Contact Troy Sapp CPA, CFP®

Commencement Financial Planning LLC
611 North Fife Street
Tacoma, Washington 98406

Email: tas [at] commencefp [dot] com

Phone: 253.820.6432

Fax: 253.883.4042

 

 

Helpful Links:

 

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The Top Investing Pet Peeves of CIO Cliff Asness (Bloomberg tv)

FRONTLINE® The Retirement Gamble (video documentary)

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Links to Other NAPFA Financial Advisors

ALABAMA

 

ARIZONA

Tucson Financial Planner, CFP, Asset Management, Retirement Plan, Invest, Financial Services.  AIO Financial in Tucson, AZ provides financial services including: investment management, tax planning, retirement planning, insurance review and estate planning.

Fee Only CFP Financial Advisor and Retirement Planner in Scottsdale, Arizona Wealth Engineering, LLC is an independent Registered Investment Advisor located in Scottsdale, Arizona. We specialize in managing investment portfolios and helping successful individuals plan for retirement.

CFP Retirement Financial Advisor in Scottsdale and Phoenix, Arizona Continuum Wealth Management provides investment management, retirement planning and financial planning. Craig Ritter, CFP® is a Fee Only Financial Advisor located in Scottsdale and serving the greater Phoenix area.

CALIFORNIA

Woodbridge New Jersey Financial Advisor /CERTIFIED FINANCIAL PLANNER™ (CFP®) - PORTNOFF FINANCIAL LLC is an independent Fee Only Registered Investment Advisor and member of NAPFA with offices in Middlesex County New Jersey and Orange County California offering Comprehensive Financial Planning and Investment Management services to individuals and families who value independent and professional financial adviceOakland, California Fee Only Financial Planning and Investment Management firm.

Curtis Financial Planning, LLC is an independent firm only firm specializing in the finances of women and their families founded by CERTIFIED FINANCIAL PLANNER™, Cathy Curtis www.curtisfinancialplanning.com

Los Angeles Fee Only CFA and CFP®  ACap Asset Management offers comprehensive financial planning for healthcare professionals including tax preparation, portfolio design & management, retirement planning, college planning, bookkeeping, and flat-fee financial plans among many others. Because many of our clients are in the healthcare field, we are intimately familiar with the financial needs of these professionals. www.acapam.com

Reh Wealth Advisors LLC, A Fee Only Advisor serving  the San Gabriel Valley  Investwithsteve.com, founded by Stephen Reh CFA, MBA, CFP(r), helps busines owners, corporate execcutives and familes reach their financial goals.

San Francisco CFP Fee-Only Financial Planner& Investment Advisor, Michelle Fait  Michelle A Fait, founder of Satori Financial LLC, is a fee-only CFP® specializing in the financial, investment and tax planning needs of working professionals and single clients, particularly those beginning again after divorce.

Fee-Only CERTIFIED FINANCIAL PLANNER™, CFP, Independent Financial Advisor in Orange County, CA TABR Capital Management, LLC is a Fee-Only investment advisor, financial planning and wealth management firm located in Orange County, CA. At TABR Capital Management, our purpose is to ensure that you're able to focus on living your life because we're focused on your financial goals.

Springwater Wealth Management, LLC Springwater Wealth Management is an independent, fee-only registered investment advisor offering integrated financial and retirement planning and investment management services in Portland, Oregon and Santa Cruz, California. 

COLORADO

Fee Only CERTIFIED FINANCIAL PLANNER in Denver, Colorado Staib Financial Planning, LLC is an independent financial planning and investment advisory firm providing comprehensive fee only financial planning, retirement planning, and investment management services to clientele in Denver and Highlands Ranch, Colorado.

FLORIDA

Fee Only Investment Advisor, Financial Planner, Fiduciary in New York, Florida, Queens, Nassau, Long Island & Boynton Beach. Ray Mignone & Associates, Inc. works with medical professionals, physicians, retirees facilitating 401k/403b IRA rollovers & portfolios management. Certified Financial Planner since 1989, member of NAPFA & FPA. www.RayMignone.com  www.RinksFinancialAdvice.com

Fee-Only Financial Planner in Jacksonville Life Planning Partners, Inc. is a full service fee-only financial life planning firm providing financial life planning and investment management services located in Jacksonville, Florida.

