Frequently Asked Questions
Clear, transparent answers about our fee structure, fiduciary standard, and wealth management process.
What is the difference between financial planning and wealth management?
Financial planning helps you identify personal goals, understand cash flow, and create a disciplined roadmap for the future.
Wealth management is a comprehensive discipline designed for higher-net-worth individuals and families that unifies financial planning, discretionary portfolio management, tax-reduction strategies, trust & estate coordination, and family legacy governance under one dedicated advisory team.
How is Selkirk Wealth Advisors compensated?
Selkirk Wealth Advisors is compensated exclusively on a fee-only basis—calculated as a transparent annual percentage of assets under management. We believe transaction commissions and product incentives create inherent conflicts of interest. We never sell proprietary products, never accept third-party kickbacks, and never earn commissions.
What does being a Fiduciary mean for me?
As a Registered Investment Advisor (RIA), we are held to the legal and ethical standard of a fiduciary. This means we are legally required to act solely in your best interests at all times, providing unbiased advice and full disclosure of all material facts.
Where are my investments and funds held?
Your assets are held in accounts registered under your name at an independent, qualified institutional custodian—primarily Charles Schwab & Co., Inc. Selkirk Wealth Advisors never takes physical custody of your funds or securities. You receive official statements directly from Schwab and have 24/7 online access.
Will I work with the same dedicated advisors?
Yes. As an independent firm located in Spokane, you will work directly with our credentialed partners and advisors—including Eric Stutzman, Sarah Williams, and Debra Bell. You will never be handed off to a call center or junior trainee.
How do we get started?
Getting started begins with an informal, complimentary introductory meeting. We review your current financial landscape, answer your questions, and determine whether our advisory capabilities align with your needs.