Trail Financial Planning, LLC is a fee-only financial planning and investment management firm located in Bellingham, WA

Trail Financial Planning


Pain in Ukraine part 2: Cybersecurity

The situation in Ukraine is terrible and unstable.  As the world takes a stand against Putin's war, there may be backlashes.  One such backlash may be increased cyberattacks.  The war in Ukraine has prompted me to consider my exposure to cybersecurity risks, our defenses, and...


Pain in Ukraine part 1: Giving

I am deeply saddened by the pain being inflicted on the Ukrainian people due to the Russian invasion.  The news is harrowing, yet compelling.  I can't look away from the news feeds of tragedy, but also of courage and resilience.  This blogpost is the first in...





Charitable giving in the time of Covid

Imagine your financial house is like an apple tree.  Hanging on the tree are the fruits of your labor or good fortune.  Although many people are finding 2020 to be a bad harvest as their jobs or businesses were impacted by COVID-19, there are others...


History has its eyes on US

Tomorrow is the US election.  It is natural to wonder how the election and the next president (and wider government) will impact our lives.  From our April tax bill to the performance of our investments, from the dreams of our kids to our next breath...


What matters to a kid

This blog is loosely themed - "financial matters that matter."  Usually, I constrain my posts to finances.  This post is a little different, although still about what matters.   When I heard that Chadwick Boseman had died this past weekend, I felt as though living just got...


Spending in a Time of Covid-19.

There are days when the Sun rises, but my spirit can't seem to get out of bed.  Two days ago, I woke at my normal early hour, took our dog Josie for a wander, then returned home to find that the coffee jar was empty. ...