The founders of 3Nickels saw a huge problem no one was addressing.
Over 25 years ago, Sherrie Grabot was working at Apple when she noticed a pattern that didn’t make sense. Employees earning well over six figures were taking hardship withdrawals from their 401k plans. Smart, capable people, stuck in financial cycles they couldn’t seem to break.

She saw the problem wasn’t a lack of information. It was that they were confronted with too many options with no way to see how one choice affected everything else. And beneath that confusion was something harder to talk about: shame. The fear that they’d already fallen too far behind, or that looking closely would only confirm what they were afraid of.

That observation led Sherrie to partner with Nobel Laureate Dr. Harry Markowitz to build GuidedChoice, a pioneering digital advisory firm that has brought personalized financial guidance to millions over the past 25 years. The 3Nickels app is the result of everything they’ve learned.

It was built to give people what they needed most: perspective. A way to see how their choices fit together, where each path leads, and what a realistic next step actually looks like. Without judgment getting in the way.