Brent Sutherland

Personal Finance, Investing, Lifestage Based Planning
“I aim to shed light on only those ideas, products and services that are of utmost value and will better put individuals on their path to financial independence.”


Job Title:

Owner, Financial Planner


Brent Sutherland is a CFP® practitioner and has worked in financial services for over 12 years. During this time, he's gained experience in the worlds of corporate accounting, high net worth investment management, and personal financial planning. He has witnessed, firsthand, how the financial services industry has fashioned itself into an overly complex machine in an effort to cause confusion, encourage mistakes, and justify fees; all to further enhance its own bottom line. Brent believes there is a strong correlation between financial noise and financial mistakes which further delay one's personal financial success.

Therefore, Brent's objective is to help individuals turn off the noise and challenge the traditional approach to financial planning and thinking. In his experience as a financial advisor and personal finance enthusiast (+ early retirement advocate + semi-minimalist + real estate investor), he has found that most often the simplest solutions and some outside the box thinking will better help individuals on their way towards sitting firmly in the driver's seat of their own personal economy.

Personally, Brent was born and raised in the Blue Ridge Mountains of Southwestern Virginia, but now call the city of Pittsburgh home. He has a wonderful wife and a mischievous dog; and like to spend his free time traveling to new places, visiting with family and friends, driving himself a bit insane over Virginia Tech sports, reading Game of Thrones spoilers, and (of course) geeking out over the latest personal finance products and ideas.


BS, Economics, Virginia Tech

Fee Structure:

$1999 for a full financial review, $119 for half-hour calls

CRD Number:



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    Debt, Real Estate
How do I make the most of the profit from my house sale?
100% of people found this answer helpful

This is a difficult question to answer without knowing more detail about your financial situation.  But that being said, the general rule of thumb when deciding whether or not to pay off debt is to compare the interest rate of your debt to the return you might expect to otherwise earn with that money.

For example, in a scenario where debt is carrying an interest rate of 5% but other investments are expected to generate a 10% return with reasonable confidence, it makes sense to allocate excess captial to the investments instead of the debt.  By doing so, the long-term impact on one's net worth should be enhanced.  The opposite of this scenario would also hold true (when interest rates on debt are higher than the expected return on investments, it then makes more sense to allocate capital to the debt).

Of course, this rule of thumb doesn't take into actual human behavior.  If you are the type of person who is prone to misbehaving with debt, sometimes it's simply better to rid yourself of debt completely (and stay away).  Be honest with yourself.  Will you be more encouraged and motivated to make healthy monetary moves going forward if 1) that debt is out of the way, or 2) you are able to grow that money in an investment that excites you?

All the best to you!  I hope this helps provide some perspective around your options.

August 2018
    Career / Compensation, Retirement, Annuities, Choosing an Advisor, IRAs
Should I convert my 403(b) account to a traditional IRA?
83% of people found this answer helpful
last month
    Real Estate, Taxes
Should we use a tax preparation professional or an online tax filing program?
80% of people found this answer helpful
April 2018