# Michelle Coffey

> Michelle Coffey is a fee-only financial advisor at Sea Change Financial Planning in Point Pleasant, New Jersey. Sea Change Financial Planning reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/michelle-coffey/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Sea Change Financial Planning
- **Based in:** Point Pleasant, New Jersey
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $11.5M across 59 accounts
- **CRD:** 6946204 (https://adviserinfo.sec.gov/individual/summary/6946204)
- **SEC registration:** Investment adviser representative in NJ
- **Exams passed:** Series 66 (2018)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.seachangefinancialplanning.com

## Frequently asked questions

### Is Michelle Coffey a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Michelle holds no broker registration, and Sea Change Financial Planning reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Michelle charge for financial advice?

Michelle's firm, Sea Change Financial Planning, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Michelle Coffey based?

Michelle Coffey is based in Point Pleasant, New Jersey.

### Is Michelle Coffey registered with the SEC?

Yes. Michelle Coffey is registered as an investment adviser representative in NJ (CRD 6946204), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Sea Change Financial Planning manage?

Sea Change Financial Planning reports $11.5M across 59 accounts in assets under management.

### How do I contact Michelle Coffey?

Through Michelle's website, www.seachangefinancialplanning.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6946204): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.