GEORGIA

Paramount Investment Advisors, Inc.: Fee Only CERTIFIED FINANCIAL PLANNER that combines extensive knowledge and expertise of tax, estate, retirement, insurance, investment and wealth planning in Suwanee, Georgia. Paramount Investment Advisors, Inc is a comprehensive Fee Only financial planning Registered Investment Advisory Firm serving business owners and professionals throughout Metro Atlanta, Georgia.

Minerva Planning Group We are an Atlanta-based fee-only planning firm that has served clients in Atlanta and St. Simons Island Georgia for over 20 years. We offer comprehensive financial planning, wealth management and planning on an hourly basis.

JPH Advisory Group - Atlanta’s Personal CFO for Integrated Wealth Management  Jon Houk, a CERTIFIED FINANCIAL PLANNER™ professional with over 25 years experience, founded JPH Advisory Group to provide integrated wealth management for Atlanta families that need an independent, holistic, and unbiased approach to achieving their most important financial goals.

HAWAII

Fee Only CFP Financial Advisor in Hawaii Pathfinder Financial Services, LLC is a Limited Liability Company and organized in the state of Hawaii.  Pathfinder Financial Services, LLC is a Registered Investment Advisor in the State of Hawaii.  While located in Hawaii, the practice is national in scope.

ILLINOIS

Independent Fee Only Financial Advisor in Chicago. We serve both individual clients with personal financial planning, and small business and non-profit clients with retirement plan advice for their 401k or 403b plans.

Johnston Investment CounselWith Caterpillar in our hometown, we serve clients in Peoria, Illinois, central Illinois, nationally and internationally.   JIC combines an integrated and comprehensive financial planning approach with an employee-owned, independent and fee-only organization that is a member of NAPFA. We hold the following professional designations: Chartered Financial Analyst (CFA), Certified Financial Planner (CFP), Certified Private Wealth Advisor (CPWA), Qualified Plan Financial Consultant (QPFC), and Accredited Investment Fiduciary (AIF) and have 25+ years of experience.

Fee-Only CFP Independent Financial Advisor in Central Illinois Blankenship Financial Planning is a Fee-Only retirement planning, education planning, and income tax prep firm with a certified financial planner professional and enrolled agent in New Berlin, IL.

Mentor Capital Management Inc. Mentor Capital Management Inc. provides comprehensive financial planning and investment advisory services for individuals and small businesses in the Chicago area western suburbs.

LOUISIANA

Personal Financial Advisors, NAPFA, Fiduciary, fee-only planners in Covington, Louisiana Personal Financial Advisors, LLC is a comprehensive, fee-only financial planning firm based in Covington, LA offering retirement planning and wealth management.  NAPFA members Robert Reed, CFP ™, Joan Cox, CFP ™ and Lauren Lindsay, CFP ™ have over six decades of combined financial planning experience.   We also serve clients on the Northshore, New Orleans, Baton Rouge, Tuscaloosa and Birmingham, Alabama areas.

Fee-Only Financial Planner in Lafayette Louisiana serving the entire Gulf Coast region. Broussard Financial Group, LLC specializes in providing objective financial planning to help clients build, manage, grow, and protect their assets through life’s transitions. Jerry Broussard is also a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.

Fee-Only CFP Independent Financial Advisor in New Orleans, Metairie, Baton Rouge Ferro Financial, LLC is a fee-only comprehensive financial planning firm located in Metairie, Louisiana, just outside of New Orleans. Shelley Ferro is a CERTIFIED FINANCIAL PLANNER(TM), providing independent, comprehensive advice, and investment advisory services.

Bienvenue Wealth LLC is a Fee-Only Certified Financial Planner™ - CFP®, financial planning firm with offices in New Orleans and Baton Rouge, LA Providing Clarity for Life! Bienvenue Wealth specializes in providing objective financial advice to help clients build, manage, grow, and protect their assets through life's transitions. Michael Rivas is a NAPFA-Registered Financial Advisor and CERTIFIED FINANCIAL PLANNER™ Professional.

MAINE

Bogue Asset Management, Independent Fee-Only CFP Financial Advisor in Maine Bogue Asset Management LLC offers fee-only financial planning and investment management services to individuals and families across the State of Maine.

Portland Financial Planning Group LLC (Portland, Maine) fee only financial planners Independent fee-only financial planners specializing in retirement planning, estate planning, investments, and insurance.

