Sea Change Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
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
Point Pleasant NJ
Advisors at this office
1
Most active in
New Jersey
Also doing business as
Sea Change Financial Planning · Sea Change Financial 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
Quick links
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”)