Bonnie Sewell

Bonnie Sewell AIF®, CFP®, CDFA

About Bonnie

“Fee only advisor serving individuals and families since 1992. In my spare time I help Loudoun Therapeutic Riding.”

Our clients have busy lives with lots of moving parts. Oftentimes, they have significant resources and substantial planning issues with limited time to address them. They appreciate that our expertise can save them time, money, and energy. We use technology to enhance our relationship with you by simplifying the investment and planning process to meet your needs.While there is no typical client, you can expect a consistently high level of service regardless of which service you need.Examples from actual client files ~» Creating a paycheck from assets at retirement » Stock option strategies where options were from more than one company » Demonstrating the financial impact of property settlement options in a divorce » Selling your business » Guidance on decisions after the loss of a spouse » Guidance on multiple real estate transactions » Real college planning (the finance and the nuance) In our less complex offering (Money on Mondays!), we offer a one-time, two and a half hour financial planning session on a Monday evening for new clients. You will leave the meeting with specific recommendations and answers to your questions. We also include telephone and email assistance on the items covered in our meeting for 30 days post meeting. Our clients have a wide range of life experiences, income and assets, and are geographically spread out from Miami to Washington, DC to Chicago, to northern California’s wine country. They range in age from 25 to 89 and their finances range from just starting out to retired executives with net worth over $20 million. The compelling connection is their desire for professional planning to navigate their financial life issues.Why should you work with us? If you believe your financial capital should serve your human capital, your physical capital, and your social and community capital, you share our belief in total resource planning at American Capital Planning.If you are someone who values a team of highly trained professionals that work well together to coordinate your estate, tax, investment, and insurance solutions inside a comprehensive financial plan, we can help.

PLEASE NOTE:  The 99 cent download mentioned in the video is an occasional special I run.  Otherwise the book is normally priced at $18.16 in paperback and $9.99 as a Kindle download.

Education

BS, Family Economics and Management, Southern Illinois University - Carbondale
MS, Financial Planning , College of Financial Planning

Certifications

Designations

Registrations

Firm CRD #151142

Accredited Investment Fiduciary (AIF) is a designation issued by the Center for Fiduciary Studies

Educational/Exam Requirements:

  • Web-based program, or 2-day classroom-based program
  • Final certification exam

Prerequisites/Experience Requirements:

  • Candidate must meet a point-based threshold based on a combination of education. Relevant industry experience and/or professional development

Public Disciplinary Process? Yes

Continuing Education Requirements: 6 hours per year

Certified Divorce Financial Analyst (CDFA) is a designation issued by the The Institute for Divorce Financial Analysts

Educational/Exam Requirements:

  • Self-study course consisting of four modules
  • Modules 1-3 end with multiple choice exams, module four concludes with a case-study exam

Prerequisites/Experience Requirements:

  • Three years of experience as a financial professional, accountant, or matrimonial lawyer

Public Disciplinary Process? Yes

Continuing Education Requirements: 15 divorce-specific hours every two years

Certified Financial Planner (CFP) is a designation issued by the Certified Financial Planner Board of Standards

Educational/Exam Requirements:

  • Completion of CFP-board registered study program, or alternative degree or certification, demonstrating mastery of over 100 topics surrounding financial planning
  • Pass 10 hour exam testing knowledge in financial planning situations

Prerequisites/Experience Requirements:

  • A bachelor’s degree (or higher) from an accredited college or university, and
  • Three years of full-time personal financial planning experience

Public Disciplinary Process? Yes

Continuing Education Requirements: 30 hours every two years

*Disclaimer: Disclosure: All written content on this site is for information purposes only. Opinions expressed herein are solely those of American Capital Planning, LLC, (“ACP”). Material presented is believed to be from reliable sources and we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual advisor prior to implementation. ACPC is a registered investment advisory firm in the state of Virginia. The authors, publisher, and host are not providing legal, accounting or specific advice concerning your situation. The presence of this web site on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the state of Virginia. (Registered Investment Advisors are legally empowered to provide investment advisory services only to residents of the states in which they are licensed.) Links to other sites endorsing any particular investment should not be construed to be a recommendation of that investment by ACP. For information pertaining to the registration status of ACP, please contact the United States Securities and Exchange Commission on their web site at www.adviserinfo.sec.gov.


Typical Clients

Divorcing couples People near retirement Young professionals

How I Can Help

Personal Finance Retirement Investing

Fee Structure

Fee-only Asset-based Commissions Hourly Other Contingency
Learn more about how advisors are paid in our Guide to Advisor Compensation.

