Threadline Wealth is a investment adviser based in Bellevue, WA, that holds a 84.7/100 Fidelon TransparencyScore (th percentile), with 22 registered advisors. Score based on public SEC and FINRA filings.
Threadline Wealth
Moss Adams Wealth Advisors · CRD #108917
A registered investment adviser held to a fiduciary standard.
Fidelon Fact Sheet
Threadline Wealth is an investment adviser that used to be called Moss Adams Wealth Advisors LLC. The firm is in Bellevue, Washington and serves mainly retail clients. It manages investment portfolios, helps with financial planning, and runs educational seminars. Clients pay the firm 0.25% to 1.25% of assets per year. The firm holds client money, which means it can access funds directly. Its regulatory record shows disclosures on file.
Peer Context
How This Firm Works
Registration & Standard of Care
Investment Adviser — this firm is a registered investment adviser, held to a fiduciary standard — legally required to act in clients' best interests.
How This Firm Gets Paid
- Charges a percentage of assets under management
- Charges fixed fees for specific services
- Does not earn commissions on product sales
What you’d pay
Your balance falls in the $0 - $1,000,000 band, charged at 1.25% on the full amount.
Above $1M the rate drops to 1.00% — $2,500 less per year.
Not included above
- • Custodian charges interest on margined amounts
- • additional custodial fees on private/alternative funds
- • third party money managers and private investment funds provide investment management services for an additional fee
- • fees and transaction costs charged by the custodian
- • mutual funds subject to additional advisory fees and other expenses
- • potential deferred sales charges on mutual funds
- • financial planning fees range from $3,500 to $30,000 or more
- • investment consulting services for a fixed fee
Estimated from the firm’s Form ADV Part 2A brochure — not a quote. Actual fees are set in your agreement and may differ. Costs charged by others (custodians, fund managers) are not included.
What This Firm Charges
| Account Size | Annual Fee |
|---|---|
| $0 - $1,000,000 | 1.25% |
| $1,000,001 - $2,000,000 | 1.00% |
| $2,000,001 - $5,000,000 | 0.75% |
| $5,000,001 - $10,000,000 | 0.50% |
| $0 - $10,000,000 | 0.25% |
| $10,000,000+ | 0.25% |
Billed payable in arrears for each calendar quarter on a pro-rated basis
Extracted from Form ADV Part 2A brochure
Specializations
Extracted from Form ADV Part 2A brochure
Key Findings
Strengths
- Fee-only compensation — no commission income reported
- Registered as investment adviser with fiduciary obligation
- No broker-dealer registration — advisory services only
- Transparent fee structure — charges advisory fees, no commissions
- Above-average TransparencyScore — 84.7/100
Things You Should Know
- 1 regulatory complaint in public regulatory filings
- Conflict disclosure in the client summary — filings provide less detail than higher-scoring peers in this area
- Fee disclosure could be more detailed — while this firm charges fee-only (no commissions), its regulatory filings describe fee schedules and service terms less clearly than top-scoring peers
Conflict Audit
Zero material conflicts identified in regulatory filings.
Source: Form ADV Part 1, Items 6-8; Part 2A, Items 10-14
What this firm says about how it gets paid
“You should be aware that we have an incentive to encourage growth in assets under management.”
Source: the firm’s own Form CRS, filed 2026-05-28 — quoted directly
Regulatory Track Record
1
Disclosures
$0
Total Fines
Clean record — no fines found
Regulatory Events
TransparencyScore Dimensions
Disclosure Record
Customer complaints, arbitrations, and fines. Frequency and recency matter.
99/100
Strong
Avg for investment adviser firms: 82.6 | Top 10%: 99.5
Filing Quality
How clearly the firm describes services, fees, and investment approach in regulatory filings.
82/100
Strong
Avg for investment adviser firms: 84.1 | Top 10%: 100
Conflict Disclosure
How openly the firm explains who pays it and what it's paid to sell. The conflict isn't the problem — hiding it is.
54/100
Weak
Avg for investment adviser firms: 54 | Top 10%: 67
Enforcement History
Self-reported legal and disciplinary history from Form ADV Item 11.
100/100
Strong
Avg for investment adviser firms: 99.7 | Top 10%: 100
Next Steps
Advisor Roster
22 advisors
| Advisor | CRD | Score | Grade |
|---|---|---|---|
| John Thomas Davis | 4235662 | — | — |
| Kelsen William Edwins | 5433517 | — | — |
| Ryan Lynn Franklin | 5283929 | — | — |
| Dominic Amato Cellitti | 6265425 | — | — |
| Jennifer Rose Furness | 2657358 | — | — |
| Anneliese Mae Johnson | 2921426 | — | — |
| Aaron Blake McFarland | 5043231 | — | — |
| Joseph Thomas Ghidossi | 5541996 | — | — |
| Brandon Charles Zilles | 6749486 | — | — |
| Justin Alexander Fisher | 5481452 | — | — |
Marketing Brands2 brands
Names advisors at this firm use when marketing to clients
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Frequently Asked Questions
What does the TransparencyScore measure?
The TransparencyScore measures how clearly and completely an advisor or firm discloses important information in their regulatory filings — things like fees, conflicts of interest, disciplinary history, and business practices. A higher score means better disclosure quality, not better investment performance.
Where does this data come from?
All data comes from public regulatory filings: SEC Form ADV (Parts 1, 2, and 3), FINRA BrokerCheck, and the SEC's Investment Adviser Public Disclosure (IAPD) database. These are official filings that firms and advisors are legally required to submit.
Does a low score mean they're a bad advisor?
Not necessarily. A low score means the firm's public filings are less transparent — they may use vague language about fees, skip details about conflicts, or have a more complex regulatory history. Some excellent advisors work at firms with poor disclosure practices. The score measures the filing, not the person.
How often is this data updated?
Fidelon refreshes data from SEC and FINRA sources on a regular schedule. Form ADV filings are updated annually by firms (with amendments throughout the year), and BrokerCheck data is updated as events are reported. Scores are recalculated after each data refresh.
Can an advisor or firm improve their score?
Yes. Scores are based on what's in public filings. A firm that rewrites its ADV brochure in clearer language, discloses conflicts more specifically, or resolves outstanding regulatory issues will see its score improve at the next refresh. The incentive structure is intentional.
Data Sources
Scores are generated using Fidelon's published scoring methodology and reflect the quality of public disclosures, not the quality of investment advice. A firm that improves its disclosures will see its score improve. Fidelon does not provide investment advice.
Verify on SEC IAPD
Last scored: · Score version: 3.8 · CRD #108917