Financial Freedom For All
Our Services
Financial Planning & Goal Strategy
Net worth and balance sheet analysis
Cash flow analysis
Allocating and bucketing cash by goal
Alignment of spending with stated values and goals
Goal definition, prioritization, and sequencing
Emergency fund planning
Total debt payoff strategy and prioritization (student loans, auto loans, credit cards, mortgage)
Investment & Insurance Planning
Investment management risk tolerance assessment
Investment allocation/ construction recommendations
Portfolio construction guidance
Retirement and brokerage account analysis
Life insurance needs analysis
Long-term care insurance analysis
Disability insurance review
Homeowners, auto, and umbrella insurance analysis
About Student Involvement
What do students actually do?
1
Think of them like medical residents. They handle the "heavy lifting"—data gathering, deep-dive research, and scenario modeling. However, no recommendation reaches you until it has been reviewed and approved by a licensed Supervising Senior Advisor.
Is my financial data safe?
2
Absolutely. We do not operate like a classroom; we operate like a firm. Every Resident works within our fully regulated RIA infrastructure. They are bound by the same strict confidentiality and compliance standards as any licensed professional.
Who is ultimately responsible for my advice?
3
The firm is. Sparrows Financial retains full fiduciary liability. We are not a student club; we are a Registered Investment Advisor. That means the "buck stops" with our Senior Leadership. You get the energy and diligence of a Resident, backed by the legal and professional accountability of an established firm.