Denise Downey


Financial Trex, LLC

Financial Advisor

I can work with clients anywhere!

Denise Downey


Financial Trex, LLC

Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Denise Downey, CFP®, MBA

Fee-Only Financial Planner serving clients in Spokane, WA, and across the country.

Denise Downey is a fee only financial planner with clients in Spokane, WA and across the country. Financial Trex provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Denise Downey is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

I am Denise Downey. I've spent my entire 19-year career inside the financial services industry: working on the trading floor of the Chicago Stock Exchange, managing back-office support teams, and serving as a financial planner for high-net-worth individuals.

In 2015, I decided to leave my full time job as a financial planner. I loved my career, but I wasn't comfortable letting the high-pressure work environment pull me away from my family.

I decided to spend more time with my children and pursue an MBA. During this time, our family moved to Spokane, Washington. I fell in love with the great outdoors and became an avid hiker.

In 2016, I launched Financial Trex. My goal is to provide everyday people top-level advice with no pressure to buy products or services.

I have a wonderful husband and 3 kids that keep me busy when I am not helping people achieve financial success on their own terms.

Denise Downey is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

As a Certified Financial Planner™, I love helping people figure out how to achieve their financial goals.

In order to stay simple and transparent, Financial Trex operates as a fee-only firm. This means I earn an income based on the services I provide for you and not from selling you financial products you don't need.

This is a different approach than what you would find at larger financial institutions where their financial planners are paid on commission and driven by sales. Many of my clients have tried this traditional route and found it didn't work for them.

My focus on services, rather than commission, allows me to concentrate my energies on a small group of clients who I work with year in and year out.

I work with clients nationwide via phone, email, Skype, and Google Hangouts (or in person if you are in the Spokane area). My approach allows for flexibility to chat with clients whenever it's convenient for them.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Cash Flow Management

Ideal Clients

  • Growing Families
  • Novice Investors
  • Business Owners and Executives
  • Retirees and Near Retirees
  • Sudden Money Situations

Working Together

  • Virtual Meetings
  • No Product Sales
  • Clearly Defined Fees
  • Complimentary Initial Consultation
  • Evening and Weekend Hours

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Denise Downey is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Denise Downey is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • XY Planning Network
    Denise Downey is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

Contact Denise Downey

Please enter your name
Please enter a valid 10 digit US phone number in the format xxx-yyy-zzzz
Please enter a valid email address
Please leave a message for the advisor.
Clear Form
Please verify that you aren't a robot.
There was an issue sending your message. If this issue persists, please contact support.
Message Sent! Your message info will be displayed in other advisor contact forms to make it easy to send to multiple advisors. We do not share your message content beyond the advisors you choose.

Office Locations:

  • Virtual meetings and
    In Person
    Spokane, WA 99203

Outdated Browser Detected!

If you're seeing this message, it's because the web browser you're using to access our site is much older and no longer supported. Due to privacy and safety concerns, we don't allow older browsers to access our site. In order to access, please use a newer browser, like Internet Explorer 10 or above, Google Chrome, or Mozilla Firefox.

Download a newer browser