Our Purpose
Helping New Wealth Families Make it Last Beyond a Lifetime
How long do you want your wealth to last?
For our founder, Shar-Né Warren, the mission for the firm is clear: to dig deeper and unearth the solutions that set you and your family on a path to financial joy and freedom.
Frequently Asked Questions (FAQs)
A fiduciary is a trusted guardian of your financial interests. We are legally and ethically bound to prioritize our clients’ needs above our own. The decisions we make are based on what is best for you, not what would earn me a higher commission.
Not all financial advisors are fiduciaries. They may recommend “suitable” products, although not necessarily the ones that would perform better or cost less.
“Fee-only” advisors earn our money directly and solely from our clients. We do not receive commissions, kickbacks, or referrals based on any products or services we recommend through our plans or advice.
Similarly, “advice-only” means we provide guidance but do not directly manage your investments. Based on your situation, we create your financial plan and provide recommendations and strategic advice, but we never touch or handle your assets. This approach gives clients maximum control, is more affordable, and ensures you still benefit from expert financial guidance.
Our Clients Are
Designing Their Future with Intention
First to build significant wealth in your family? We help navigate the unfamiliar territory and common pitfalls newly wealthy individuals face, protecting your hard-fought success.
Moving Toward Meaningful Horizons
Ready to fulfil your life-long dreams and passions after retirement? Winding down for something cozy or a different purposeful path? As a pre-retiree, now’s the time to ensure your assets last you and then some. After decades of effort, you’ve earned it!
Reimagining What Comes Next in Life
Life's significant changes bring exciting new beginnings. Marriage, a new baby, embracing a career pivot – we ensure these joyful milestones strengthen your financial foundation, too.
Choosing to Break From Old Financial Patterns
Everyone deserves financial confidence. We aim to provide the tools, knowledge, and support to as many people as we can reach, helping you build generational wealth and security.
Meet the Founder
I’m Shar-Né Warren, the “excavator” behind Financial Excavation! You could say I’ve always been passionate about helping build more and achieve more. As a former interior design student, I wanted to help people build beautiful homes – and now I get to help them build beautiful lives. But my financial story began much earlier…
I remember being 11 years old, witnessing our family lose our house just two weeks before Christmas. When I look back, my home was filled with so much love that I couldn’t be more grateful, but some of that joy was overshadowed by financial insecurity and hardship. I still remember the confusion, the stress, the pain, and the worry I felt and saw. That’s the root of why I care: from that young age, I’ve had a calling to be a positive change agent in the lives of others.
Time passed, and I found my way into financial services in 2010. The mission became clearer over time – helping others surpass the barriers and setbacks of a winding financial path, just like the challenges I overcame.
Hello, I'm Shar-Né Warren, CFP®, CRPC®
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Thanksgiving 2023 - Something special happened! My family and I were in a Cheesecake Factory discussing work when I shared this desire I had about spreading the gospel of good financial health. I meant it to be simple, nonchalant – but one of my sisters stops me suddenly:
“Shar-Né, it’s much deeper than that. I don’t know why, but I keep seeing an image of you like an excavationer. You’re helping people dig up the things that hold them back financially and helping them uncover the mysteries and ‘riches’ that lie within them.”
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After smiling and pointing out that that word doesn’t exist, I let her words sink in for a moment, and something sparked. A Bible verse came to mind: “See what I’ve done? I’ve given you a job to do among nations and governments — a red-letter day! Your job is to pull up and tear down, take apart and demolish, And then start over, building and planting.” — Jeremiah 1:10 MSG
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The longing in my heart grew deeper and became louder after that dinner.
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Within a month, I knew my next move. It would require leaving a job and company I loved in order to pursue a purpose: helping people get to the root of their financial trauma and reclaim their freedom.
Throughout my career, I’ve always taken on new roles and challenges with a simple goal in mind: having a greater impact and making wealth-building more equitable. I didn’t know it then, but this scripture would become the foundation (pun intended) of my newest job description and my greatest endeavor.
