Meet: Sonia Martinez-Trujillo

FEE-ONLY FINANCIAL PLANNING & ASSET MANAGEMENT

For Every Income Level

  • Fee-Only

  • No Minimum Assets

  • English & Spanish

  • Engineer-Turned-Advisor

Because everyone deserves access to clear, honest financial advice, regardless of income or background.

Who I Work Best With

I work with people from many backgrounds, but I’m specially passionate about those who feel overlooked or underserved.  I also understand what it’s like to be in a demanding career, late nights trying to meet deadlines and not having enough time to spend with the people you love. It’s easy for your own financial life to take a back seat.

I work best with people who see themselves in one (or more) of these:

♡ Individuals and families feeling stuck trading their time for money

♡ Spanish speakers searching for an unfiltered conversation*

♡ Detail-oriented engineers

♡ Families seeking multigenerational support for their children and their parents

♡ Catholic families looking to align their money with their faith

* My Spanish speaking clients will often bring their parents to our meetings so they can ask a question, their adult children so they can learn something, and maybe even their cousin who has a question about their business. Financial education often becomes a family affair, and I enjoy every minute of it.

“Financial education often becomes a family affair, and I enjoy every minute of it.”
— Sonia

What I Help With

  • Financial Planning

  • Cash flow & debt management

  • Retirement Planning

  • College Planning

Planning & Strategy

  • Investment Management

  • 401(k), stock options, HSA optimization

  • ESOP planning

Investment & Benefits

  • Tax Planning

  • Insurance Planning

  • Estate Planning

Advanced Planning

  • Career changes

  • Family planning

  • Retirement

Life Transitions

My Philosophy

It's Personal

I am a fee-only fiduciary.

That means:

  • I don’t earn commissions

  • I don’t sell products

  • I am legally and ethically required to act in your best interest

Beyond that, my philosophy is simple:

This is personal.

You are not a template. Your life, your family, and your goals are unique. My goal is to understand what matters most to you and build a plan that supports it.

As a licensed engineer, I also prioritize accuracy, optimization, and a high level of detail when planning.

My Story

About Me

In my free time, I enjoy date nights with my husband Chris, playing boardgames with our three children, and volunteering in my community—whether that’s mentoring at-risk students, serving in my American Heritage Girls troop, or teaching math & personal finances to high schoolers. I also love worshiping and serving as a family at our home parish St. Ignatius of Loyola Catholic church.

I enjoy camping, hiking, and gardening. And while I have two dogs and two cats, I’m very much a dog person.

Frequently Asked Questions

  • I don’t have one! That’s on purpose, and I am proud of that.

    Instead, I focus on working with people who would be a good fit when it comes to personality, the stage of life they’re in, are open to advice, are navigating real-life decisions, etc.

    You don’t need to have everything figured out or have a certain amount saved. We both just need to make sure we’ll enjoy working together, and we’ll build from there =)

  • No, but I do enjoy working with them. We can get deep into the weeds when it comes optimizing your plan and creating different alternatives. I’ve also found that they appreciate my level of detail.

  • Claro que sí! Soy originaria de Mexico, y me encanta trabajar con familias latinas. Invite a sus hijos a nuestras reuniones y juntos vamos a aprender a mejorar nuestras finanzas y cambiar el rumbo de nuestras generaciones futuras.

    Trabajo con mis clientes en inglés o en español. O en los dos.

  • I have a flat planning fee that is paid directly by you. I can also get paid by helping manage assets, or a combination of both. I’m happy to send you my Scope & Fee so you know exactly what to expect. There will be no surprises in our partnership.

  • Yes. Actually, every Advisor and employee at Fiduciary Financial has sworn, signed, and is required to abide by the Fiduciary Oath 100% of the time, for every client we serve.

  • Absolutely. I also offer advisory services for your team and employer plans. Examples include 401K plans, SIMPLE IRAs, and SEP IRAs. Plus all the financial education your team needs.

  • You can reach me anytime via text, email, or DM me on social media. If you can also book an intro meeting to get to know each other.

Start learning before we even meet. I created these free resources as my gift to you.

Free Resources

Cash Flow Template
Financial Checklist for Couples

Let’s Stay Connected

To hear my story and see how I talk about personal finance, investing, building wealth, and everything in between.

FOLLOW ALONG

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Email Sonia
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