Northlight Wealth Planning | Bellevue Fee-Only Fiduciary

Name: Northlight Wealth Planning
Telephone: (425) 555-0162

Bellevue office towers where Northlight is located

Why Northlight

The fee is the whole business model.

Much of the financial industry is paid to move product — commissions on funds, insurance, and annuities that quietly shape the "advice." Northlight was built the other way: a flat annual fee, published on this page, is our only compensation. When we discuss an idea, the only reason is that it may be worth your consideration.

We are educators and planners, not salespeople. We’ll lay out the options, the trade-offs, and what the research generally says — and the decisions stay yours, made with full information. Anything specific to your situation belongs in a personal consultation, not a webpage.

Flat annual fee, published — $4,800 to $9,600 by complexity
Fiduciary duty on every engagement, in writing
CFP® professionals — no sales licenses, by design
Informational guidance; your decisions remain your own

What we help you think through

Education and planning — decisions stay yours.

Retirement Planning

A written picture of what retiring could look like on your numbers — spending scenarios, timing trade-offs, and the questions worth asking before you decide anything.

Fee-Only Fiduciary Advice

We’re legally bound to put your interests first, and structurally unable to do otherwise — no commissions, no product shelf, no quotas. Our fee is our only compensation.

401(k) & Rollover Education

What your plan options, fees, and rollover choices actually mean, explained neutrally — including the cases where leaving an old 401(k) right where it is deserves consideration.

College Savings

529 plans, custodial accounts, and how financial aid formulas treat each — the landscape laid out clearly, so the choice you make is an informed one.

Tax-Aware Investing Concepts

Account location, tax-loss harvesting, and RSU timing — the general concepts and how they interact, coordinated with your CPA for anything specific to your return.

Estate Coordination

Beneficiary reviews, titling questions, and a document checklist — organized so your estate attorney’s time (and fee) goes toward drafting, not discovery.

How it works

Three steps, no pressure at any of them.

1
Free, pitch-free first meeting

An hour to hear your situation and explain how we work. No products, no urgency, no follow-up campaign. If we’re not the right fit, we’ll say so and point you somewhere useful.
2
A written plan

We gather your full picture — accounts, benefits, goals, worries — and build a plan document in plain English, with every recommendation explained and every assumption shown.
3
Ongoing planning rhythm

Scheduled reviews, unlimited questions, and updates when life changes — a new job, a house, a birth, an inheritance. The flat fee covers all of it.

Client words

What working with a fiduciary feels like.

“Our first advisor kept steering us toward an annuity. Northlight’s first meeting was an hour of questions about our life and zero products. The difference was obvious in fifteen minutes.”

Priya & Dev N. Clients · Redmond

“The plan document is the clearest financial writing I’ve ever read. Every assumption is on the page, and when I ask why, I get an explanation instead of a brochure.”

Karen L. Client · Mercer Island

“I finally understand my own retirement picture — what the trade-offs are and which decisions are actually mine to make. Nobody had ever laid it out without selling me something.”

Tom & Grace W. Clients · Kirkland

Questions

Fair questions, straight answers.

What does "fee-only fiduciary" actually mean — and how do I decide what’s right for me?

Fee-only means our clients’ fees are our only revenue: no commissions, no product sales, no referral kickbacks. Fiduciary means we’re legally obligated to act in your best interest, and we put that duty in writing. Everything on this site is general education, though — what’s right for your situation depends on facts a webpage can’t know, which is exactly what the free personal consultation is for.

What does it cost?

A flat annual fee between $4,800 and $9,600, set by the complexity of your situation — not by your account size — and quoted in writing before you commit. A standalone one-time plan is $2,400. There are no other charges from us, ever.

Can you tell me what to invest in, or what returns to expect?

We don’t make return promises or predictions — no honest planner can, and our engagements are informational rather than product-driven. What we do: explain the concepts, the ranges of historical evidence, and the trade-offs, so the decisions you make are informed ones.

Is the first meeting really free — what’s the catch?

Really free, and pitch-free: an hour to hear your situation and show you how we work. Roughly a third of the people we meet don’t become clients, and we count that as the meeting working correctly. You’ll get honest reactions, not a follow-up sales sequence.

Do you replace my CPA or estate attorney?

No — we coordinate with them. Tax filings stay with your CPA and legal documents with your attorney; our job is making sure your plan, your return, and your documents are telling the same story. We’re glad to join calls with either.

Book your free, pitch-free first meeting.

Tell us a little about your situation and pick a time. You’ll leave with useful perspective either way — and nothing to unsubscribe from.

(425) 555-0162 Mon–Fri 9am–5pm PT · Evenings by appointment CFP® professionals · Fee-only fiduciary · Informational only — not investment, legal, or tax advice

Advice you pay for once. Not commissions forever.