Sea Change Financial Planning

Sea Change Financial Planning works with individual clients, including high-net-worth individuals, providing tailored investment management alongside a range of financial planning services such as ongoing comprehensive planning (monthly fees), project‑based plans, and hourly engagements. The firm also offers educational seminars and speaking engagements and reports $10,175,415 in non‑discretionary assets under management for about 25 clients.

The firm develops individualized investment policies based on client goals and uses fundamental analysis while employing both passive and active strategies, with attention to tax considerations and asset allocation. Clients may impose reasonable restrictions on holdings, and the adviser generally operates on a non‑discretionary basis—requiring client authorization before executing trades—while performing regular monitoring and periodic reviews.

Distinctive features noted in the brochure include the firm’s reporting of no discretionary AUM (all reported assets are non‑discretionary) and a practice of providing public educational seminars and paid speaking engagements, sometimes offered pro‑bono; the brochure emphasizes these presentations are educational and do not involve selling investment products. The firm also states it receives no third‑party compensation, does not participate in wrap fee programs, and recommends custodians while allowing clients to choose where assets are held.