About Us

Certified Financial Planner®

The CFP® certification is the recognized standard of excellence for personal financial planning. Only those individuals who have met the stringent Education, Examination, Experience, and Ethics requirements have the right to use the CFP® certification marks.
To Learn More About What It Takes To Be A CFP® Professional Click Here.

Fiduciary

We are a NAPFA Registered Fiduciary Advisor. Founded in 1983, the National Association of Personal Financial Advisors is the nation's leading organization of Fee-Only comprehensive financial planners. NAPFA registered advisors sign a Fiduciary Oath that puts client's interests above all others. NAPFA registered advisors must meet the most rigorous continuing education requirements in the industry.

Fee Only

We are Fee-Only. This indicates we are compensated solely by ways of fees paid by our clients. We do not sell any products or receive any commissions or compensation from third parties. This eliminates any conflict of interest. Our recommendations are completely impartial and unbiased.To Learn More About Our Fee Structure Click Here.

Company Profile

Kelly Trageser MBA, CFP®

Sea Clear Financial Planning, LLC is an independent Fee-Only financial planning and investment management firm located in Sea Girt, NJ. The firm specializes in creating comprehensive financial plans for individual professionals, couples and families throughout Monmouth and Ocean County; Sea Girt, Spring Lake, Manasquan, Point Pleasant, Wall, Brick, and the surrounding areas. Our comprehensive wealth management approach involves discovering client's goals and then incorporating them into six areas of financial planning; cash flow analysis, insurance planning, education planning, investment management, retirement planning and estate planning.

Kelly Trageser is the Principal of Sea Clear Financial Planning, LLC. She is a CERTIFIED FINANCIAL PLANNER™ professional and has an MBA in Finance. She has over 20 years of experience in the financial services industry. Mrs. Trageser is a NAPFA-Registered Fee-Only Financial Advisor.

Kelly holds a degree in Economics from Bucknell University in Lewisburg, Pennsylvania. In 1998, she earned a Masters of Business Administration Degree, with a major in Finance from the Lubin School of Business at Pace University in New York. After obtaining a Certificate in Financial Planning from Fairleigh Dickinson University in Madison NJ, and passing the rigorous CFP Board Exam, Kelly received authorization to use the CFP® marks of distinction, and founded Sea Clear Financial Planning, LLC in 2011. 

Kelly Trageser is passionate about helping individuals achieve their life long financial goals. In her spare time, Kelly enjoys spending time with her family and friends at the Jersey Shore, playing tennis, skiing and traveling to interesting destinations.

 

Our Value

Our mission is to provide comprehensive financial planning and investment management services that will inspire, organize, educate, and motivate clients to reach their life long goals and aspirations. As a trusted financial advisor, we will see to it that the lives of our clients are more secure today, than the day they walked into our office. To Learn More About Our Value Click Here.

 

Our Commitment

Sea Clear Financial Planning is committed to developing lifelong relationships built on trust, expertise and the highest level of client service. To fulfill this mission, as a fiduciary, we are committed to giving financial advice that is always in our client's best interest.  We strive to improve the financial well-being of our clients through our fee-only comprehensive financial planning and investment management services.  We educate, organize, and partner with our clients so they make wise informed financial decisions.

 

The Sea Clear Advantage

Selecting the right professional to share your most intimate financial information starts with making good decisions. At Sea Clear Financial Planning, our Company Profile is a CFP® Professional, a NAPFA Member, and a Fiduciary.  Our Firm is Fee Only.  We do Comprehensive Financial Planning & Investment Management.

As part of our integrative wealth management approach we have aligned ourselves with estate planning attorneys, certified public accountants, insurance specialists, and Morningstar Investment Services. By integrating “the best of the best” we are able to provide our clients with a distinguished level of excellence.

Our Services

Comprehensive Financial Planning

We do comprehensive financial planning. This is a holistic approach that focuses on increasing your financial well-being. It starts with the premise that a client’s most essential goals in life should be discovered and incorporated into a comprehensive financial plan that includes; an insurance review, a portfolio review, strategic income tax planning, education funding, retirement planning, estate planning, a cash flow analysis and debt management. To Learn More About Our Comprehensive Financial Planning Services, Click Here.

Investment Management

At Sea Clear Financial Planning, we believe our clients are best served with an integrated wealth management approach.  This relationship includes ongoing comprehensive financial planning and professional investment management of assets. To Learn More About our Investment Management Services, Click Here.

One Financial Concern

Our hourly financial planning services are for clients who need advice on a limited scope of work in one area of financial planning. Comprehensive Financial Plans and Retirement Planning cannot be completed through an hourly engagement. The topic covered and time allotted during the hourly engagement is determined solely by the client.

Our Process

 

Complimentary Consultation

Our highly personal approach begins with a one hour complimentary consultation in our office.  At this meeting we will discuss your financial goals and concerns.  We will explain the comprehensive financial planning and investment management services we provide, we will review a sample comprehensive financial plan, discuss our Fee-Only compensation structure, and explain the next steps to work together.

 

Comprehensive Financial Plan

Once you have decided to become a client, you will enter into our Comprehensive Financial Planning Agreement and gather your documents.  A written financial plan along with an implementation checklist will be completed and presented to you at our comprehensive financial planning meeting. Since implementation is crucial to achieving your financial goals, Sea Clear Financial Planning will assist you with the implementation of your personalized comprehensive financial plan at no additional charge for a period of up to one year.

 

Investment Management

At Sea Clear Financial Planning, we believe our clients are best served with an integrated wealth management approach.  This relationship includes ongoing comprehensive financial planning and professional investment management of assets.

 

 

Learn more

 

Our Fees

Sea Clear Financial Planning is a Fee-Only Financial Planning Firm. "Fee-Only" refers to our compensation structure. To avoid conflicts of interest, "Fee-Only" planners are compensated solely with fees paid by their clients. Sea Clear Financial Planning does not sell any products or receive any commissions or other compensation from third parties. Our recommendations are completely impartial and unbiased.

 

Comprehensive Financial Planning Fee

Our Comprehensive Financial Plan fee is priced according to the degree of complexity associated with the each client’s situation and ranges from $2,500 to $5,500. The Comprehensive Financial Plan Agreement has a term of one year. The firm assists clients with the implementation of their plan at no additional charge.

Investment Management Fee

Our Investment Management Fee, based on a percentage of the total assets under management, includes Professional Investment Management of Assets and ongoing Comprehensive Financial Planning.

One Financial Concern Fee

Our hourly financial planning services are for clients who need advice on a limited scope of work in one area of financial planning.  Comprehensive Financial Plans and Retirement Planning cannot be completed through an hourly engagement.  The topic covered and time allotted during the hourly engagement is determined solely by the client. The hourly rate for One Financial Concern is $250.00 per hour.

Fee Only Financial Planning & Investment Management

Get Started

Latest Articles

View all blogs