Financial Planning for Independent Women
- whether single, divorced, widowed or married -
who are looking for a partner in financial decision-making
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About Sofia Financial
Financial planning for independent women, delivered by a team that listens.
Sofia Financial is a women-focused, virtual-first practice. Whether you're single, partnered, divorced, or widowed, our advisors meet you where you are, on your screen, on your schedule. We get to the heart of the matter so you can make life and financial decisions from a place of alignment with your unique values and purpose.
Founded in 2011 by Stephanie McCullough, Sofia has grown into a team that shares one belief: smart, capable women deserve a financial partner who truly gets them.
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By creating a safe space for open conversation, together we get you pointed in the right direction.
How We Work
When you book an intro call, you'll meet with Janice Guinn, our associate advisor and the warm welcome to the Sofia experience. Janice listens to what's bringing you in, walks you through how we work, and answers every question you have. If we're a fit, you'll work with Janice and Stephanie, with Stephanie involved in your overall planning strategy and Janice as your day-to-day point of contact. Behind them, our operations team handles the documentation and administrative work that keeps everything running.
One team, one approach, all working for you.
Frequently Asked Questions
Who will I meet with for my first conversation?
Your free 20-minute intro call is with Janice Guinn, our associate advisor. Janice has been in financial services for over 20 years and is the team member who walks every new prospective client through what we do, how we do it, and whether we're the right fit for what you're navigating. If you decide to work with Sofia, Janice will be your primary point of contact, with Stephanie involved in shaping your overall financial plan.
Are these meetings in person or virtual?
Sofia Financial is a virtual-first practice. We meet with clients in many states via secure video conferencing, which means no commuting, no parking, and no rearranging your day around our office hours. We also have a Berwyn, PA office for occasional in-person visits if you're local and prefer that, but the vast majority of our clients work with us entirely online.
How should I prepare for my intro call?
You don't need to bring anything to your intro call, no spreadsheets, no statements, no homework. Just bring whatever's on your mind. The first conversation is about understanding your situation and answering your questions, not gathering data. If we move forward together, we'll send a structured intake form to collect the financial details we need, with plenty of time and support to fill it out.
Will I get to meet Stephanie?
Yes. Most clients meet with Stephanie during their initial planning phase, when she helps shape your overall financial plan, particularly around investment philosophy and big-picture planning decisions. Day-to-day, Janice is the person you'll be in touch with most often. Janice and Stephanie are the two advisors you'll meet with directly.
What does it cost?
The first conversation is complimentary, there's no charge for your intro call. If you decide to work with us, our financial planning fees are based on the scope of work you need, and we'll walk you through pricing transparently before any engagement begins.
What if I'm not sure I'm ready?
That's exactly what the intro call is for. You don't need to have your finances figured out, and you don't need to know whether you want a financial advisor. You just need about 20 minutes and a willingness to talk it through. Janice will help you figure out the rest.
How do I get started?
Book your intro call using the button below. You'll choose a time that works for you, fill out a quick scheduling form, and we'll send a confirmation with the video conferencing link.
