Charting a Course to Your Financial Future
​Independent, fee-only financial planning firm in Idaho Falls, led by a CFP® professional. We build and maintain coordinated financial plans and manage investments for retirees, business owners, and families in Idaho and beyond. As fiduciaries, we're paid only by our clients, never by commissions.
Fee-Only – No Commissions
Fiduciary – 100% of the Time
CFP® Credentialed Advisor
Independent – Schwab Custody
Locally Owned – Idaho Falls
WHO WE SERVE
People building and protecting real wealth.
There’s no single profile of a Spinnaker client — these are examples of the kinds of situations we help coordinate, not requirements for working with us.
Physicians & Surgeons
High income, practice ownership, student loans, and the transition into retirement.
Business Owners & Entrepreneurs
Succession, cash flow, and coordinating business and personal finances.
Executives & High-Income Professionals
Equity compensation, concentrated positions, and tax-efficient investing.
Retirees & Pre-Retirees
Income planning, Social Security timing, and tax-efficient withdrawals.
Families & Individuals Building Wealth
Cash flow, investing, education planning, and long-term goals.
WHAT WE DO
Comprehensive planning – not just investment management.
Seven coordinated services form the foundation of a Spinnaker plan, connecting the decisions that are usually made in isolation.
Financial Planning
A single plan connecting cash flow, savings, and goals.
Estate Planning Education & Coordination
Helping you understand your options, then coordinating with your attorney to carry them out
Investment Management
Evidence-based portfolios built for your plan, not the market’s mood.
Risk Management
Evaluating insurance and other exposures with you.
Retirement Planning
Maximize Income, Social Security, and withdrawal sequencing in order to save you the most money possible
Business & Practice Planning
Coordinating business decisions with your personal plan.
Income Tax Planning
Mapping out the tax impact before you commit to it
How we're paid
Fee-only. Paid by you — never by commissions.
We don't sell products or earn referral fees, so our only incentive is your outcome. Our full fee schedule is published openly, not buried in a disclosure document.
Why work with a financial advisor
The value is in the coordination, not a prediction.
A Coordinated Plan
Connecting investments, taxes, retirement, insurance, and estate decisions instead of handling each in isolation.
An Objective Perspective
An outside, unemotional view when a decision is significant enough that it's hard to see clearly from inside it.
Accountability
Help setting goals — and a structure that helps you actually follow through on them.