402 Financial
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About
402 Financial is a fee‑only registered investment adviser that serves individuals (including high‑net‑worth clients), charitable organizations, and corporations, providing discretionary and non‑discretionary investment management as well as both project‑based and ongoing financial planning. The firm advises on equities, fixed income, mutual funds, ETFs and cash equivalents, and may refer clients to third‑party professionals without receiving referral compensation.
The firm’s investment process emphasizes asset allocation informed by Modern Portfolio Theory and often uses passive, index‑based funds to implement target allocations, while monitoring for overlap and manager consistency. It tailors plans to client goals and risk tolerance, integrates retirement, tax, estate and business planning, and offers values‑based options — including a Biblically Responsible Investing focus — and allows client‑imposed investment restrictions.
Noteworthy aspects include its recent formation in 2024 as a small, co‑founder‑led practice managing roughly $10.8 million for about two dozen clients and its stated lack of a minimum account size. The firm operates under a fiduciary, fee‑only model (no commissions or performance fees), employs at least one CFP® and a Certified Christian Financial Counselor on staff, and recommends institutional custodians (Altruist and Schwab) while permitting client‑directed brokerage.
Client services
Expertise
Demographic focus
Fee options
Project-Based Financial Planning fixed fees range from $1,000 to $5,000; initial financial planning fee from $1,000 to $2,000; ongoing planning fees $175 to $500 per month.
$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $5,000,000: 0.90% $5,000,001 - $10,000,000: 0.80% $10,000,000+: 0.70%
$150 per hour for project-based financial planning.
Ongoing Financial Planning fees paid monthly in advance, ranging from $175 to $500.
Fee-only: Fees are negotiable; no commissions or other sales-related compensation; fixed fees for financial planning.
Main office
Lincoln NE
Advisors at this office
2
Most active in
Nebraska
Also doing business as
402 Financial · Yellow Finch, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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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.
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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.
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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
Quick links
Advisors at this firm
Joe F
CFP®
Lincoln, NE
402 Financial
402 Financial is a fee-only financial advisor firm serving Lincoln, NE and surrounding areas, founded by Christian Classen and Joseph Fowler, CFP®. We specialize in retirement planning. We started 402 because we were tired of "financial advisors" who made their living selling annuities and expensive mutual funds, without adding any value to the clients they claimed to serve. Our process goes beyond investments; we focus on minimizing your lifetime tax bill and enabling you to give to the charities you love.
Christian C
Series 65
Lincoln, NE
402 Financial
Christian Classen is a financial advisor at 402 Financial in Lincoln, Nebraska, holding a Series 65 designation with five years of industry experience. His prior roles include positions at Plan A Wealth, LLC and Spectrum. 402 Financial provides investment management and financial planning services to individuals, charitable organizations, and businesses. The firm uses a passive, asset-allocation approach grounded in modern portfolio theory and offers comprehensive planning across multiple areas, including a Biblically Responsible Investing option.
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