Michelle Onaka
Financial Planner
The Hour
- Ask a financial advisor anything about investing in one hour
- No commissions, products, or sales pitch
The Plan
- An 8 week program to achieve a strategic plan for your financial life
- Get an 8+ page financial plan
- $0 due now, pay after your 1st meeting
The Ongoing
- Ongoing support and accountability when you need it
- Quarterly video calls & unlimited emails
- Annual 2 page financial checkup
About Michelle
Bio
I used to think that investing was gambling, so I avoided it. I also opened my first Roth IRA into a CD at a credit union--I didn't know to invest the money (nor how)! I eventually learned better, and now I get to help others learn from my mistakes (no judgement here). I am an educator at heart, with many years of experience supporting first-gen and limited-income college students. My passion for helping my students understand money eventually led me to teach a college course, open a financial education business, and finally leave education to become a financial advisor. I LOVE supporting others towards their money goals, especially helping them understand what they need to know about money to use it to intentionally create a life that they are genuinely excited to live. Money is not an end goal in itself, but it can buy freedom! So let’s start with your values and goals, then figure out the money strategies (and support) that you can use to make that happen (and automate it)!
I Can Help You With
I Enjoy Working With
Personal Stuff
I'm a mom of 2 living in Oregon. I love to travel, hike, bake, camp, and be in water. My kids are 6 and 8, and I'm finally starting to take them traveling (I'm all about intentional spending, not just saving/investing!). I recently took my kids on an epic 3 week Costa Rica trip. Corcovado, sloths, monkeys, pools, cloud forests, hanging bridges, river floats, beaches, Spanish, ziplining... it was amazing. Next will be Belize! [I offer a “Plan Lite” for $1,800, message me if interested]
Education & Designations
Experience
Reviews
Clients say
Reviewers mention
- Retirement Planning
- Investment Planning
- Portfolio Review
- Asset Allocation
- Tax Planning
- Roth Conversions
- Backdoor Roth IRAs
- Tax Loss Harvesting
- Budgeting
- Debt Management
- Emergency Funds
- Financial Independence
- Knowledgeable
- Friendly
- Patient
- Kind
- Warm
- Compassionate
- Thoughtful
- Insightful
- Approachable
- Personable
- Supportive
- Non Judgmental
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Michelle had great suggestions and provided me ...
Michelle had great suggestions and provided me the space to think through and share about my goals. I appreciated her help!
Fantastic session full of actionable advice
Michelle was absolutely fantastic. I brought her a complex issue involving how to finance the construction of a house on a lot I do not actually own, and she was very quickly able to sort through the various assets I could use for financing, talked me through the advantages and disadvantages of each one (including tax implications), and advised me on the best order to use each asset for the financing. It was incredibly helpful, and gave me a lot of peace of mind. I will definitely use her again.
Very glad I met with Michelle
Michelle is insightful, friendly, and easy-to-understand. She was very good about discussing all of my concerns within the alloted time. I am really pleased with Michelle's input and will gladly schedule another session with her in the near future!
Amazing Experience!
Michelle was fantastic to work with! She helped us think through our long term financial vision by asking many critical questions and providing us with lots of actionable recommendations. She was a pleasure to work with and very knowledgeable. There are few people that have had such a big impact on our financial outlook and future! We now use the phrase "Michelle says..." in our house all the time when talking about our finances now.
Michelle is friendly and patient
Michelle is friendly and patient
Michelle is knowledgable and helpful.
Michelle is knowledgable and helpful. She listens to your concerns and questions and addresses all different kinds of questions. Michelle offers clear, step by step directions that are easy to follow. We have met with her twice and will meet with her again. She is calm and thoughtful and easy to work with.
Our 2nd time meeting withMichelle, she is great
Our second time meeting with Michelle, she is super smart (she even caught a mistake our tax guy made!) & answered all our questions. I recommend her to all my coworkers as she is familiar with my state's weird retirement (Oregon PERS). She takes very detailed notes so you can really focus on the meeting. She gives great advice for both short term stuff and long term planning. She is kind of one of those people that works her self out of a job because she made a great, straight forward plan for us that we likely won't need to see her for a couple years now.
Follow-up Session
Another great meeting with Michelle. This was a follow-up to my initial session last year. I was just starting retirement then, so holding this meeting today was an opportunity to review my financial plan with finalized numbers and to ask additional questions related to timing of events, taxes, etc. As before, Michelle listened to my questions and provide sound options and ideas.
Michelle had been so tremendously helpful in gi...
Michelle had been so tremendously helpful in giving me the confidence I need to own and manage my finances. She helps guide me based off of my goals and build a helpful game plan to ensure I have the framework I need to sustainably own and grow my brokerage.
Michelle is very knowledgeable and thorough. My...
Michelle is very knowledgeable and thorough. My time and money felt valued during our meeting.
Frequently Asked Questions
The Hour: You'll fill out a short intake form so we can learn about you and your goals for our meeting! In your Nectarine account, you can also enter your personal financial information (net worth and budget details) as well as upload files to your Secure File Vault. We also recommend that you have any necessary account login information ready.
The Plan and The Ongoing: You'll get access to a financial planning portal where you can share your numbers, link your accounts, and upload the requested documents (we'll share a list).
The Hour: Yes, you will receive an email summary with important takeaways and resources so you'll know what to do next.
The Plan: Yes, you will receive a 8+ page roadmap on your full financial picture with detailed information on the next steps. Your advisor will be available to help you implement any items.