Sunflower Financial Planning, Llc

What Sunflower Financial Planning, Llc does

Sunflower Financial Planning, LLC is an independently owned, fee-only Registered Investment Advisor (SEC #329654) operating as a solo practice out of Windham, New Hampshire, founded in 2024 by CFP® practitioner Inna Rivilis. The firm serves individuals and families — primarily pre-retirees, retirees, and mid- to late-career households managing competing financial priorities including retirement income, elder care costs, college funding, and estate planning — through a virtual-first delivery model with national reach and in-person availability in Southern New Hampshire and Massachusetts.

The firm delivers its services through a three-tier product architecture: Sunflower Seedling (one-time comprehensive financial plans starting at $3,500), Sunflower Blossom (ongoing monthly retainer planning starting at $350/month), and Sunflower Harvest (AUM-based wealth management on a tiered schedule from 1.25% down to 0.60% above $5M). An hourly consulting option ($350/hour) covers limited-scope engagements. The underlying technology stack comprises RightCapital as the client planning and portal platform, with Betterment and Schwab Advisor Services providing asset custody for the Harvest tier. A trusted CPA partnership supports integrated tax planning, and a broader network of estate attorneys, insurance agents, and mortgage brokers supports plan execution.

The business model is commission-free and aligned with fiduciary obligations, generating revenue through a mix of one-time project fees, recurring retainers, and AUM-based wealth management fees. Distribution is direct-to-consumer, with acquisition driven by an extensive proprietary content marketing engine (blog, virtual events, Fiduciary Voices FinLit Series) plus Calendly-enabled free introductory consultations and referrals through professional associations (FPA, NAPFA, XYPN, Garrett Planning Network, Equita, Fee-Only Network). All service delivery and client-facing technology depend on the founder as the sole practitioner, which is the defining structural feature of the firm.

Name

Sunflower Financial Planning, Llc

Legal name

Sunflower Financial Planning, LLC

Website

https://planwithsunflower.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Sunflower Financial Planning is a fee-only, SEC-registered RIA solo practice in Windham, NH, founded by CFP® Inna Rivilis in 2024, offering three-tier virtual financial planning and wealth management services — Seedling (one-time plans), Blossom (ongoing planning), and Harvest (AUM-based wealth management) — to pre-retirees, retirees, and families nationwide.

Ownership category

akta.pro rank

Product category

Personal Financial Planning and Wealth Advisory

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAEAAAA

Comprehensive Financial Planning

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAAABAE

Private Wealth Planning (Tax, Estate & Succession)

Financial & Insurance/Asset & Wealth Management/Private Banking & HNW/UHNW Wealth Management

SECONDARYFSAAAAAF

Financial Planning & Goals-Based Advice (Mass Affluent)

Financial & Insurance/Asset & Wealth Management/Retail & Mass-Affluent Wealth Management

SECONDARYFSAAAAAJ

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail)

Financial & Insurance/Asset & Wealth Management/Retail & Mass-Affluent Wealth Management

SECONDARYFSAEAAAE

Tax-Aware Investment Planning

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

Keywords

• Fee-only financial planning
• Retirement planning services
• Wealth management advisory
• Fiduciary investment advisory
• Personal financial planning

Headquarters

HQ city

Windham

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Seedling - Stand-Alone Financial Plans: One-time financial planning engagement providing a comprehensive retirement readiness plan. Fee starts at $3,500 based on complexity and scope of work. Typically a 3-4 month engagement.
2. Blossom - Ongoing Financial Planning: Monthly retainer-based ongoing financial planning service. Fee starts at $350/month based on complexity of financial needs and scope of services. Includes ongoing planning support, implementation assistance, annual tax planning, and collaboration with other professionals.
3. Harvest - Wealth Management: Comprehensive wealth management service integrating investment management, tax planning, and ongoing financial planning. Fee is a percentage of assets under management on a tiered schedule. Includes ongoing financial planning, tax planning with optional CPA partnership, and disciplined investment management using bucket strategy.
4. Hourly/Limited Scope Engagements: Hourly consulting at $350/hour for clients with specific questions or limited scope needs. One-time pre-determined fees available for limited scope engagements.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Sunflower Financial Planning provides fee-only financial planning and investment advisory services through three tiers — stand-alone plans (Seedling), ongoing planning (Blossom), and comprehensive wealth management (Harvest) — plus hourly consulting for individuals and families navigating retirement, tax, and wealth-building decisions.

