Eric Smith

Hi, I’m Meg. I’m the founder and lead planner at Flow Financial Planning. We are dedicated to women in their early-to-mid career in the tech industry, specializing in the IPO journey: pre-IPO, going through the IPO, and managing the wealth—and attendant opportunities—that come out of it. Do you: • Want to achieve some level of financial independence? • Wish you felt more confident in your financial choices, because you understood how they fit into the larger strategy? • Make more money than you expected to? Are you anxious that you’re not doing the right thing with it? • Have no one in your life you can talk to about your money? • Have more money than you need right now, and you don’t want to waste this opportunity? • Receive company stock but are unsure how to use it? • Dream about leaving the tech industry, but wonder how you could walk away? Together we can work through it all. Get more clarity on what you want in life. Identify specific tasks you can do to organize, simplify, and strengthen your finances, so you can create that life for yourself. My credentials and education: • Certified Financial Planner® professional • Retirement Income Certified Professional® • Registered Life Planner® • Masters of Science in Financial Planning, Golden Gate University • Bachelor of Arts in Economics, Wellesley College Prior to becoming a financial planner, I worked as a technical writer for 10 years in the San Francisco Bay Area, mostly in the software-security sector. After San Francisco and two cross-country moves, my family settled in Bellingham, WA. (I can see Canada from my front porch!) So many of my interests—hiking, biking, cooking, yoga, never-ending kale—are part of the fabric of life here. If you’d like to get some financial clarity, please set up a short, free call. If nothing else, check out our blog. Twice a month I write about issues pertinent to women in tech. You don’t want to miss the Adventures of Block Woman, do you?

My path to financial planning has been sinuous, varied, adventuresome. The way I work with people and their financial lives can be understood through my journey Trailo today. Thus, I will start my story at the beginning. I grew up in Corvallis, Oregon - elementary school, kid soccer, high school, first kiss, Bachelor of Science in Civil Engineering - the whole bit. I was fortunate to have two loving parents. My mom was the financial stability in the family - she worked at a steady job with the university, helping scientists with their writing. She is now known as the “Grammar Grandma” in our family. She taught me to love words, but also gave me a chronic case of the worries. My dad was more of a maverick, boldly lunging from one line business venture to another. He valued people and life experiences over career. He taught me to love the world and its inhabitants, but also stuck me with a “grass is greener” mentality. After finishing university in 1994, I longed to expand my world. I bounced around Oregon, then moved to Montana to work as a wilderness therapist. I spent week-long shifts as a guide/therapist with groups of juvenile delinquents who were working through the consequences of their actions. We explored the wilds of nature and the wilds of the human spirit. There, I met a girl who captured my heart - Amy. Amy was a free spirit, but also highly practical. She was, and is, very careful with her money; she embraces frugality. She continues to teach me to love a life we are living rather than long for a life we are not. I enjoyed working with teens but yearned for more academic work, so I went back to school to become a high school teacher. I earned a Masters of Science in Physics and a teaching certificate. After graduation, but before starting a family, Amy and I wanted to explore. We found jobs working as educators at an international school in South Africa. We got married, and four days later moved to Johannesburg. We lived there for two years, where we were blessed to forge deep friendships with people around the world. We also were earning our first real paychecks and found ourselves with extra money. I realized that despite earning heavily math-based degrees, I did not understand the math of money whatsoever. I needed a new education. So I began a path of self-study, reading every book and website I could about investing and personal finance. Our daughter, Mia, was born in South Africa, and we wanted to move back to the US, to be closer to family. We decided on Bellingham, WA. It is a quiet, livable city, with easy access to the trails of North Cascades and Chuckanut's. Perfect. I found a job teaching high school science and math, but in my off hours, I continued to learn and experiment with financial matters. Our son, Porter, was born two years later. With two young kids, money grew tight. But, we managed to buy a house and still save some of our earnings for the future. I started trying to get friends to participate more directly in their own financial lives. We started an investing club called “Stocks and Suds.” I’d bring spreadsheets, they would bring beer. Mostly, we just enjoyed the suds. A few friends started asking if I’d manage their money for them. So, in 2012 I started a solo investment advisory business. I focused on helping people set up little “hobby” investment accounts, like Roth IRAs, in addition to their work-based retirement plans. Within a few years though, people started asking me to help them with more of their financial lives. I became aware that there was much more to finance than just investments. One of my wife’s therapist colleagues, Liz, started talking to me about my business. Liz was also interested in helping people with their financial lives. We discussed going into business together, with a broader focus on financial planning rather than just investments. I could see a transition coming up, so I took a half-year off from teaching. My family spent four months traveling through Southeast Asia. Our trip was a microcosm for sound financial planning - set a goal, create a budget, save for it (we’d been saving for several years), then adventure! We learned to blog together, to rejoice together, to gag together, and to exist together in tight quarters. Our trip was called “Cheeseburgers in Asia.” Our blog can still be found with a simple Google search. When I returned from our travels, Liz and I began building the business in earnest. We launched “Trail Financial Planning” in June 2017. Our business is doing well. I can feel the windswept adventure of starting a business from scratch. But my knees are scratched and banged up from the missteps I’ve made. My dad would be proud of the journey. I get to work with people, to help them alleviate fears and worries. My mom approves. I help people care for their pennies. My wife is satisfied. Most of all, I am content. I get to work with people in an ongoing act of stewardship - while we care for their finances, we are really caring for their futures, their loved ones, their dreams, and their missions.

David Rubbert is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career at Merrill Lynch 37 years ago and has developed expertise in areas including family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, and small business strategies. Throughout his career, he has worked closely with clients at various life stages to develop personalized financial plans aimed at pursuing their long-term goals. David holds a Bachelor's Degree from WWU and the designation of Personal Investment Advisor (PIA). He is committed to providing flexible wealth management strategies tailored to clients' individual financial pictures while leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America. Outside of his professional work, David is active in his community through volunteer efforts and enjoys spending time with his family and grandchildren. He also pursues outdoor activities such as fishing, golfing, hunting, and playing pickleball with friends.