MASSACHUSETTS

 

MICHIGAN

Fee-only and NAPFA registered CERTIFIED FINANCIAL PLANNER™ Professional (CFP™), CPA and wealth manager in Canton, Michigan and Brentwood, Tennessee YDream Financial Services helps entrepreneurs, professionals and their families reach their dreams and enjoy financial peace of mind through personalized financial plans and client-first wealth management techniques.

Independent Fee-Only NAPFA Registered Certified Financial Planner CFP, CPA and Wealth Manager in Novi, Michigan George Papadopoulos is a Fee-Only Certified Financial Planner CFP and CPA providing completely independent financial planning advice and investment management with a strong emphasis on tax planning and retirement planning.

Vintage Financial Services, LLC A fee only, independent wealth management firm based in Ann Arbor, Michigan. Founded in 1985, Vintage offers financial planning, investment management and income tax preparation services.

Fee-only financial planning & investment management firm in Grand Rapids and Okemos, Michigan IAM Financial is a low cost, fee-only financial planning and investment management firm dedicated to helping clients organize their finances so that they can retire on time with an income meant to last a lifetime.

MINNESOTA

Independent Fee-Only Financial Advisor – Certified Financial Planner – Investment Advisor based in Mendota Heights, Minnesota Clerestory Advisors, Inc. is a Minnesota Registered Investment Advisory firm. We work with individuals and families offering comprehensive financial planning, investment management and retirement planning on a fee-only basis in the Twin Cities.

Financial Advisor in Minnesota Phillip James Financial is an independent fee-only financial advisor offering comprehensive financial planning and investment management in Minnesota. They work with individuals and families to make sure they are on track to achieve all of their financial goals. Phillip Christenson is the financial advisor and co-owner of Phillip James Financial. His website can be found at PhillipChristenson.net.

MISSISSIPPI

Bergland Wealth Management Bergland Wealth Management is an independent Registered Investment Advisor firm with a team of Certified Financial Planner Certificants who offer Fee-Only, fiduciary, comprehensive financial planning. BWM is located in Ridgeland, MS, north of Jackson near Madison and Brandon.

NEVADA

Financial Advisors in Las Vegas. Finacuity is a fiduciary financial advisor in Las Vegas serving the financial planning needs of clients near or in retirement.

Nevada Fee-Only CERTIFIED FINANCIAL PLANNER™ - CFP® Certificant, Investment & Financial Advisor - Las Vegas, Henderson, Nevada

Greg Phelps CFP® CLU AAMS

Red Rock Private Wealth Consulting, LLC
6817 S. Eastern Ave. Ste. 101
Las Vegas, NV 89119
702-987-1607
Red Rock Private Wealth Consulting, LLC is a comprehensive Fee-Only retirement planning Registered Investment Advisor Firm serving affluent clients & small business owners in Las Vegas & Henderson.

NEW HAMPSHIRE

 

NEW JERSEY

Fee Only Financial Planner NJ Zynergy Retirement Planning is Red Bank’s trusted fee only financial planner and retirement expert.

Woodbridge New Jersey Financial Advisor /CERTIFIED FINANCIAL PLANNER™ (CFP®) - PORTNOFF FINANCIAL LLC is an independent Fee Only Registered Investment Advisor and member of NAPFA with offices in Middlesex County New Jersey and Orange County California offering Comprehensive Financial Planning and Investment Management services to individuals and families who value independent and professional financial advice

Fee Only Financial Advisor in Monmouth County, New Jersey Jorie Johnson, CFP® is a fee only financial planner located in Monmouth County, New Jersey and serving clients nationwide.  Clients include corporate executives, small business owners and those contemplating the transition to retirement.

Jersey Shore Financial Advisors, LLC specializes in integrated financial planning and investment supervision for professionals contemplating retirement within the next 10 years. Tom Duffy is a NAPFA-Registered Financial Advisor, earning the CERTIFIED FINANCIAL PLANNER™ designation in 1994.  Tom is the owner of Jersey Shore Financial Advisors, a Fee-Only Financial Planning company serving all of New Jersey with principal offices located in Tinton Falls. ~ “Protecting your family’s wealth from predators, creditors and Senators since 1994.”SM

Kaplan Financial Advisors, LLC - Fee-Only Independent DFA Funds Advisor in New Jersey We are a full service investment advisory firm providing portfolio management and financial planning services located in Berkeley Heights, NJ.

