Momentum Financial Planning LLC

Updated today

Find your advisor

Client AUMClient assets under management

Clients

Advisors

of 1 employees

Clients per advisor

High

Avg AUM per client

Very Low

HNW client ratio

Low

About

Momentum Financial Planning LLC provides ongoing and project-based financial planning and investment advice to individuals and families. Services described in the brochure include cash-flow and retirement planning, stock compensation and estate strategies, a six-month Money & Marriage program for couples, and group financial literacy courses and seminars.

The firm’s investment guidance emphasizes passive, low-cost strategies using mutual funds and ETFs, and may include creating investment policy statements, implementation assistance, and monitoring recommendations. Momentum does not provide portfolio management or discretionary authority; clients retain decision-making and ongoing planning relationships are documented and supported through a collaborative financial life workbook.

Distinctive aspects noted in the brochure include the use of third‑party ratings and client testimonials in its advertising and a formal offering of seminars and online courses—features that are uncommon among similar solo independent advisers. The firm reports no assets under management, operates on a fee-only basis without percentage-of-AUM fees, and serves a relatively small client base (32 clients), which together shape its advisory model.

Client services

Financial planning Educational seminars or workshops

Expertise

Stock option exercise strategy Cash flow / budgeting College savings (529s, UTMA, etc.) General retirement planning

Fee options

Other

Fee-only: Ongoing Planning fees: Individuals $4,188/year ($349/mo) Year 1; $2,244/year ($187/mo) Years 2+; Couples $5,736/year ($478/mo) Year 1; $3,300/year ($275/mo) Years 2+; Project-Based fees: Money & Marriage program $3,299 for 6 months; "Just Talk with Me" session $949; Financial literacy courses $0 to $1,000; Educational seminars $0 to $4,000 per seminar or $0 to $1,000 per participant

Main office

Longmont CO

Advisors at this office

Most active in

Colorado · Texas

Also doing business as

Momentum Financial Planning LLC · Sarah Sprague Gerber

Disclosures

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

Form ADV Part 2: Client Brochure

Quick links

Facebook Instagram Website (815) 670-6202

Advisors at this firm

Sarah G

CFP®

Longmont, CO

Momentum Financial Planning LLC

Momentum's innovative "Money & Marriage" program aims to help committed couples work through the challenges and financial planning opportunities that come with combining (or not combining) finances as they choose to get married. In addition, Momentum provides project and ongoing financial planning to engaged/newlywed couples, young families, and individuals to help them make the most of their money. Whether it's deciphering your stock compensation, deciding what to do with your new paycheck, determining how to invest your 401(k), deciding to pay down student loans or contribute to a Roth IRA, Momentum will show you how to navigate the personal financial world. I'll help you get started on the right financial track for your future financial success. Building your financial foundation shouldn't be so hard, and I'm here to help change that. Let's work to build your financial confidence and execute your plan together. After work, I'll be running, reading, or playing with my daughters. Or possibly nerding out on biochemistry too :)

Stock option exercise strategy Cash flow / budgeting College savings (529s, UTMA, etc.) General retirement planning Newlywed/Engaged Young Professionals Gen Y/Millennials (Born 1980-1995)

View complete list of advisors at this firm

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.

Find your advisor

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 referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev

Find the right match for you

Answer a few quick questions and we'll tailor results to your goals, so you can hire smarter.

Find your advisor

A smarter way to hire an advisor Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may — or may not — fit, and move forward with confidence. Show more

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may — or may not — fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained Get to know your advisors' credentials, history, specialization, client fit, and communication style. We're selective about who we recommend — and tell you why we think someone fits your situation. Show more

We review transparently

Get to know your advisors' credentials, history, specialization, client fit, and communication style. We're selective about who we recommend — and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction — we're here to make sure the relationship works for you. Show more

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction — we're here to make sure the relationship works for you.

Our ongoing support