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 5 and 8, and I'm finally starting to take them traveling (I'm all about intentional spending, not just saving/investing!). I just 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! [I have limited availability in spring of 2026, more after July!]
Education & Designations
Experience
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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.