Sea Change Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$11,523,323
Clients
28
32% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
28
HighAverage account size
$411,547
About
Sea Change Financial Planning serves individual clients, including some high-net-worth households, offering investment management along with project-based, ongoing, and hourly financial planning. The firm also provides educational seminars and speaking engagements for organizations and the public, with content presented as general, non-individualized financial education.
The firm develops individualized investment policies using fundamental analysis and a mix of passive and active vehicles, and it constructs portfolios to align with clients’ stated objectives, tax considerations, and risk tolerances. Notably, Sea Change reports $11,523,323 in non-discretionary assets under management and no discretionary AUM, meaning trades are implemented only with client authorization; the firm recommends Charles Schwab as a custodian.
Compared with many peers, Sea Change is atypical in its reliance on non-discretionary management and its formal seminar/speaking program, which the brochure notes can be fee-based or provided pro bono. The firm serves a small roster of clients (28), the founder performs supervision and client reviews, and the brochure discloses the founder holds no professional designations, all of which may be relevant considerations for prospective clients.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
Fee options
$2,000 to $4,000 (negotiable) for project-based financial planning
$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.90% $2,000,001+: 0.80%
$250.00 per hour
Upfront fee of $500 and ongoing fee of $100-$500 per quarter (monthly paid) for ongoing comprehensive financial planning
Main office location
Sea Change Financial Planning
Point Pleasant NJ, United States
Number of offices
1
Most active in
Sea Change Financial Planning has reported serving >5 clients in these states in the last 12 months.
New Jersey
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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