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Frequently Asked Questions

Twenty Twenty Investment Advisors is an independent, SEC‑registered investment advisory firm based in Spokane, Washington. We help individuals, families, and businesses gain clarity and confidence in their financial lives through thoughtful financial planning and disciplined investment management. Our approach is rooted in understanding each client’s unique goals and delivering personalized strategies focused on long‑term success, risk management, and informed decision‑making.

Twenty Twenty Investment Advisors provides comprehensive financial planning and investment advisory services designed to bring clarity and confidence to your financial decisions. Our services include personalized investment allocation, portfolio and investment risk management, retirement and 401(k) planning, college cost planning, and company retirement benefit consulting. Our focus is on delivering thoughtful, objective advice and practical solutions tailored to each client’s unique situation. For more information click here.

At Twenty Twenty Investment Advisors, relationships are at the core of everything we do. We believe great financial outcomes are built on trust, communication, and long‑term partnership. Many of our clients come to us through referrals, and we consider that the highest compliment. Our clients have been our strongest advocates, and we are committed to earning that trust every day.

Rather than a transactional experience, we focus on building lasting relationships and being a steady, reliable resource through all stages of life. Our goal is not just to help clients make good financial decisions today, but to support them over the long term with clarity, consistency, and care.

Investment decisions at Twenty Twenty Investment Advisors are made through a collaborative team approach. Josh and Bruce work closely together on portfolio strategy and asset allocation. Bruce leads much of the research and analysis, bringing ideas to the table, while the team discusses and evaluates whether those strategies are the right fit for our models and client goals.

Megan, an Investment Advisor Representative who has passed the Series 65, is actively involved as well. She works closely with clients and the investment team, gaining hands‑on experience with our investment process and continuing to deepen her knowledge as she grows in her advisory role.

To learn more about them click here. 

Our clients come from all walks of life. We work with successful professionals, business owners, young professionals, and retirees who value ongoing financial planning and want a trusted fiduciary to manage their investments and guide their long‑term financial life. They want reassurance that’s grounded in numbers and trust.

Our focus is mainly on people who are preparing for retirement, already retired, or going through a major financial transition. They appreciate having their CPA, attorney, and other advisors all working together, and they care about creating a clear path for their family, their wealth, and their legacy.

Our PRISM investment philosophy provides a structured approach to building and managing portfolios. By prioritizing goals, assessing risk tolerance and preferences, staying cost‑ and tax‑aware, and continuously monitoring alignment, we help ensure your investments stay focused and intentional through changing market environments.

No. While Twenty Twenty Investment Advisors is proudly based in Spokane, Washington, we work with clients both locally and beyond the Spokane area. Using secure technology and virtual meeting options, we are able to serve clients regardless of location, subject to applicable state and regulatory requirements. Whether you prefer in‑person meetings or remote collaboration, our focus remains the same, providing personalized financial planning and investment guidance tailored to your needs.

You don’t need to have a certain amount of money to work with an advisor. If you’re simply looking for guidance or want help understanding your options, Twenty Twenty Investment Advisors offers hourly planning services. This allows you to get professional insight, ask questions, and explore your choices without committing to ongoing investment management. Our goal is to help you gain clarity and decide what makes sense for you.

There are many questions to ask when meeting with an advisor for the first time. Meeting with a financial advisor is an opportunity to see if there’s a good fit. Some helpful questions to ask include:

  • Are you a fiduciary, and will you always act in my best interest?
  • What services do you provide, and who are they best suited for?
  • How do you help clients navigate market volatility or uncertainty?
  • What information do you need from me to get started?
There are more questions that you can ask on our home page towards the bottom labeled "10 Questions to ask yourself when evaluating an investment advisor". Most importantly, notice how the conversation feels. The right advisor should listen, explain things clearly, and help you feel comfortable asking questions, without pressure.