NW Straits Financial Services
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$16,450,061
Total clients
11
55% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
11
Average account size
$1,495,460
About
NW Straits Financial Services is a state-registered, independent fee-only investment adviser that provides discretionary financial planning and investment management alongside hourly, project-based personal financial consulting. The firm manages approximately $16.45 million in discretionary assets for 11 client households and serves both individual and high-net-worth clients, with a stated account minimum of $150,000.
The firm describes a “Keep it Simple” ethos and follows a passive, asset-allocation approach using index mutual funds and ETFs, fixed target allocations, and periodic rebalancing rather than stock picking or market timing. Investment recommendations are driven by clients’ time horizons and a defined “risk runway,” with analysis that may include back-testing and an emphasis on low internal fund costs and tax efficiency.
Distinctive aspects include a single-advisor practice with a small client roster and relatively high assets per client (roughly $1.5 million on average), and principal-level experience in institutional investment operations and portfolio management prior to founding the firm. The adviser also recommends a modern self-clearing digital custodian to leverage integrated reporting and model portfolio tools, and provides community-facing personal finance instruction and nonprofit board service outside normal trading hours.
Client services
Financial planning
Portfolio management
Expertise
Passive / index investing
Cash flow / budgeting
Debt management
General retirement planning
Fee options
$0 - $150,000: 0.1625% monthly $150,001 - $250,000: 0.0875% monthly $250,001 - $500,000: 0.0625% monthly $500,001 - $1,000,000: 0.0500% monthly $1,000,001 - $2,000,000: 0.0375% monthly $2,000,001 - $3,000,000: 0.0250% monthly $3,000,001+: 0.0125% monthly
$300 per hour for Personal Financial Consulting, charged in half-hour increments
Account minimum: $150,000 Fee-only: Hourly rate $300 per hour (Personal Financial Consulting)
Main office location
NW Straits Financial Services
Bellingham WA, United States
Number of offices
1
Most active in
NW Straits Financial Services 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.
Forms ADV
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