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About Me
Meet Elizabeth
Hi, I'm Elizabeth. I spent over a decade in data analytics for a Fortune 100 healthcare company, doing the kind of work where you get very comfortable asking hard questions about what the numbers actually say. Data rarely tells a single cohesive story, and you learn to get comfortable with uncertainty and to make good decisions anyway.
When a layoff in early 2025 gave me an opportunity to reassess, I decided to do a deep dive into one of my long-term hobbies and start a financial planning practice that works the way I always wished one would. I also wanted to do it in a way that let me prioritize my four growing boys. That's them in the photograph. Raising four kids has been its own kind of financial planning challenge.
My story started with a Roth IRA, and a family member I probably shouldn't have trusted.
In 2007, when I was preparing to combine finances with my now-husband, I checked my Roth IRA balance and was horrified. My $5,000 of contributions had dwindled to $500. My family member had invested all of it for me in a single Real Estate Investment Trust (REIT), and real estate was crashing. Hard.
I regrouped. I sought professional help, only to be told to come back once I had actual money to invest. So I read every library book I could find, discovered online forums about passive investing and financial independence, and started investing in well-diversified, low-cost index funds. Our strong emergency fund provided a lot of relief when a new baby needed urgent surgery not covered by insurance: our focus could be on his health and not how to pay for it.
In 2022, I went looking for help and couldn't find what I needed.
Our financial life was getting increasingly complex. I knew I wanted advice, not asset management — I was confident in my strategy, had stayed the course through the 2020 crash, and was very aware of how much 1% AUM costs over a lifetime. But I couldn't find anyone offering what I was looking for. The money sat in cash longer than I would have liked while I figured it out myself.
So I decided to build it myself.
After passing the CFP® exam, I decided to form Gilmore Financial Planning — a practice structured the way I always wished one would be. One that works for you directly, explains the reasoning, and helps you make decisions that fit your actual life rather than a standardized model.
My credentials
I've completed the CFP® education and passed the exam. I'm currently building the experience hours required to use the marks via financial planning residency programs and pro bono work with organizations like 3rd Decade and VITA. In the meantime, I hold myself to the same ethical and professional standards the designation requires.
I am also an Enrolled Agent (EA), a federal tax license issued by the IRS.
One more thing that shapes my approach
If you search "Elizabeth Gilmore" on the internet, most of the hits are for rowing. That's also me.
- Concept2 records from 1:00 to 24-hour tandem
- 2026 silver medalist at the World Rowing Indoor Championships (1km)
- 2025 gold medalist at the World Rowing Indoor Championships (2km)
- Two-time World Rowing Versa Champion
Rowing and financial planning have a lot in common. 95% of the time, it's boring. You get better by doing the small things right, again and again. You start by building a foundation — the unglamorous stuff that makes everything else possible. And it's hard to see progress when you're in the middle of it. But sometimes you look back and marvel at how far you've come.
(The photo was taken from a record-setting race at Head of the Charles.)
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