Fee-Only Financial Planner serving clients in Spokane, WA, and across the country.
I spent my entire 15-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 my high-pressure work environment pull me away from my family.
I decided to spend more time with my children. During this time, our family moved to Spokane, Washington. I fell in love with the great outdoors and became an avid hiker.
As a stay-at-home mother, I reflected on a different side of the finance world. I realized that many people are completely shut out of the infrastructure that could completely reshape their financial journeys.
In 2016, I returned to financial services to start Financial Trex. My goal is to provide everyday people the top-level advice that is usually reserved for multimillionaires.
These days, when I'm not hiking with my kids, I am helping people learn they can 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 the country’s 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
- Tax Planning
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
Denise Downey is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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.
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
Virtual meetings and
Virtual meetings and