Protect wealth.
Build legacy.
Outpace the future.
A boutique financial advisory serving high-income and achieving families — where life insurance strategy, college planning, NIL wealth management, and AI consulting intersect under one roof.
Four ways we serve your financial life
Life Insurance Strategies (IUL Focus)
Build wealth. Protect your future. Use your money smarter.
Most people think life insurance is just protection.
That’s only part of the story.
In addition to traditional life insurance coverage, we specialize in Indexed Universal Life (IUL) strategies designed to help high-earning families grow money tax-advantaged, access it when needed, and protect it from market loss.
This isn’t about buying a policy. It’s about building a financial system that works while you sleep.
If your money isn’t working for you first… you’re doing it backwards.
College Planning
Stop overpaying for college. Start planning strategically.
Most families approach college backwards — chasing prestige instead of outcomes.
We flip the script with helping families identify the right schools, maximize merit aid and scholarships, leverage dual enrollment savings, and position assets strategically before financial aid season.
Smart money starts long before move-in day.
Whether you’re years away or already applying, we build a plan that aligns academics, finances, and long-term outcomes.
Because paying full price is not a strategy.
NIL (Name, Image & Likeness) Guidance
Turn talent into opportunity the right way.
Student-athletes have more opportunity than ever before… but also more risk.
We help families understand NIL from the ground up. Branding, compliance, contracts, and financial literacy.
Our approach prepares athletes before they get to college so they can make smart decisions when the opportunities show up.
This isn’t about chasing deals.
Through our NIL training we deliver structured financial literacy for student athletes and families so they can own their future, not just their name.
It’s about building something sustainable.
AI Consulting and Strategy
Learn it. Use it. Stay ahead.
AI is not the future. It’s already here.
As a certified AI consultant, I guide businesses and institutions through AI readiness audits, compliance and policy buildout, staff training, and ongoing advisory retainers.
We help students, families, businesses, and organizations understand how to actually use AI tools in real life.
From academic support to productivity, decision-making, and business applications.
Our approach is simple: use AI to think better, not avoid thinking.
Those who understand it will move faster.
Those who don’t will fall behind.
Credentials that Intersect Disciplines
Sharkey Financial was built on a simple belief: high-achieving families deserve an consultant who sees the whole picture. Stephanie Harkey Gibbs brings a rare combination of financial planning credentials, college admissions expertise, NIL industry knowledge, and AI literacy — all working together in service of one goal: your family's financial future.
Certified Financial Strategist — Wealth & Tax-Advantaged Life Insurance Strategy
Credentialed College Planning Specialist—College Admissions, Merit Aid, Financial Aid, NIL, Scholarships & Dual Enrollment
Certified AI Consultant — Business & Community AI Readiness & Strategy
Integrated advice, not siloed products
Your IUL policy informs your FAFSA strategy. Your NIL income affects your aid eligibility. AI impacts your college major and career choice. We see connections most conultants miss because we operate across multiple disciplines simultaneously.
Built for upper-income families
We work exclusively with families who have real assets at stake and real complexity to navigate. No one-size-fits-all solutions. Every engagement is custom-architected.
Forward-thinking philosophy
We don't just plan for today's rules. We plan for the landscape your family will actually live in. That means AI-fluent strategies, NIL-aware financial models, and college plans built around the future of work.
Ready to build a strategy
that works?
Schedule a complimentary strategy call. We'll assess where you are, where you want to be, and which of our services create the most leverage for your family's financial future.
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