Product overview

Sunflower Financial Planning offers a three-tier service model for fee-only financial planning: Sunflower Seedling (stand-alone financial plans), Sunflower Blossom (ongoing financial planning), and Sunflower Harvest (comprehensive wealth management integrating investment management, tax strategy, and financial planning). All services are offered commission-free on a fee-only basis, with fiduciary commitment to put client interests first.

Differentiator

Problem solved

Functional benefit

Brands

• Sunflower Seedling: Short-term, stand-alone financial plans for those seeking expert guidance without a long-term commitment.
• Sunflower Blossom
• Sunflower Harvest

Products and services

• Sunflower Seedling

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Four partnerships are on record, tiered core and supporting.

• BettermentcoreTechnology or IntegrationBetterment is used as an asset custody platform for client assets. As an industry leader, Betterment provides multiple levels of protection for client assets held on the platform.
• Schwab Advisor ServicescoreTechnology or IntegrationCharles Schwab Advisor Services is used as an asset custody platform for client assets. As an industry leader, Schwab provides multiple levels of protection for client assets held on the platform.
• CPA PartnershipsupportingImplementation/ SI/ Consulting PartnerTrusted CPA partnership for optional tax preparation services. Offered as part of the Harvest wealth management service for clients seeking integrated tax planning and preparation.
• Professional Network (Insurance Agents, Estate Attorneys, Mortgage Brokers)supportingImplementation/ SI/ Consulting PartnerCollaborates with insurance agents, estate planning attorneys, mortgage brokers, and other professionals to ensure client financial plans are executed effectively. Core part of the ongoing planning engagement model.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Others

• XY Planning Network: XY Planning Network is a community and resource network for fee-only financial planners serving Gen X and Gen Y clients, of which Sunflower is a listed member. Comparable as a peer ecosystem that shapes competitive practice models, referral flow, and technology standards in the fee-only RIA space.

Direct peers

• Zoe Financial: Zoe Financial is a curated marketplace connecting consumers with vetted, fee-only financial advisors and offers its own financial planning technology. Comparable to Sunflower as a fee-only, technology-enabled advisory experience targeting mid-to-high-income households.
• Facet Wealth: Facet Wealth is a virtual, fee-only financial planning firm serving individuals and families nationwide with CFP-led advice on a flat-fee subscription model. It directly mirrors Sunflower's fee-only, virtual-first approach to retirement and wealth planning for mass-affluent Americans.
• Harness Wealth: Harness Wealth provides tech-enabled financial planning and tax services for professionals and high earners, often via a network of vetted advisors. Comparable to Sunflower in serving pre-retiree and equity-compensation-heavy professionals with integrated planning and tax strategy.

Emerging players

• Ellevest: Ellevest is a fee-based digital wealth management and financial planning platform originally targeted at women, offering goal-based planning and managed portfolios. Comparable to Sunflower in its goals-based planning approach for mass-affluent clients seeking fiduciary advice.

Broad incumbents

• Wealthfront: Wealthfront is a leading robo-advisor that has expanded into financial planning, tax-loss harvesting, and retirement-income tools. Comparable to Sunflower in the automated financial planning category, but positioned as a low-cost alternative for digitally native clients.
• Betterment Premium: Betterment Premium pairs automated portfolios with unlimited access to CFP professionals for planning advice. Comparable to Sunflower in combining technology-driven planning with CFP access; Betterment also serves as Sunflower's listed custody partner.
• Empower (formerly Personal Capital): Empower is a large digital wealth manager combining free financial tools, fee-based advisory services, and retirement plan administration. Comparable to Sunflower in providing integrated planning, investment management, and retirement income strategies for affluent households, but at vastly greater scale.
• Schwab Intelligent Portfolios Premium: Schwab Intelligent Portfolios Premium combines automated portfolios with unlimited CFP-led planning access. Comparable to Sunflower as a fee-based planning-plus-investment-management offering, leveraging the same Schwab custody infrastructure.
• Vanguard Personal Advisor: Vanguard Personal Advisor offers hybrid robo-plus-human financial planning and managed portfolios at low fees backed by Vanguard's brand. Comparable to Sunflower in delivering ongoing retirement and investment planning, but with materially lower headline pricing and broader brand reach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/sunflower-financial-planning

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sunflower Financial Planning, Llc