Trail Financial Planning

Trail Financial Planning, LLC is a fee-only financial planning and investment management firm situated in the heart of Bellingham, WA. Our mission is to assist individuals who value their principles, their relationships, and their finances. We are particularly committed to working with professionals from the helping fields such as therapists, firefighters, teachers, and medical professionals.

Our lead planners, John and Liz, are both fiduciaries to their clients. John specializes in working with couples and families, while Liz mostly works with women. We are an independently owned and operated firm, dedicated to providing personalized financial planning and investment management services to our clients. Our business story began in response to our experiences with the financial industry, which often focuses on individual financial advisors and their preferred products. At Trail Financial Planning, we believe that financial services should be tailored to the unique needs and values of each client.

Financial Planning and Investment Management Services

At Trail Financial Planning, we offer a range of services to help our clients achieve their financial goals. Here are some of the services we provide:

• Financial Planning: We offer comprehensive financial planning services, designed to help our clients understand their current financial situation and develop a strategy to achieve their financial goals. Our financial planning services cover various aspects of personal finance, including retirement planning, education funding, estate planning, and tax planning.
• Investment Management: We provide investment management services, tailored to our clients' risk tolerance, time horizon, and financial goals. We use a evidence-based investment approach, focused on asset allocation, diversification, and long-term growth. Our investment management services include portfolio construction, management, and monitoring.
• Service Models: We offer two service models to our clients: the Full Planning Model and the Investment Management Model. The Full Planning Model includes comprehensive financial planning and investment management services, while the Investment Management Model focuses solely on investment management.
• Fees: Our fees are transparent and easy to understand. We charge a percentage of assets under management for our investment management services, and a flat fee for our financial planning services. Our fees are based on the complexity of the client's financial situation and the services required.

Why Choose Trail Financial Planning?

At Trail Financial Planning, we are committed to providing personalized financial planning and investment management services, tailored to our clients' unique needs and values. Here are some reasons why you should choose us:

• Fiduciary Standard: As fiduciaries, we are legally and ethically required to act in the best interests of our clients. We believe that this standard is essential to building trust and long-term relationships with our clients.
• Fee-Only: We are a fee-only financial planning and investment management firm, which means that we do not receive any commissions or incentives from financial products. Our compensation is solely based on the services we provide to our clients.
• Experienced Planners: Our lead planners, John and Liz, have extensive experience in financial planning and investment management. They are both Certified Financial Planners (CFP), committed to providing evidence-based financial advice.
• Personalized Services: We believe that every client is unique, and we strive to provide personalized financial planning and investment management services, tailored to their needs and values.

Meet John and Liz

John Chesbrough, CFP, is a financial planner and advisor at Trail Financial Planning. He has been delivering financial planning and investment management services to clients since 2012. John enjoys working with people who care for others and their community, such as firefighters, therapists, doctors, nurses, and teachers. He is committed to aligning Trail Financial Planning with his values, supporting families, relationships, community, and the natural world.

Elizabeth (Liz) Snyder, CFP, is a financial planner and advisor at Trail Financial Planning. She enjoys helping women in transition, such as those going through job transitions, divorce, or the