Access by Human Investing

Whether you’re just beginning or well on your way, find your path to financial wellness

Powerful, Personalized, affordable.

Access by Human Investing is our service offering that makes financial planning and investing accessible to everyone with no account minimums and no minimum fees.

We’re the advisors of choice for local credit unions, leading Northwest companies, and thousands of individuals and families.

We’re backed by more than 20 years of experience, the best technologies, and a fiduciary standard that protects your interests above all else.

We’ve packed in everything you need

Here’s what every client receives, all backed by modern tools, experience, and a fiduciary duty.

A PERSONALIZED FINANCIAL PLAN

Are you looking for your first down payment for a home? Are you wondering if you’ll retire on time? Do you want to do more with your income and savings?
A financial plan can give you these answers. We’ll integrate all aspects of your financial life into a plan that works toward short and long-term goals.

REAL PEOPLE TO WORK WITH

Your personal advisor will work closely with you every step of the way. As your life financial plan evolves, you’ll also have access to credentialed experts who can address everything your money touches.

LOW FEES. NO MINIMUMS, NO COMMISSIONS, NO SURPRISES

We’re fee-only and our fees are competitive. Our fees start at 1.25% per year. For example, an account with an annual balance of $10,000 will cost only $125 per year for our services.
Low fees mean more money for reaching financial goals quickly.

See how we stack up against other options

We bring together the power of financial planning and traditional investment management. Not everyone can do the same.

	Your all-in-one solution	Your other options
		DIY	Robo Advisor	Broker

	Investment Management
Investment Management
	Low cost dynamic investment strategies
Low cost dynamic investment strategies	✔	✔	✔
	Fully diversified portfolio
Fully diversified portfolio	✔	✔	✔	⁇
	Tax-loss harvesting
Tax-loss harvesting	✔		✔	⁇
	Proper rebalancing
Proper rebalancing	✔		✔	⁇
	Tax-efficient asset location
Tax-efficient asset location	✔		✔	⁇
	Account aggregation
Account aggregation	✔	✔	✔	⁇
	Integration of 401(k)
Integration of 401(k) into investment strategy	✔			⁇
	Ease the time and stress
Ease the time and stress to manage a portfolio	✔		✔	✔
	Pay commissions
Pay commissions				✔
	Financial Planning
Financial Planning
	Fiduciary advisors
Fiduciary advisors serving your interests	✔			⁇
	Goals-based planning and management
Goals-based planning and management	✔			⁇
	Accessible educational content
Accessible educational content	✔