# Ruchi Sengar

> Ruchi Sengar is a fee-only financial advisor at Better Financial Services in Federal Way, Washington. Ruchi focuses on retirement planning, estate & legacy planning and tax planning. Better Financial Services reports charging a percentage of assets and hourly fees on its Form ADV.

Page: https://find.wellspent.co/advisors/ruchi-sengar/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Better Financial Services
- **Based in:** Federal Way, Washington
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $110.8M across 170 accounts
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning, Equity compensation
- **Works with:** Pre-retirees, Executives, Retirees
- **CRD:** 8132275 (https://adviserinfo.sec.gov/individual/summary/8132275)
- **SEC registration:** Investment adviser representative in WA
- **Exams passed:** Series 65 (2025)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://www.gotobfs.com

## Frequently asked questions

### Is Ruchi Sengar a fee-only financial advisor?

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

### How does Ruchi charge for financial advice?

Ruchi's firm, Better Financial Services, reports charging a percentage of assets and hourly fees on its SEC Form ADV.

### Where is Ruchi Sengar based?

Ruchi Sengar is based in Federal Way, Washington.

### What does Ruchi specialize in?

Ruchi's specialties include retirement planning, estate & legacy planning, tax planning and equity compensation. Ruchi works with pre-retirees, executives and retirees.

### Is Ruchi Sengar registered with the SEC?

Yes. Ruchi Sengar is registered as an investment adviser representative in WA (CRD 8132275), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Better Financial Services manage?

Better Financial Services reports $110.8M across 170 accounts in assets under management.

### How do I contact Ruchi Sengar?

Through Ruchi's website, www.gotobfs.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/8132275): 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
- The firm's website (https://gotobfs.com/): specialties, clients served, and fees, checked October 30, 2026

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