Advisor and Chief Operating Officer
With fifteen years of experience in the San Francisco wealth management industry, Sabrina’s mission is to help clients feel like they have a solid framework for making informed decisions during times of transition. Focused areas of practice include comprehensive financial planning, Social Security and Medicare planning, along with a personal passion for working with young tech executives, and for helping couples of all age and stage communicate openly about their finances and their shared financial goals.
Sabrina is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional and a Certified Professional Co-Active Coach® (CPCC). She received her BA in business from Principia College, holds a Certificate in Personal Financial Planning from the UC Berkeley Extension’s Personal Financial Planning Program, and a Certificate in Professional Co-Active Coaching from the Coaches Training Institute, as accredited by the International Coaching Federation. She has also taken classes through Golden Gate University towards a Master’s in Taxation.
Sabrina was part of the inaugural InvestmentNews 40 under 40 List (2014). She received the Financial Planning Association’s (FPA) Heart of Financial Planning Award for San Francisco (2014) and National (2015) for representing the FPA’s core values in her profession and community. A long-standing member of the FPA, Sabrina has chaired the FPA Experience Conference (2013) and spearheaded session tracks for the FPA National Conference (2007, 2012). She twice chaired the FPA NorCal Conference (2010, 2011), served on the national Consumer Advisory Group and the Professional Development Advisory Group task forces, and has participated locally on the SF FPA Career Development Committee and SF FPA Speaker’s Committee. As a past president of NexGen, a national organization supporting young and emerging financial planners, she also chaired its national conference (2008).
Sabrina has given financial planning presentations pro bono for Earned Asset Resource Network (EARN). She regularly serves as a mentor for the “SF FPA Practicum Project” and for the Financial Planning Residency Program, as well as volunteers annually for San Francisco Financial Planning Days designed to assist Americans in need of financial guidance through a series of free Financial Planning Day events. Sabrina is a board member of the Junior League of San Francisco and sits on the Standards Committee for The Olympic Club.
If you’d like to give the gift of financial literacy to a recent grad, show them the power of compound interest and gift them funds to open their own Roth IRA. (They'll have to open the account themselves, but it's still a powerful present.) Syndicated to SF Gate and Market Watch, among other publications.
Sabrina chimes in:
[S]it down with your college grad to help open the account. Rather than an electronic funds transfer, consider writing a check — brokers such as Charles Schwab and Vanguard offer mobile deposit for IRA accounts — to make the event more significant, says Sabrina Lowell, a CERTIFIED FINANCIAL PLANNERTM, advisor and chief operating officer at Mosaic Financial Partners in San Francisco.
“Give them a check to deposit so that it’s very clear that the account is going to be opened and funded,” Lowell says.
ThinkAdvisor magazine covered panel discussions at the FPA NorCal’s annual convention, and highlighted the presentation “Maximizing your business value, regardless of size,” which Sabrina participated in. The article quotes her throughout, noting that Mosaic’s “mid” size lends us a certain agility that offers control and flexibility for our firm and our clients alike.
Michelle Baltazar profiles Sabrina and Mosaic for the Australian publication Financial Standard; the piece touches on Mosaic’s methodology, services, and designations, including the certified professional career coach (CPCC) designation, which Sabrina is currently working towards acquiring. Professional coaching designations are currently represented at less than 1% of US wealth advisory firms.
This piece on how couples can begin combining finances by Melissa Lambarena has been crafted into a quiz for readers to gauge their compatability. Sabrina Lowell weighed in, noting that sharing credit reports can be an important step towards ensuring there are no surprises.
“Conflict arises when there’s a discrepancy between expectations and reality,” she says.
Sabrina offers a wealth of pointers for advisors on the largest US generation, Millennials, in this interview with Lynn Brackpool Giles for the PayChex blog. Sabrina notes their strengths and differences from earlier generations; she discusses discrepancies in their mindset; she notes economic factors that have shaped their lifestyle habits - all elements that advisors should address.
“They are very tech-savvy, educated, and are information gatherers,” she observed. “They’ve done their research and focus on optimizing their savings and investments while keeping expenses down.”
MarketWatch recently hosted a symposium in San Francisco, which featured a panel discussion titled, “The X Factor - Retirement Matters for Women.” In this follow-up article, Robert Powell outlines key takeaways from the panel discussion, which featured Sabrina Lowell.
Powell notes that Sabrina's comments accurately depicted a unique challenge for women when it comes to risk:
“Financial planners, I think, are really good at running the numbers, and we can say here’s what you need, here’s what you need to do, this is your financial risk capacity, either the risk that you need to take on or that maybe you don’t have to take on,” said Lowell. “Then there’s the sleep at night, right? So that’s the emotional risk tolerance, and I think that’s the discussion where there may be some differences, and sometimes that means that the man may be more aggressive and the women may be more conservative.”
In this video discussion led by MarketWatch Senior Columnist Robert Powell, Sabrina is featured as a planning expert on the challenges women face in saving for retirement. Sabrina explains how women can leverage awareness of these challenges into getting the most beneficial relationship possible for themselves from a financial adviser.
What does an equitable balance look like, and how do you get there? This article will have you rethinking how you view 50/50.
Sabrina Lowell outlines a range of methods to ease the burden and smooth the days of women who are
breadwinners of their families.
Women have to be especially diligent about retirement planning. Sabrina shares 5 ways you can make sure you’re on the right path.
Navigating your finances can be emotional, complex and confusing. One way to stay on track is to work with an experienced financial advisor. Hiring one may not be cheap, but it’s well worth it — especially when you need to set goals or understand how major life decisions impact your finances.
One of the best ways to exert control over your finances is to know and communicate your worth. Is it time for you to ask for a raise? Are you being compensated for your true worth? Sabrina offers pointers for women who are preparing to enter into this discussion.
Syndicated to Nasdaq.
Sabrina describes how to avoid a bad hire. This may seem like a small detail in the overal world of business operations, but a bad hire can lead to years of inefficiency or poor client service. Best to avoid the avalance of mistakes that a bad hire creates by refining and unifying your hiring process in the first place.
In September, Sabrina received the National Heart of Financial Planning Award for helping further the industry through development of educational content for conferences and mentoring.
Sabrina Lowell, Chief Operating Officer for Mosaic, was interviewed by reporter Ed McCarthy about the search methods that help lead to good hiring decisions.
Sabrina Lowell was featured as the keynote speaker at the Minnesota FPA’s Career day event.