Weingarten Associates, L.L.C is an independent, fee-only Registered Investment Advisor in Lawrenceville, NJ. Weingarten Associates is an independent, fee-only Registered Investment Advisor in Lawrenceville, NJ. We make a difference in the lives of our clients by providing them with exceptional financial planning, investment management, and tax advice.

NEW YORK

Manhattan - New York based financial planning and investment management firm Altfest Personal Wealth Management works with high net worth individuals, including dentists, doctors, retirees, widows and divorced persons to help them develop a plan designed to achieve their personal financial goals. www.altfest.com

Saratoga Springs, NY Fee-Only CERTIFIED FINANCIAL PLANNER™. .  Lee Investment Management is an independent financial planning and wealth management firm dedicated to providing personalized advice to help clients achieve their life goals using values that are important to them.  www.leemgt.com

Fee Only Investment Advisor, Financial Planner, Fiduciary in New York, Florida, Queens, Nassau, Long Island & Boynton Beach. Ray Mignone & Associates, Inc. works with medical professionals, physicians, retirees facilitating 401k/403b IRA rollovers & portfolios management. Certified Financial Planner since 1989, member of NAPFA & FPA. www.RayMignone.com  www.RinksFinancialAdvice.com

Long Island CERTIFIED FINANCIAL PLANNERS™ (CFP®) / Financial Advisors - Landmark Wealth Management, LLC  is a Registered Investment Advisor firm and member of NAPFA, with an office in Melville and Brooklyn, New York.  As your financial advisor, they provide comprehensive financial planning and investment management services to individuals, families, small business owners, and charitable foundations.

Fee Only independent registered investment advisor in Little Neck Queens & Long Island New York. Specializing in working with medical professionals, pre & post retirees facilitating 401k/403b rollovers and managing risk adjusted investment portfolios. Certified Financial Planner since 1989 and Vice President of Ethics for the Long Island, FPA.

NORTH CAROLINA

Clearview Wealth Management provides investment management and custom financial planning for clients across all levels of wealth.  Our CERTIFIED FINANCIAL PLANNER™ professionals specialize in pre and post-retiree clients who desire a trusted financial partner to assist them in meeting their lifelong goals.  We assist with later-life conversations for families and believe in proactively planning for what the future may bring.

Financial Symmetry in Raleigh, North Carolina An independent and employee-owned fee-only financial planning firm in the Research Triangle Park of North Carolina. We enjoy helping people all over North Carolina make better financial decisions dealing with spending, taxes, investments and estate planning.

401k Plan Advisor in Raleigh, NC – Beacon Financial Strategies A wealth management firm that specializes in retirement planning for those nearing retirement, and assists business owners who need a fiduciary to provide ongoing guidance to their employer sponsored 401k retirement plan.

Blue Water Portfolios – an Independent, Fee Only Financial Advisory firm serving Holly Springs, Cary, Apex, Raleigh, and Fuquay Varina, North Carolina The CERTIFIED FINANCIAL PLANNERTM professionals of Blue Water Capital Management, LLC, a fee-only financial advisory firm, specialize in retirement planning, financial goal planning, and low cost investment management.

Fee Only CERTIFIED FINANCIAL PLANNER Financial Advisor Investment Advisor in Charlotte North Carolina NAPFA Registered.

Alpha Financial Advisors is a fee-only financial planning and investment advisory firm based in Charlotte, North Carolina. As comprehensive financial planners, we offer a broad array of planning services that will help you achieve your goals.

OHIO

Canton Ohio Fee Only Financial Advisor JGR Financial Solutions provides fee only financial planning and investment management to young professionals and Ohio STRS members in Canton, North Canton, Akron, Cleveland, and Youngstown Ohio.

Total Wealth Planning is a small boutique wealth management firm in Cincinnati, Ohio that provides objective guidance to clients on their financial concerns, as well as solutions to reach their lifetime goals using a comprehensive wealth planning approach tailored to multi-generational families, business owners and corporate executives.

Fee Only Investment Advisor – Certified Financial Planner – Financial Advisor in Cincinnati, OH Ritter Daniher Financial Advisory, LLC is a fee only, wealth management firm offering comprehensive financial planning, investment management, and retirement planning to affluent clientele in Cincinnati and nationwide.

