Michelle Coffey
Sea Change Financial Planning · Point Pleasant, New Jersey
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.
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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 | $11.5M across 59 accounts |
| SEC registration | Investment adviser representative in NJ · CRD 6946204 |
| Exams passed | Series 66 (2018) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | www.seachangefinancialplanning.com |
| Profile |
How Michelle's firm compares
- Sea Change Financial Planning's average account is about $195,000, from its Form ADV (assets managed divided by 59 accounts).
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Questions about Michelle
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in New Jersey
Where this information comes from
- SEC adviser records : 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 : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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