PlannerFees

Flow Financial Planning, L.L.C. fees and pricing

Financial planner in Bellingham, Washington. Registered with state securities regulators.

According to its Form ADV Part 2A brochure dated June 8, 2026, Flow Financial Planning, L.L.C. charges $500 an hour and a flat or project fee of $11,000⁠-⁠$13,000 for financial planning.

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed June 8, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate
$500/hr
“If the calculated fee does exceed 2% AUM, then Flow will track tasks and hours and earn the fees based on hours worked, based on an hourly rate of $500.”
Flat or project fee
$11,000⁠-⁠$13,000
“A One-Time Comprehensive Financial Plan costs $11,000-$13,000, depending on the complexity of the client’s financial and tax situation.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Flow Financial Planning, L.L.C. bills

Payment and refund terms, quoted from the fee section of the brochure.

  • “Fees are generally negotiable and are paid as described below, directly by the client.”
  • “It is billed in advance, based on a flat fee.”
  • “In some cases, a client may be permitted to pay fees by check.”

How Flow Financial Planning, L.L.C.’s fees compare

  • Its hourly rate of $500 is above the Washington median of $300. 95% of the 216 other Washington planners that publish an hourly rate charge less.
  • 7 of the 8 other planners in Bellingham that publish an hourly rate charge less.
  • Its flat or project fee of $11,000-$13,000 is above the Washington median of $3,250. 89% of the 103 other Washington planners that publish a flat or project fee charge less.
  • 3 of the 3 other planners in Bellingham that publish a flat or project fee charge less.

About Flow Financial Planning, L.L.C.

“Annual Advisory Services—Comprehensive Wealth Management Flow provides comprehensive wealth management services for a flat annual fee.”
From the firm's description of its advisory business in its Form ADV brochure.
  • Principal: Helen Bartelt
  • Firm size: 2 employees.
  • Credentials named in the brochure: CFP®.
  • Registered as an adviser: 2016 (10 years).

Planning areas mentioned in the brochure

  • Retirement planning
  • Estate planning
  • Business owners
  • Cash flow and budgeting

Firm details from Form ADV

How the firm is paid
Fixed or flat fees, percentage of assets under management
Charges a % of assets
Yes
Highest asset based fee in brochure
2% a year
Minimum
$10,970 minimum fee (stated in brochure)
Clients
55
Employees
2
Works with
Individuals, high net worth individuals, and charities
Services reported to regulators
Financial planning, portfolio management for individuals and small businesses, selecting other advisers, and educational seminars and workshops
Assets managed
$94,074,148
Registered with
State securities regulators
Disciplinary disclosures
None reported
SEC CRD number
281934
Website
flowfp.com (opens in new tab)
Phone
(360) 643-0788

Can advise clients in 3 states: California, New York, Washington

Other planners in Bellingham that publish fees

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Is something on this page wrong or out of date? Email corrections@plannerfees.com and PlannerFees will check it against the firm's latest filing.