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402 Financial

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Total assets under management

$2,507,285

Total clients

9

0% high-net worth

Total advisors

2

of 2 employees

Firm size

Supported

1-3 advisors or $200M+ in AUM

Average clients per advisor

5

Average account size

$278,587

About

402 Financial provides investment management and both ongoing and project-based financial planning to individuals (including high‑net‑worth clients), as well as charitable organizations and businesses. The firm operates on a fee‑only basis and currently manages a very small number of client relationships.

Its investment approach is grounded in modern portfolio theory and passive asset‑allocation using mutual funds and ETFs, with the firm able to manage accounts on a discretionary basis while accommodating client‑imposed restrictions. 402 Financial also integrates comprehensive planning topics — including retirement, tax, estate, business, and college planning — into portfolio construction and offers a Biblically Responsible Investing option for clients seeking values‑based portfolios.

Noteworthy features include the firm’s recent founding in 2024, its two‑adviser structure, and a small asset base and client roster relative to typical supported firms, which may affect scale and service model. The firm recommends institutional custodians (including Altruist and Schwab) and documents specific 401(k) advisory arrangements, and its advisory team combines a CFP® credential with a faith‑based financial counseling designation.

Client services

Financial planning Portfolio management

Fee options

Fixed

Project-Based Financial Planning fixed fees range from $1,000 to $5,000; initial fee for ongoing planning $1,000 to $2,000; ongoing planning monthly fixed fees $175 to $500.

Percentage

$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $5,000,000: 0.90% $5,000,001 - $10,000,000: 0.80% $10,000,000+: 0.70%

Project-based

Project-Based Financial Planning hourly rate $150 per hour.

Other

Fee-only: Investment Management fees based on tiered percentage of assets under management; ongoing financial planning fees $175 to $500 per month fixed; project-based financial planning fixed fees $1,000 to $5,000 or hourly rate $150/hour.

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Main office location

402 Financial

Lincoln NE, United States

Number of offices

1

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn YouTube Website 402-764-0157

Advisors at this firm

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Joe F

CFP®

Lincoln, NE

402 Financial

402 Financial is a fee-only financial advisor firm serving Lincoln, NE and surrounding areas, founded by Christian Classen and Joseph Fowler, CFP®. We specialize in retirement planning. We started 402 because we were tired of "financial advisors" who made their living selling annuities and expensive mutual funds, without adding any value to the clients they claimed to serve. Our process goes beyond investments; we focus on minimizing your lifetime tax bill and enabling you to give to the charities you love.

General tax planning Retirement income strategy Young Families Gen X (Born 1965-1980)
user avatar

Christian C

Series 65

Lincoln, NE

402 Financial
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