Mary Ann Sullivan
Pension-focused retirement planning and education for educators and public employees who want to manage their own money confidently.
395 Financial Planning · Mammoth Lakes, California
Mary Ann Sullivan is a fee-only financial advisor at 395 Financial Planning in Mammoth Lakes, California, who holds the CFP and RICP credentials. Mary Ann charges a subscription and a one-time planning fee (one-time plans from $395) and focuses on retirement planning, tax planning and small business owners.
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Specialties
Who they serve
- Pre-retirees
About
Mary Ann Sullivan spent two decades at the Los Angeles Unified School District as a teacher, principal and administrator, including transforming one of its 10 lowest-performing schools. She brings that belief in education as empowerment to 395 Financial Planning, helping people learn to manage their finances themselves with confidence.
Mary Ann helps clients manage investments, cut fees, improve cash flow and make the most of pension and union benefits, with particular knowledge of CalSTRS, UCRP and MPIPHP. She has worked with employees of LAUSD, Stanford, USC, several UC campuses, LADWP and a number of school districts and colleges. Her focus is retirement cash flow with a pension, small business planning and easy systems for implementing and monitoring a plan. She holds RICP and DACFP digital asset certifications.
She and her husband left their traditional careers in their late 40s for Mammoth Lakes.
Facts
| Firm | 395 Financial Planning |
|---|---|
| Based in | Mammoth Lakes, California |
| Fee model | Subscription · One-time planning fee |
| Fees (firm's website) | One-time plans from $395 |
| Fees (Advice-Only Network profile) | Subscription $395 a month · Subscription $3,950 a year · One-time plans $3,950 |
| Works virtually | Yes, and meets in person |
| Accepting new clients | Yes |
| Credentials | CFP · RICP |
| SEC registration | Investment adviser representative in CA, TX · CRD 7724750 |
| Exams passed | Series 65 (2023) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | 395financialplanning.com |
How Mary Ann's firm compares
- Ongoing planning starts at $4,740 a year, below the California median of $6,000 for fee-only firms that publish prices.
- A one-time plan starts at $395, below the California median of $2,500 for fee-only firms that publish prices.
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Questions about Mary Ann
Is Mary Ann Sullivan a fee-only financial advisor?
Yes. Mary Ann Sullivan is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the Advice-Only Network (advice-only practices, no product sales). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Mary Ann's firm.
How does Mary Ann charge for financial advice?
Mary Ann charges a subscription and a one-time planning fee.
How much does Mary Ann charge?
According to 395 Financial Planning's website, checked October 28, 2026: one-time plans from $395.
Does Mary Ann work with clients virtually?
Yes. Mary Ann's Advice-Only Network profile says they meet with clients virtually and in person.
Where is Mary Ann Sullivan based?
Mary Ann Sullivan is based in Mammoth Lakes, California.
What does Mary Ann specialize in?
Mary Ann's specialties include retirement planning, tax planning, small business owners, student loans and pension planning. Mary Ann works with pre-retirees.
What credentials does Mary Ann Sullivan hold?
Mary Ann Sullivan holds the CFP and RICP credentials.
Is Mary Ann Sullivan registered with the SEC?
Yes. Mary Ann Sullivan is registered as an investment adviser representative in CA and TX (CRD 7724750), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How do I contact Mary Ann Sullivan?
Through Mary Ann's website, 395financialplanning.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- Advice-Only Network listing : advice-only practices, no product sales
- 395 Financial Planning website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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