Bonnie In The News

Contact:

Phone: (703) 870-2767 Address: 202 Church Street SE, Suite 509
Leesburg, VA 20175
bonnie@americancapitalplanning.com

Bonnie has answered 48 questions

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Bonnie Sewell
Answer added by Bonnie Sewell | 348 views
5 out of 5 found this helpful

I would answer this question very differently.  I've been doing divorce financial planning for more

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I would answer this question very differently.  I've been doing divorce financial planning for more than 20 years and I would strongly suggest your first stop be at the office of a Certified Divorce Financial Analyst - we are trained specifically in dividing marital estates.  Attorneys rarely have formal personal finance education.  And once you sign off on a settlement, you are stuck with it - no do-overs in divorce. 

Going to an attorney first, except in cases of abuse or a completely non-responsive spouse, will almost always cost you much more of your marital assets.  My book on this is a 99 cent download at Amazon.  Love-Jacked, Divorce Your Spouse, Not Your Dollars.  

Understand what there is to divide and its tax impact.  Get agreement with your soon to be ex on division of assets and income.  Take those agreements to a competent attorney to get executable documents.  Get on with your life with both of you as safe financially as possible and a new foundation to build on.  Live low for up to 5 years - all divorces have a financial impact.  Doing battle is expensive.  Be smart and see a competent financial professional first.

Bonnie Sewell
Answer added by Bonnie Sewell | 378 views
7 out of 8 found this helpful

First, I'm sorry you had to go through the tough transition of divorce and on top of that, Chapter 7. 

more »

First, I'm sorry you had to go through the tough transition of divorce and on top of that, Chapter 7. 

You can and should start re-building your credit right away.  The credit card companies decide who they issue cards to - and yes, they can ask if any of your income comes from alimony, child support, etc.  You also are not required to include alimony in your income - although you may wish to in order to strengthen your application.

You may find it frustrating to get a card after the bankruptcy, since they are likely to charge high rates.  I suggest you try to get a low limit credit card at a credit union, use it for staples (things you buy anyway like gas and food) and nothing else and repay the whole balance each month.

After six months of that you may wish to see if the same credit union will give you a small personal loan - again, simply stash the money and repay the loan for a year.  This is another part of your overall score - loans.

I wish you the best on your new path.

Bonnie Sewell
Answer added by Bonnie Sewell | 243 views
4 out of 4 found this helpful

It depends.  If you see an attorney before you see a Certified Divorce Financial Analyst, you may

more »


It depends.  If you see an attorney before you see a Certified Divorce Financial Analyst, you may have a very different outcome.  If a couple can see their way to fairly negotiating all marital assets and income, then the assets attained throughout a career can be split fairly with considerations given to taxes, survivor benefits on pensions, and the timing of executing stock options for example.

Take a quick read of my book, "Love-Jacked! Divorce Your Spouse, Not Your Dollars" on Amazon and see if that helps you understand both what's at stake in a marital property division and how you might accomplish a split so that both parties are financially safe afterwards.

Bonnie Sewell
Answer added by Bonnie Sewell | 4019 views
3 out of 3 found this helpful

One investment (depending on your risk tolerance - the other planners have covered time horizons) you

more »

One investment (depending on your risk tolerance - the other planners have covered time horizons) you might consider is something like the low cost Vanguard REIT (VGSIX) or its ETF (VNQ).  It's enjoyed nice returns, pays out its cash (as all REITs do), and can be a nice alternative to bonds.  It is NOT risk free.  It is not FDIC insured.  It is an investment in someone else's real estate and it might get you to your savings goal for your own real estate faster IF you can handle the risk in the time horizon you have. 

Bonnie Sewell
Answer added by Bonnie Sewell | 277 views
3 out of 3 found this helpful

Congratulations on being so savvy so young - that's great.  As for bitcoins or any investment you

more »

Congratulations on being so savvy so young - that's great.  As for bitcoins or any investment you participate in, try to have a goal or sell price at the time of purchase.  The thinking is that when you hit the sell price, you exercise the discipline to take the winnings (and the original investment) off the table and find another good place for your money.  Sometimes, people overthink gains and assume if it has reached the intended sell price (gain you wanted) that it will probably go up EVEN MORE from there.  That's greed.  Unless your research tells you that you missed something the first time and your sell price should have been higher.

Remember, any 'info' you have lots of other people have too.  They may not have research but many investors get lazy on research.  Know yourself, exercise discipline in deciding a sell price on purchase and when you get there, pull the trigger and do it again with another investment.

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