Upfront Financial Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$15,376,522
Total clients
40
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
40
Average account size
$384,413
About
UpFront Financial Planning, LLC is a fee-only registered investment adviser that works with individuals, high-net-worth clients, trusts, nonprofits and business entities to provide comprehensive financial planning and discretionary investment management. Services cover a wide range of planning topics—cash flow, debt management, tax and retirement planning, education and estate coordination, insurance review, and business planning—delivered as an ongoing collaboration.
The firm’s investment approach emphasizes strategic asset allocation implemented mainly with diversified index funds, periodic rebalancing, and dollar‑cost averaging to align portfolios with clients’ time horizons and risk tolerances. Investment management is provided on a discretionary basis with regular reviews and coordinated adjustments tied to clients’ evolving financial plans.
Managing roughly $15.4 million for about 40 client relationships and established in 2024, the firm is a small, recently formed practice that tailors services across a range of client types. Its principal combines recent CFP and securities credentials with an active clinical healthcare practice outside the firm, a combination that may be especially relevant for medical professionals and business owners seeking integrated financial and business planning; planning arrangements and advisory services are presented on a negotiable, client‑specific basis.
Client services
Financial planning
Portfolio management
Expertise
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
General estate planning guidance
General retirement planning
Occupation focus
Doctor or Medical Professional
Fee options
Estate Planning fees: Powers Package $400, Will Plan $900, Trust Plan $1925, plus optional add-ons ranging from $50 to $550
$0 - $500,000: 1.1% $500,001 - $3,000,000: 0.8% $3,000,001+: 0.6%
$300 per hour for Financial Planning services
Fee-only: Financial Planning at $300 per hour, initial fee up to $500 for the comprehensive plan, annual fees negotiable based on complexity and time spent (examples: $2,000 to $5,000)
Main office location
Upfront Financial Planning, LLC
203 N Washington St, Ste 200 I
Spokane WA 99201, United States
Number of offices
1
Most active in
Upfront Financial Planning, LLC has reported serving >5 clients in these states in the last 12 months.
Idaho · Texas · 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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