Sea Change Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$11,523,323
Total clients
28
32% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
28
Average account size
$411,547
About
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.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
General estate planning guidance
Retirement income strategy
Fee options
Project-Based Financial Planning fixed fee ranges between $2,000 and $4,000, negotiable
$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.90% $2,000,001+: 0.80%
$250.00 per hour
Main office location
Sea Change Financial Planning
Point Pleasant NJ, United States
Number of offices
1
Most active in
Sea Change Financial Planning has reported serving >5 clients in these states in the last 12 months.
New Jersey
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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