Momentum Financial Planning LLC offers personalized financial planning, coaching, and investment advice for individuals and families. The firm specializes in comprehensive financial planning, cash flow analysis, retirement planning, stock compensation planning, insurance needs analysis, tax strategies, and estate planning. Momentum Financial Planning focuses on passive investing strategies using index funds like mutual funds and exchange-traded funds, but does not manage client portfolios directly or have the authority to make trades on a client's behalf. Services are delivered through ongoing retainer relationships, project-based planning engagements, and educational programs such as the Money & Marriage program for couples. The firm is led by Sarah Sprague Gerber, a Certified Financial Planner and Accredited Financial Counselor.
Fee Structure
Momentum Financial Planning charges ongoing planning fees that are paid monthly in arrears. The cost varies depending on whether services are for an individual or a couple, and the duration of the engagement:
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Year 1 (Financial Life Review, Comprehensive Plan Development, and Financial Education):
- Individuals: $4,188 per year ($349 per month)
- Couples: $5,736 per year ($478 per month)
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Years 2+ (Ongoing Support and Financial Life Updates):
- Individuals: $2,244 per year ($187 per month)
- Couples: $3,300 per year ($275 per month)
These ongoing services include regular meetings, email and phone support, plan updates every three months, and assistance with implementing plan recommendations.
- Money & Marriage Program — $3,299 for a 6-month hybrid program for couples featuring group educational calls and personalized financial guidance
- Just Talk with Me Session — $949 for a one-time 90-minute meeting to discuss specific financial questions based on a pre-meeting questionnaire
- Financial Literacy Courses — $0 to $1,000 depending on course length, complexity, and topics covered
- Educational Seminars and Speaking Engagements — Free to $4,000 per seminar or up to $1,000 per participant