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Financial Plan, Inc.

Financial Plan, Inc.. CRD 116073

F

CRD: 116073

Financial Plan, Inc.

Bellingham, WA, 98225
3607141234
$1.6B Total AUM
$1.6B Disc. AUM
24.6% 3Y CAGR
12 Employees
950 ADV. Clients
28 yrs Firm Age

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Firm Details

Custodian
Pershing
Clients
Retail and Institutional
Platforms
Frontier momentumFoundation +more
Established Date
08-13-1997
Office Locations
1

Office Locations

11 Bellwether WAY, Suite 301 Bellingham WA

About Financial Plan, Inc.

Financial Plan, Inc. is a fee-only RIA providing comprehensive, CFO-style planning and portfolio management for families and individuals with $1M+ investable assets. Clients receive a customized, integrated plan with dedicated advisory and operations support, including tax efficiencies, wealth transfer strategies, and philanthropic guidance. The investment approach emphasizes controlling risk, costs, taxes, and investor behavior over prediction; custody includes Pershing.

Team overview

38 AVG AGE
$145.9M AVG AUM / ADVISOR
$1.7M AVG AUM / CLIENT
9.2 yrs AVG TENURE
12 Employees
11 Advisory Reps
11 RIA Reps
28yrs Firm Age

Insights

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Asset Classes

Pathway prime Focus vital

Client Personas

Pioneer prime Foundation

CRM

Zenith

Custodian

Timber Vector Timber Catalyst Foundation optima Alpha Unison timber Value Signal matrix Wave legacy

Fund Managers

Eagle quantum Harbor

Investment Themes

Element vertex Fusion matrix Insight vital Vertex quantum

Investment Vehicles

Quantum fusion Capital

Platform

Value vector Timber

Services

Crest frontier Timber harbor Timber Foundation Element alpha Value Prime Zenith zenith Signal signal Ember

Technology

Capital Ember frontier Timber

Owner & Executives

JAMES BARBER TWINING

JAMES BARBER TWINING

Certified Financial Planner, Chief Executive Officer

CRD
#1225894
Ownership
25% but less than 50%
(610) 235-3833
north.focus@eaglecapital.com
in linkedin.com/in/eagle-peak
W

WILLIAM DEVIN WOLF

Chief Investment Officer

CRD
#5759493
Ownership
25% but less than 50%
(376) 347-5497
bridge.insight@beaconcapital.com
in linkedin.com/in/eagle-vital
W

Wave capital

Fusion ridge optima

CRD
#59009
Ownership
8.8%
(281) 449-6117
crest.prime@fusioncapital.com
in linkedin.com/in/glacier-value

Showing 2 of 5 owners & executives

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Contacts

Justin Lloyd Gross

Justin Lloyd Gross

Financial Advisor, General Partner

CRD
#6723555
(883) 416-2918
momentum.bridge@legacycapital.com
in linkedin.com/in/radial-harbor
L

LYDIA CHUNG LOK

--

CRD
#6583198
(885) 886-6915
ridge.element@elementcapital.com
in linkedin.com/in/element-radial
E

Eagle capital

Bridge harbor vector

CRD
#51253
(554) 690-5606
bridge.glacier@bridgecapital.com
in linkedin.com/in/north-element

Showing 2 of 13 contacts

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Assets Under Management

Total AUM
Discretionary
Non-Discretionary
08-09-2022
03-31-2023
12-19-2024
03-19-2025
03-16-2026
Category Assets AVG. Account size
Discretionary $1,604,659,908 $396,310
Non-Discretionary $0 --
Total $1,604,659,908 $396,310

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Separately Managed Accounts

Total SMA Asset: $1,604,659,908

$1.6B Total SMA
Public Funds:
21.1%
Equity - Exchange:
9.9%
Cash:
21.2%
Corporate - Investment Grade:
7.1%
Equity - OTC:
21.3%
U.S. Government/Agency:
19.4%
Asset class Assets Assets %
Public Funds $1,664,164,617 21.1%
Equity - Exchange $780,816,574 9.9%
Cash $1,672,051,653 21.2%
Corporate - Investment Grade $559,979,563 7.1%
Equity - OTC $1,679,938,689 21.3%
U.S. Government/Agency $1,530,085,004 19.4%
Total $7,887,036,100 100.0%

13F Holdings | Q1 2026

Issuer Class Cusip Ticker % Value
CAPITAL CREST GLACIER DELTA 62OJHAICW JYT 2.82% $69,078,529
CATALYST TIMBER CATALYST MERIDIAN PRLL962VV AMI 0.81% $14,469,655
MATRIX CATALYST ZENITH OPTIMA UNISON TF53OG84E GCI 11.58% $9,781,181
ELEMENT INSIGHT NORTH RIDGE KVE3XRIDP SZJW 5.23% $36,125,475
TIMBER SIGNAL WAVE MERIDIAN CATALYST UZZARDGJB TAAAR 0.95% $62,741,940
HARBOR QUANTUM GLACIER FOUNDATION INSIGHT T0ZEWH0P6 SXV 12.47% $82,764,157
MATRIX RADIAL WAVE VALUE LF5X0HHNW PQT 3.15% $99,848,294
HARBOR CREST RADIAL VECTOR 4WBD4TEBI QPLKA 3.14% $80,143,098

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