delivered in person or virtually), a service that is relatively uncommon among similar independent advisers. It also highlights college-planning specialization—holding a Certified College Financial Consultant designation, providing a College Planning and Funding Roadmap (typically 4–7 hours with three months’ access to college funding software), and adding 529 plan guidance including recommendation of Utah’s my529 —features that expand its planning offerings beyond standard individual advisory services.

Client services

Financial planning Portfolio management Selection of other advisers Educational seminars or workshops

Expertise

College savings (529s, UTMA, etc.) Cash flow / budgeting General estate planning guidance Tax strategies for small businesses

Fee options

Percentage

$0 - $250,000: 1.20% $250,001 - $700,000: 1.00% $700,001 - $2,500,000: 0.50% $2,500,001+: 0.25%

Project-based

$275/hour for Project-Based and Continuous Financial Planning

Other

Account minimum: $0 (no minimum account size requirement) Minimum fee: Minimum annual fee of $3,500 for Continuous Financial Planning and Investment Management Fee-only: Hourly fees at $275/hour for Project-Based Financial Planning and Continuous Financial Planning; Fixed fees for Educational Workshops ($0 to $100 per participant)

Main office location

Kirwin Financial LLC

371 Ne Gilman Blvd, Suite 160

Issaquah WA 98027, United States

Number of offices

2

Most active in

Washington

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

Jessica K

CFP®

Issaquah, WA

Kirwin Financial LLC

In my mid-20s, I was making big financial decisions – rolling over a 401(k) after leaving a corporate job, deferring student loans before joining the Peace Corps, and figuring out how to invest while living abroad. Each challenge pushed me to learn more, and I realized I genuinely enjoyed making sense of money. But as my husband and I navigated major milestones – marriage, home buying, career shifts – we had a hard time finding financial advice that was clear, practical, and truly in our best interest. That’s when I knew: financial planning shouldn’t feel like guesswork. I became a CERTIFIED FINANCIAL PLANNER™ to help professionals in their 30s and 40s gain clarity and confidence in their financial decisions. I founded Kirwin Financial because there simply weren’t enough fee-only planners serving people who are growing their families, careers, and wealth. Today, I help couples align their money with their life goals – whether it’s buying a home, preparing for a new baby, or planning for financial independence. I offer unbiased, fee-only financial planning, meaning I work in your best interest – no commissions, no product sales, just expert guidance tailored to your life. A comprehensive plan typically costs $3,375, with billing based solely on the time spent at a rate of $275 per hour. You don’t have to figure this out alone. Let’s build a financial plan that fits your life, your goals, and your future. Get started here: https://calendly.com/kirwinfinancial/15min

General retirement planning Married/Couples/Partners Young Families Gen Y/Millennials (Born 1980-1995)
Warmer team member

Not sure where to start?

We'll help you think it through – whether you ultimately need an advisor or not.

Call (201) 292-4557

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

© 2026 Warmer Holdings Inc. ("Warmer")