With over 15 years of experience in financial services, I’ve learned that the journey to financial well-being doesn’t happen overnight. It requires leaving your comfort zone and it’s more challenging alone. I wanted to create a company that helped real people, imperfect people, who dream big and sometimes play small…until now! You know where you want to go, you just may not know how to get there. You’ve tried it on your own, and now things are becoming too complicated to make sense of it all.
You’ve reached a point where you need some heavy lifting, and that’s where we come in. I firmly believe any foundation, no matter how unsound it began, can be rebuilt and become a solid platform for your future. We help you uncover the old, faulty foundation and build a new, better one. It requires us to dig up limiting beliefs, poor financial habits, detrimental money scripts, and unhealthy family patterns. And once we do… once we let go of what’s held us back, we allow the space to plant a new, healthy money mindset and build generational wealth.
I can’t change my past, none of us can, but I’m here to help you build the best financial future you can and uncover the beautiful treasure and life that you’ve always desired. That's our commitment to our clients, meeting you where you are and guiding you where you need to go (with a sprinkle of fun – yes, fun! – in the process).
Shar-Né Warren, CFP®, CRPC®, is the founder and Financial Planner of Financial Excavation. With a heart for people and a mission for impact, she set out to change how people relate to their finances and close the wealth gap. In 2010, she began her career in retirement services as a Benefits Specialist for Fidelity Investments and quickly recognized the inequity in retirement readiness among the individuals she spoke to. Some companies offered great retirement benefits that allowed their employees the opportunity to retire well, while others didn’t. Desiring to change that, she later transitioned into Relationship Management, consulting with HR Departments on offering better retirement plan provisions for their employees. After learning that she designed great 401(k) plans that people were underutilizing, she pivoted yet again and knew she needed to go into education.
Starting as a Retirement Counselor at Empower in 2018, Shar-Né became the Program Architect and Builder of a highly successful Financial Wellness Program at a major corporation. For the next five years, she traveled the country, conducting workshops and interacting with over 35,000 people to promote financial literacy and make wealth-building accessible to the masses. There, she developed a diverse skill set that included counseling, coaching, and advising related to personal finance and retirement issues. Adored by many for her contagious joy, wit, and gracious truthfulness, she is the natural choice for those seeking a partner on the journey towards financial peace, joy, and freedom. Shar-Né has worked with over 1,000 people one-on-one, ranging from high school interns as young as 16 to retirees up to age 83 (and everyone in between), to provide guidance as they navigated tough financial decisions.
Over several years, she honed her knowledge, becoming a Chartered Retirement Planning Counselor® in 2019 and a Certified Financial Planner® professional in 2024. But it wasn’t enough. She knew there was more to do, and in November 2023, Shar-Né felt the pull towards owning a financial advisory firm that would allow her to extend her reach beyond the primary specialization in retirement into holistic financial planning, which integrated every aspect of a person’s financial life. With a passion for financial literacy, she started Financial Excavation in 2025 to help individuals and families dig up their limitations and setbacks and build the right foundation for their future.
Education:
BA, Economics & Management
Université Côte d’Azur
Nice, France
BA, International Business & Economics, French Minor
Cum Laude
University of North Texas
Denton, TX, USA
Credentials
As a CRPC™ designee, I have gained the comprehensive knowledge and tools to define a “road map to retirement”, focused on pre- and post-retirement needs. This includes mastery of the entire retirement planning process from A to Z and the skills to evaluate your financial status and design the optimal retirement plan for your lifestyle.
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As a CERTIFIED FINANCIAL PLANNER® professional, I am a financial advisor who has made a commitment to ethics and providing financial planning services that adhere to CFP Board’s standards of excellence. I have demonstrated competency through a multi-year, multi-step process to obtain the skills and real-life experience needed to serve your best interests, no matter what your financial goals are.
Memberships
