Financial Advisor - Sagient

I’m Ariel Bowie, the financial advisor who specializes in the gap between knowing what to do with money and actually doing it. While many advisors focus purely on technical expertise, I work with the behavioral side of finance. My clients range from high earners who can’t seem to build wealth despite their success, to everyday professionals who know they should be saving and investing but struggle with consistent execution. The Real Problem Most People Face You know these clients. They understand the basics - save for retirement, invest regularly, live below their means. They’ve read the articles, attended the seminars, maybe even worked with advisors before. But somehow, they can’t seem to make it stick. This isn’t about financial education. It’s about financial behavior. And that’s exactly what I fix. Who I Help: High-Achieving Self-Saboteurs: Successful professionals earning six figures who somehow live paycheck to paycheck. Business owners whose personal finances don’t match their business acumen. They know better, but consistently get in their own way. Overwhelmed Middle-Income Earners: People making decent money who feel like they’re spinning their wheels financially. They want to build wealth but don’t know where to start, or they’ve started and stopped multiple times. Life Transition Navigators: Individuals going through divorce, career changes, inheritance, or other major life events who need both financial guidance and help managing the emotional complexity of money decisions. Variable Income Professionals: Real estate agents, commissioned salespeople, contractors, and small business owners who struggle with irregular income patterns and need strategies that work with their earnings reality. The Behaviorally Stuck: Anyone who has the income to build wealth but can’t seem to execute consistently due to perfectionism, analysis paralysis, emotional spending, or conflicting money beliefs. My Integrated Approach Most financial planning addresses the technical side: what investments to choose, how much to save, when to rebalance. I address both the technical and behavioral sides simultaneously. Behavioral Assessment: I identify the specific patterns sabotaging financial success - whether it’s perfectionist paralysis preventing action, emotional spending undermining savings, or childhood money beliefs creating adult financial chaos. Psychology-Based Planning: I design financial strategies that work with human nature rather than against it. This means creating systems that account for real-world obstacles, emotional triggers, and motivation fluctuations. Implementation Focus: Rather than creating perfect plans that never get executed, I build accountability structures and automated processes that ensure consistent action even when life gets complicated. Comprehensive Wealth Management: I provide full-service financial planning including retirement planning, investment management, tax efficiency strategies, estate planning, and risk management - all filtered through a behavioral lens. My background in both financial services and real estate provides additional expertise in asset protection, diversification strategies, and wealth building for professionals with variable or complex income streams. The Difference This Makes If your client is naturally disciplined and just needs technical expertise, any good advisor can help them. But if they struggle with financial follow-through despite knowing what they should do, if they’ve tried before and couldn’t stick with it, if their financial life feels chaotic despite their professional competence - that’s when you call me. I don’t just tell people what to do with their money. I help them understand why they haven’t been doing it, and then create systems that make success inevitable rather than dependent on willpower.

✅ Behavioral Breakthrough - I identify and address the psychological patterns that prevent people from building wealth, whether they’re high earners or middle-income professionals. ✅ Execution-Focused Planning - My strategies are designed for real humans with real obstacles, not theoretical perfect savers and investors. ✅ Comprehensive Solutions - I address retirement planning, investment management, tax efficiency, estate planning, and risk management through an integrated behavioral approach. ✅ Fiduciary Commitment - As a fiduciary, I provide transparent, unbiased advice designed to serve my clients’ best interests across all income levels. ✅ Specialized Expertise - My combination of financial services experience, real estate background, and behavioral finance training serves clients who need more than generic advice. ✅ Life Transition Support - I help clients navigate major financial decisions during divorce, career changes, inheritance, business transitions, and other life events. Ideal Referral Partners I work closely with professionals who see clients struggling with the behavioral side of money: Therapists who work with clients experiencing money-related stress, financial anxiety, or self-sabotaging patterns around wealth building. Business Coaches who help clients set financial goals but need a specialist to handle the implementation and ongoing behavioral support. Divorce Attorneys who work with clients needing both financial planning during transitions and help managing the emotional complexity of financial decisions. Real Estate Agents whose clients need mortgage planning, investment property analysis, and wealth building strategies that account for variable income. CPAs who see clients making good money but struggling to build wealth due to spending patterns or lack of consistent saving and investing. When you have clients who know what they should be doing financially but can’t seem to execute consistently - regardless of their income level - that’s exactly who I’m designed to help.

Within the Team Referral Network, I serve as the behavioral finance specialist for any client struggling with financial execution. ✅ Problem-Solver for Behavioral Challenges - When clients have the capability but struggle with financial consistency, I provide the specialized approach that addresses root causes. ✅ Full-Service Financial Planning - I handle comprehensive wealth management for clients at various income levels, freeing other professionals to focus on their specialties. ✅ Educational Resource - I provide workshops and insights on behavioral finance topics, helping network members better identify and support clients with financial execution challenges. ✅ Collaborative Professional - I work seamlessly with other network members to provide integrated solutions for clients facing complex financial and life transitions. ✅ Referral Generator - My clients often need legal, tax, real estate, and business services, creating natural referral opportunities throughout the network. ✅ Specialist Support - I’m the advisor other professionals trust with their most challenging cases - clients who should be succeeding financially but somehow aren’t. My goal is to be the financial advisor who finally helps people close the gap between their financial knowledge and their financial results. Because knowing what to do isn’t the problem. Doing it consistently is. And that’s where I come in.