Gen Y Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Gen Y Planning works with individual clients, families, trusts and retirement plans and reports approximately $53.7 million in assets under management across two advisors and about 90 client relationships. The firm provides individualized financial planning (broad or modular), investment consultation, and portfolio management services delivered through a third‑party platform.
The firm’s investment approach follows Modern Portfolio Theory and a passive, index‑based strategy that emphasizes diversified, low‑cost, tax‑efficient mutual funds and ETFs with periodic rebalancing. Portfolio management is implemented on a discretionary basis through the third‑party platform; the adviser assists clients with allocation model selection, investor profiling, and periodic reviews, and also offers both fixed‑fee/subscription planning engagements and an hourly planning option.
Noteworthy features include the firm’s reliance on a single external platform for discretionary portfolio management—clients who do not place assets with that platform are offered consultation rather than managed accounts—and the disclosure that the firm’s founder owns equity in the platform provider, which the firm identifies as a material conflict of interest. The firm also uses a structured planning product (an upfront setup and a multimonth subscription for ongoing support) and notes availability of the platform’s crypto portfolios (with separate platform fees), while its advisors hold CFP certification and the firm is registered to advise clients in multiple states.
Client services
Expertise
Demographic focus
Fee options
Financial planning fixed fee ranging from $4,800 to $15,000 per plan; setup fee $2,000-$4,000
$0 - $999,999: 0.88% annually $1,000,000 - $1,999,999: 0.78% annually $2,000,000+: 0.63% annually
$300 per hour for financial planning and investment consultation services
Ongoing monthly fee ranging from $400 to $1,250 paid in advance each month
Fee-only: Financial planning fixed fee ranging from $4,800 to $15,000 per plan; setup fee $2,000-$4,000; ongoing monthly fee $400 to $1,250 paid in advance; hourly fee $300 per hour
Main office
Austin TX
Advisors at this office
2
Most active in
California · Florida · Illinois · Massachusetts · Minnesota · New Jersey · New York · Pennsylvania · Texas · Washington
Also doing business as
Bera, Sophia Jozefa Carlson · Gen Y Planning · Gen Y Planning L.L.C. · Gen Y Planning 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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
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.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Sophia D
CFP®
Austin, TX
Gen Y Planning
Sophia Daigle is a CFP® professional with 13 years of industry experience, currently serving clients at Gen Y Planning in Austin, TX. Her prior experience includes roles at Ellevest, Inc. and operating Sophia Bera LLC, where she conducts speaking engagements and seminars on general financial planning topics. She also works as a freelance author, editor, and speaker outside of her advisory duties. Gen Y Planning serves individual clients, families, trusts, and retirement plans, managing approximately $53.7 million in assets across about 90 client relationships. The firm employs a passive, index-based investment approach grounded in Modern Portfolio Theory, utilizing a third-party platform for discretionary portfolio management and offers both fixed-fee and hourly financial planning options.
Nia S
CFP®, Series 66
Austin, TX
Gen Y Planning
Nia Saville is a CFP®-certified financial advisor with three years of industry experience, currently practicing at Gen Y Planning in Austin, TX. Her work history includes roles at Securities America, Inc. and various independent contracting and advisory positions prior to joining Gen Y Planning. Gen Y Planning serves individual clients, families, trusts, and retirement plans, managing approximately $53.7 million in assets across two advisors. The firm emphasizes a passive, index-based investment approach grounded in Modern Portfolio Theory, using a third-party platform for discretionary portfolio management and offering both fixed-fee and hourly financial planning options.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)