Avea Financial Planning, LLC is a fee-only financial advisory firm based in the Tri-Cities, Washington area (serving Pasco, Kennewick, Richland, and surrounding regions). We are notable for our transparent, flat-fee model, which is a departure from the traditional industry standard of charging a percentage of managed assets.

What makes Avea Financial Planning unique?

1. The "Four Fs" Philosophy

Our firm heavily emphasizes four core principles that define our service model:

• Fiduciary: We are legally obligated to act in your best interest at all times.

• Fee-Only: We do not accept commissions from insurance companies or mutual fund providers, which reduces potential conflicts of interest.

• Flat Fee: Instead of charging a percentage of your portfolio (e.g., 1%), we charge a set annual dollar amount. This often appeals to clients with higher net worth who feel "punished" by percentage-based fees.

• Focused on Taxes: Our service includes projecting current year and future tax liability, as well as preparing and filing the annual federal tax return, which is uncommon for many standard financial advisors.

2. Leadership and Specialization

The firm is led by Angie Furubotten-LaRosee, Certified Financial Planner™ Pro, a CFP® since 2011 and 20 years of experience working with retirees. Her expertise is primarily focused on:

• Pre-retirees and Retirees: Specifically, those within a year or two of retirement.

• PNNL, Hanford Site and Educators: We have specialized experience working with educators, employees of Pacific Northwest National Laboratory (PNNL), and the companies supporting the Hanford mission.

• Comprehensive Planning: We integrate investment management, retirement income strategies, tax planning, risks to your plan and estate planning.

3. Service Style

• Geographic Reach: While based in Washington, we offer both in-person meetings for locals and virtual services for clients across the country.

• Collaboration: We act as a collaborative, trusted fiduciary financial advisor who provides a roadmap that we execute together, without being tied to specific proprietary financial products.

• Our services are well-suited for individuals with established wealth or IRAs/401ks over $1 million, rather than those starting their savings journey.

This fee-only, fiduciary financial advisor helps families and their loved ones discover their most vital goals and aspirations in life by asking questions. The financial side of life is much more than just your money. The emphasis is on LIFE.

To support your most meaningful and deeply held goals and aspirations, we help you manage your money starting with the basics, your spending, saving, investments, debt and taxes.

We plan for big life events like retirement, sabbaticals, & financial independence or big purchases like real estate, college educations, yachts (just kidding, but if that’s your goal, we’ll work toward it). We also deal with life’s unexpectancies like death, divorce, and inheritances. We want to help you make smart choices that affect not only you but your loved ones, your aging parents, your children and those who depend on you, so that as a family, you share your knowledge and values surrounding money.

I coordinate with other experts in investments, taxes, insurance and law so that we leave no stone unturned. Whatever happens in the world, you will have 100% confidence that YOU WILL BE OK.

My role is oftentimes conflicting. I’m both your biggest cheerleader and toughest accountability coach, your fiercest ally and the one who will challenge your most deeply held beliefs. I sum it up as this. I’m your personal collaborative thinking partner who really wants you to succeed and puts your best interests first.

Yes, I want your money to grow, to build intergenerational wealth and financial security, but not at the cost of living life today. There is a delicate balance. What’s important isn’t only your money. IT IS YOUR LIFE.

We work primarily with individuals and couples who have reached a level of success in their careers and wish to have a long-lasting, collaborative relationship with a trusted fiduciary financial advisor.

We specialize in helping folks at Pacific Northwest National Laboratory (PNNL), the Hanford Site, and Educators transition into retirement by navigating the tax complexities of $1 million+ portfolios like 401(k)s and IRAs, to ensure a tax-efficient and secure retirement.

They might describe themselves as middle class but aspire to reach financial independence earlier than standard retirement age. They might also say that they are (or desire to be) frugal, disciplined, a busy professional, and intentional and thoughtful about their money and goals.

