Searching for a Spokane financial advisor? Look no further!
(Last updated December 2025 for rankings valid in 2026)
Finding the right Spokane financial advisor is one of the most important financial decisions you’ll ever make, especially as you approach retirement or begin taking income from your investments.
To help, we’ve created a carefully curated list of five highly respected Spokane financial advisors who meet strict professional and ethical standards. These are advisors we know personally, respect professionally, and would confidently refer friends and family to.
Important disclosure: Stewardship Concepts created this list, but we did not include ourselves.
Who Are We? (And Why You Can Trust This List)
We’re Stewardship Concepts, a Spokane-based financial advisory firm specializing in investment management and financial planning for couples who are retired or about to retire, particularly those transitioning from a 401(k) or IRA into retirement income.
Our typical clients are diligent savers with $1 million or more in retirement accounts who want help:
- Optimizing retirement income
- Reducing lifetime taxes through Roth conversions, RMD, and QCD strategies
- Coordinating investments, estate planning, and tax strategy
We know our services and our personality aren’t the right fit for everyone. That’s exactly why we created this list.
These 5 firms represent excellent alternatives depending on your situation, preferences, and priorities.
How We Created This List of the Best Financial Advisors in Spokane
Choosing a financial advisor requires trust. When building this list, we focused on firms that share core professional values and consistently demonstrate client-first advice.
Our selection criteria included:
Fee-only advice
Fee-only advisors do not sell insurance or investment products and do not receive commissions or kickbacks. This structure significantly reduces conflicts of interest.
Fiduciary standard (always)
Every advisor on this list is legally required to act in their clients’ best interests at all times.
Reasonable and transparent fees
You won’t see investment management fees starting above 1.25% on this list.
Professional credentials and reputation
All advisors are CFP® professionals or work closely with CFP® planners. We know these advisors personally through:
- Serving on the Spokane Financial Planning Association board
- Working alongside them in the local planning community
- Years of direct industry experience
These are advisors we trust, not paid placements.
5 Best Spokane Financial Advisors in 2026
1. Keith Spencer, Spencer Financial Planning – Spokane, WA
"After getting a degree in music (yeah, music…), I worked at a leading investment management firm in Los Angeles for 18 years. But I had this itch all along that I wanted to open my own financial planning firm at some point. I finally decided to pull the trigger to open my own firm in 2019, and here I am.
I started Spencer Financial Planning to empower people through financial health. We’re afee-only, fiduciary firm. We look out for our clients’ best interests and help them make fantastic money decisions. "
Key highlights of Keith's firm:
- Solo firm, Fee-Only, fiduciary
- 20+ years of experience in the industry.
- Affiliations: CFP®, ACP, NAPFA, XYPN, Fee-Only Network, and Spokane Financial Advisors Network
- Investment management starts at 1.25%
- Financial Planning only option starting at $4,900- $8,900 for a 6-month engagement. $2,500 for a check-up. $0-$450 for a quick question.
2. Todd Koyama, Little Mountain – Spokane, WA
"As a registered investment advisor (RIA), Selkirk Wealth Advisors works on a fee-only basis with individuals, families, trusts and foundations. We understand the complexity that often comes with accumulated wealth. We are exclusively focused on simplifying these complex topics to craft a solution that will reflect your wishes. Our comprehensive financial plans and investment portfolios are custom designed around the goals that matter most to you.
We understand the nuances and complexities of managing wealth and have been guiding generations of clients in making informed financial decisions."
Key highlights of Todd's firm:
- Solo-firm, Fee-Only fiduciary
- 13+ years of experience.
- Investment management starts at 1%.
- Financial Planning hourly rate is $250. Fixed cost ranges from $1,000 to $2500 depending on complexity.
