Tumwater Wealth Management, LLC

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Client assets under management

$319,807,713

Clients

284

40% high-net worth

Advisors

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

142

Very High

Average account size

$1,126,083

About

Tumwater Wealth Management provides ongoing portfolio management, comprehensive financial planning, and pension consulting to a mix of individual and institutional clients, including pension and profit-sharing plans, charitable organizations, and business entities. The firm reports managing roughly $407 million across about 284 client accounts and operates with a two-advisor team that handles discretionary portfolio decisions on behalf of clients.

The firm’s investment process is long-term and buy-and-hold oriented and draws on modern portfolio theory, fundamental analysis, cyclical analysis, and quantitative methods to construct and rebalance customized allocations. Portfolios are tailored to clients’ goals, time horizons, and risk tolerances and may include mutual funds, ETFs (including precious metal ETFs), real estate funds/REITs, fixed income including TIPS, and insurance-based products such as annuities.

What is distinctive about Tumwater is the combination of a compact advisory team managing an unusually large asset base per advisor and an explicit pension-consulting capability that includes benchmarking, fiduciary plan reviews, and participant education. The brochure also notes use of multiple custodial relationships for retirement plans (including Schwab Institutional and Interactive Brokers) and a practice of integrating financial planning into ongoing portfolio management, which can be atypical for firms of this size.

Client services

Financial planning Portfolio management Pension consulting

Expertise

Wealth management Active portfolio management Retirement plans for business owners (SEP, solo 401k) Life insurance needs analysis College savings (529s, UTMA, etc.)

Fee options

Fixed

Pension consulting fixed fees between $1,500 and $10,000, negotiable

Percentage

$0 - $500,000: up to 0.60% annually $500,000+: up to 1.20% annually All Assets+: up to 0.875% annually (Pension Consulting)

Subscriptions

Comprehensive financial planning fees up to $299 per month

Other

Account minimum: $5,000 Fee-only: Financial planning fee $3,588 annually or $299 per month; financial planning included at no additional cost for clients with assets over $500,000

Main office location

Tumwater Wealth Management, LLC

110 W Main St

Boise ID 83702, United States

Number of offices

Most active in

California · Idaho · Oregon · Texas · Washington

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook Website (208) 314-2114

Advisors at this firm

Owen Q

Series 65

Boise, ID

Tumwater Wealth Management, LLC

Owen Quast is a financial advisor at Tumwater Wealth Management, LLC, holding a Series 65 designation with one year of industry experience. His prior work includes roles at Edward Jones, Ernst & Young, and Keenan and Associates. Tumwater Wealth Management serves individuals, pension and profit-sharing plans, charitable organizations, and business entities with portfolio management, financial planning, and pension consulting. The firm employs a long-term, buy-and-hold investment approach using methods such as modern portfolio theory, fundamental and cyclical analysis, and quantitative models.

Wealth management Active portfolio management Retirement plans for business owners (SEP, solo 401k) Life insurance needs analysis College savings (529s, UTMA, etc.)

Benjamin W

CFA®, Series 63, Series 66

Boise, ID

Tumwater Wealth Management, LLC

Benjamin Warren is a CFA® charterholder with 18 years of industry experience. He is the sole advisor at Tumwater Wealth Management, LLC, where he has worked since 2019. Prior to that, he was with Rathbone Warwick Investment Management LLC from 2014 to 2018. He serves as a board member for Northwest Christian Credit Union. Tumwater Wealth Management serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and business entities with portfolio management, financial planning, and pension consulting. The firm employs a long-term, buy-and-hold investment approach using modern portfolio theory, fundamental and cyclical analysis, and quantitative models.

Wealth management Active portfolio management Retirement plans for business owners (SEP, solo 401k) Life insurance needs analysis College savings (529s, UTMA, etc.)

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