They are generally optimists and know that they hold the keys to happiness and that control lies primarily between their two ears and in their own hands.  Above all, they value positive relationships, deep personal connections, and strong ties to others.

Yes. Avea Financial Planning specializes in helping folks at Pacific Northwest National Laboratory (PNNL), the Hanford Site, and Educators transition into retirement by navigating the tax complexities of $1 million+ portfolios like 401(k)s and IRAs, to ensure a tax-efficient and secure retirement.

Beyond traditional investments, we provide deep expertise in Social Security maximization and retirement income planning, specifically coordinated with your employee pension and insurance plans.

We place the highest value on strong relationships, those between family, friends, community and within our advisory firm. Our goal is to build a select client community of less than 25 households so that we can create deep, lasting relationships, have the most impact and offer the highest level of service and accessibility.

WE FOSTER EDUCATION

The fiduciary financial advisor at Avea helps clients gain clarity and control over their financial life so that they can feel secure in their choices, live their best life and be the strong foundation for loved ones who depend on them.  Engineers or scientists, executives or educators, you are the expert in your field.  We become the experts in you and your financial life.

WE PURSUE EXCELLENCE

We want to be your guide to help you build wealth, financial independence and security. To do that we leave no stone unturned. Your fiduciary financial advisor will look at all areas of your financial life: investment portfolio, taxes, estate planning, debt, insurance, career, relationships, health, happiness and more.

WE WORK TO EARN TRUST

Let's face it.  Aside from someone who shares your last name, as your fiduciary financial advisor, we get to know you in a very deep and personal way. The number one core value for building deep relationships is trust. We work to earn and keep your trust day after day.

WE CREATE FUN

Our financial lives are complex, but with the right fiduciary financial advisor, it doesn't have to be. Nor does it have to be dry, boring, make your eyes roll back in your head numbers-focused stuff. This is your chance to dream BIG, let yourself go, imagine a life that is rich and uniquely yours. This is the Pinterest board of your own life. What's more fun than creating your best, possible life?

The CFP® (CERTIFIED FINANCIAL PLANNER™) is a mark that indicates several things. Most importantly, it confirms that I am a fiduciary financial advisor.  That means that I am legally required to act in your best interest and put the interests of my clients above everything else. The CFP® mark is obtained only after receiving a bachelor degree, specialized financial planning education, on-going ethics training, 3 years of work experience and a rigorous examination (it was 10 hours over 2 days!). The CFP® mark is considered the highest standard in our emerging industry.  In a word, it is financial street cred.

Fee-only means that our firm is paid only by our clients, no one else. Our firm does not sell any financial products or receive commissions. We don't get kickbacks, referral fees, incentives, prizes, travel bonuses, nothing, unlike many other "advisors". There is no one influencing how we advise our client due to incentives.

In 2022, we've taken this a step further in becoming a Flat Fee Fiduciary Financial Advisor.  Read more about what that means here.  The relationship with our clients is sacred and our client's needs are at the center of everything we do.

Yes.  Avea Financial Planning follows a disciplined, globally diversified, and low-cost investment approach designed to capture long-term market returns rather than attempting to "beat" them. We do not believe in market timing or providing advice on short-term stock trades; instead, we focus on a stable investment philosophy built for sustainable growth. This process is centered on diversification and is intentionally cost-effective, helping you meet your long-term goals without following "hot" investment trends or a herd mentality.

To build your portfolio, we begin with a comprehensive review of your current financial situation, specific goals, and personal risk tolerance. Based on these factors, we develop a tailored investment strategy and implement it through preferred custodians or third-party managers. Once your plan is in place, we provide ongoing monitoring and regular reviews to ensure your portfolio remains suitable for your evolving life and objectives.

Our transparent annual flat fee covers full financial planning and management for portfolios up to $3 million. For larger estates, we simply add a straightforward flat fee per additional million. You can find our full, current fee schedule on our Services and Fees page and in our ADV Part 2.

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