Sarah Gerber
Project and ongoing planning for newlyweds, young families and early-career professionals building a financial foundation, including couples merging finances.
Momentum Financial Planning LLC · Longmont, Colorado
Sarah Gerber is a fee-only financial advisor at Momentum Financial Planning LLC in Longmont, Colorado, who holds the CFP and AFC credentials. Sarah charges a subscription and a one-time planning fee (ongoing planning from $4,589 a year) and focuses on retirement planning, small business owners and equity compensation.
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Specialties
Who they serve
- Tech employees
- Early-career professionals
- Mid-life transitions
About
Sarah Gerber works with engaged and newlywed couples, young families and early-career individuals as they build a financial foundation. Through the Money & Marriage program, Sarah helps committed couples work through the challenges and opportunities of combining, or not combining, their finances. Project and ongoing planning cover questions like stock compensation, a new paycheck, 401(k) investing, and whether to pay down student loans or fund a Roth IRA.
After earning degrees in Chemical-Biological Engineering and Biology from MIT, Sarah had to take charge of student loans and personal finances. A decade in tech program and product management followed, along with the UC Berkeley Extension Certificate Program in Personal Financial Planning, two years at another fee-only firm and the CFP® designation.
Sarah aims to make professional advice accessible regardless of net worth. After work, Sarah runs, reads, plays with two daughters and enjoys biochemistry.
Facts
| Firm | Momentum Financial Planning LLC |
|---|---|
| Based in | Longmont, Colorado |
| Fee model | Subscription · One-time planning fee |
| Fees (firm's website) | Ongoing planning from $4,589 a year |
| Fees (Advice-Only Network profile) | Subscription from $542 a month · Subscription from $1,626 a quarter · Subscription from $6,499 a year · One-time plans from $1,499 |
| Works virtually | Yes |
| Accepting new clients | Yes |
| Credentials | CFP · AFC |
| SEC registration | Investment adviser representative in CO, TX · CRD 7030174 |
| Exams passed | Series 65 (2018) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | momentumfinancialcoaching.com |
| Profile |
How Sarah's firm compares
- Ongoing planning starts at $4,589 a year, below the Colorado median of $6,000 for fee-only firms that publish prices.
- A one-time plan starts at $1,499, below the Colorado median of $2,500 for fee-only firms that publish prices.
Request an introduction to Sarah
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Questions about Sarah
Is Sarah Gerber a fee-only financial advisor?
Yes. Sarah Gerber is listed in the XY Planning Network directory (XYPN members are fee-only) 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 Sarah's firm.
How does Sarah charge for financial advice?
Sarah charges a subscription and a one-time planning fee.
How much does Sarah charge?
According to Momentum Financial Planning LLC's website, checked October 28, 2026: ongoing planning from $4,589 a year.
Does Sarah work with clients virtually?
Yes. Sarah's Advice-Only Network profile says they meet with clients virtually.
Where is Sarah Gerber based?
Sarah Gerber is based in Longmont, Colorado.
What does Sarah specialize in?
Sarah's specialties include retirement planning, small business owners, equity compensation, estate & legacy planning and student loans. Sarah works with tech employees, early-career professionals and mid-life transitions.
What credentials does Sarah Gerber hold?
Sarah Gerber holds the CFP and AFC credentials.
Is Sarah Gerber registered with the SEC?
Yes. Sarah Gerber is registered as an investment adviser representative in CO and TX (CRD 7030174), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How do I contact Sarah Gerber?
Through Sarah's website, momentumfinancialcoaching.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- Advice-Only Network listing : advice-only practices, no product sales
- Momentum Financial Planning LLC 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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