3. Jordan Curnutt, Quantum Financial Planning, – Spokane, WA
How We Connected with the Top Financial Planners in Spokane
"As a top-producing real estate agent, your wealth is closely tied to the success of the real estate market. This can lead to significant personal income, but it can also leave you vulnerable to the market's highs and lows. You may lack the time to effectively manage your commission-based income and create a net worth that lessens your reliance on real estate. That's where we come in. We provide exclusive financial planning for real estate agents."
- 20-person team, Fee-Only fiduciary
- 13+ years of experience.
- Affiliations: CFP®, FPA, and Spokane Financial Advisors Network.
- Investment management starts at 1.05% with a $500,000 minimum.
- Financial Planning is the only option that starts at an hourly rate of $350 per planner and $75 for support staff.
4. Denise Downey, Financial TREX, LLC – Spokane, WA
"I love the flexibility of running my own firm. I serve a small group of clients. I can give the kind of advice people need to hear. And I no longer worry about pressure to sell products or maintain hundreds of clients.
I live with my husband and three children in Spokane, Washington. Spokane offers a great balance of urban and outdoor lifestyles. If you can't find me in a coffee shop, you'll find me on the hiking trails."
- Solo-firm. Fee-Only fiduciary
- 12+ years of experience.
- Affiliations: CFP®, MBA
- Investment management costs start at 0.75% in addition to roughly $4,000- $5,000 per year in required planning costs.
- Financial planning-only options start at $300 per hour, with a full financial plan taking 4-12 hours. Ongoing planning and advice costs roughly $3,100-$5,000 per year.
5. Adrienne Ross, Clear Insight Wealth Management – Spokane, WA
"A military spouse for over 30 years, Adrienne is also a military mom and a military kid. She splits her time as a nighttime babysitter for her grand-babies during Space Force launches, visiting her mom on the ranch and exploring the PNW with her retired Marine husband on her Triumph. Despite her hectic schedule, Adrienne takes time to mentor other military spouse AFC® counselors and AFC® candidates. She enjoys helping young people (especially those aging out of the foster care system) build financial competency. "
- 2-person team, Fee-Only fiduciary
- 15+ years of experience,
- Affiliations: CFP®, ChFC®, AFC®, MQFP® Fee-Only Network, and Spokane Financial Advisors Network
- Investment management starts at 1%
- Financial Planning option starts at $3,600 for individuals.
How Stewardship Concepts Is Different
At a glance, we look similar to many firms on this list:
- Fee-only fiduciaries
- Investment management starting at 1%
- Flat-fee financial planning at $2,500
- 4-person team
- Founded in 1998
- 45+ years of team's experience
Where we differ is our specialized focus on retirement transitions, particularly for individuals moving from a 401(k) or IRA into retirement income.
Our planning process integrates:
- Tax-efficient investment management
- Roth conversion strategies
- RMD and QCD planning
- Estate planning coordination
- Collaboration with your CPA and attorney
If that sounds like the kind of guidance you’re looking for, we invite you to schedule a discovery call.
What All the Best Spokane Financial Advisors Have in Common
Every advisor on this list shares three essential qualities:
- Fee-only compensation – fewer conflicts of interest
- Fiduciary responsibility – client interests always come first
- CFP® certification – rigorous standards for education, ethics, and experience
This list isn’t exhaustive, but it’s a strong starting point.
FREE Resources For Finding Financial Planning Near You
- NAPFA – National Association of Personal Financial Advisors
If You Can't Afford A Financial Planner
Pro bono financial planning options are available:
Three Questions To Ask Any Financial Advisor
- Are you familiar with my specific situation?
- What are your qualifications and credentials?
- What services will you provide, and what will it cost?
Final Thought
Choosing a financial advisor is a major decision. Take your time. Ask questions. Never feel pressured.
You should trust, respect, and feel confident in the advisor you choose.
Schedule a discovery call with one of our Spokane financial advisors (or on the list above) today.
About the Author
Noah Schwab CFP® is a financial advisor in Spokane, Washington, specializing in helping couples with 401k five years from retirement.
- Fiduciary. No commission, no products
- Investment management and financial planning