OKLAHOMA

 

OREGON

Fee-Only CERTIFIED FINANCIAL PLANNER™ Retirement Planning Portland, Oregon Cedar Financial Advisors, LLC is a comprehensive Fee-Only financial planning Registered Investment Advisor Firm serving retirees and professionals in Portland, Oregon.

Springwater Wealth Management, LLC Springwater Wealth Management is an independent, fee-only registered investment advisor offering integrated financial and retirement planning and investment management services in Portland, Oregon and Santa Cruz, California.

PENNSYLVANIA

NAPFA Fee-Only financial advisor specializing in high quality all-bond portfolios  The Scarsdale Investment Group Ltd. is a fee only financial advisor that designs and implements all-bond portfolios for individual investors nationwide to provide secure investment growth. www.allbondportfolios.com 

CFP® - Independent Fee Only Financial Planning and Investment Management firm in Newtown, Pennsylvania. Yardley Wealth Management, LLC is an independent Financial Advisor firm that provides Fee-Only CFP (R) financial planning services and investment management in Newtown, PA.

TENNESSEE

Fee-only and NAPFA registered CERTIFIED FINANCIAL PLANNER™ Professional (CFP™), CPA and wealth manager in Brentwood, Tennessee and Canton, Michigan YDream Financial Services helps entrepreneurs, professionals and their families reach their dreams and enjoy financial peace of mind through personalized financial plans and client-first wealth management techniques.

Fee Only Investment Advisor - Financial Planner - Retirement Planner in Knoxville, TN John Smartt, Jr., Financial Counseling & Administration is a fee-only financial planning and investment management firm offering continuing and one-time investment management advice to clients in East Tennessee and nationwide.  John's expertise with Vanguard--the lowest cost ETF and mutual fund company--has been accumulated over more than 20 years of satisfying clients.

TEXAS

Fee only financial advisor in Austin TX and San Antonio TX Our focus is working with young professionals to help grow wealth over time.  Our clients mainly consist of: sales professionals, tech professionals, doctors, nurses, small business owners.

Trinity Wealth Management – Charitable Financial Planning in Texas Trinity Wealth Management is a fee only Advisor in Texas specializing in charitable estate planning. Brent Dickerson, CFP® helps clients leave a lasting legacy of support for charities, universities, and churches through advanced estate planning techniques designed to maximize donors’ bequests.

Frisco Financial Planning LLC, Dallas Fort Worth (DFW) Fee Only NAPFA CFP Financial Planner & Investment Advisor Frisco Financial Planning LLC (FFP) is a fee-only financial planning and investment management firm with a biblical, Christian worldview. Our Principal, John Gay, CFP is a Certified Financial Planner. FFP is located in Frisco, Texas (TX), 20 miles north of Dallas near Plano, McKinney, and Allen.

Odyssey Wealth Management, a Fee Only NAPFA CFP/CPA Financial Advisor Odyssey Wealth Management, LP is a fee-only, comprehensive wealth management firm providing retirement planning, investment management, financial planning, and tax planning services to clients in the Dallas/Fort Worth Metroplex (near Frisco, McKinney, Grapevine, and Southlake).

UTAH

 

VIRGINIA

Summit Financial Planning in Richmond, VA specializes in asset and wealth management for individuals and corporations, and because we are a fee-only firm, our clients will never pay us commissions of any kind.

WASHINGTON

Sherwood Investment Services is a fee only financial planning firm specializing in retirement planning and investment management.  Serving clients in Redmond, Bellevue, Seattle East-Side, WA.  No commissions.

WISCONSIN

Retirement Planning - Bill McDonald, Fee-Only Financial Planner in Madison, WI Retirement Planning Solutions, LLC is a Wisconsin based Registered Investment Advisor Firm specializing in retirement planning for middle income retirees, featuring DFA (Dimensional Funds).

MULTIPLE STATES

Trinity Wealth Management - Painesville, Mentor, and Cleveland Area Financial Advisor and Planner Brent Dickerson, Certified Financial Planner™ and Enrolled Agent, provides fiduciary wealth management services and advice to a range of clients, including many employed by Sherwin-Williams in Cleveland and throughout the country.

Fee-Only CFP Financial Planning Alexandria VA Lifetime Wealth Planning and Management LLC offers comprehensive financial planning services and specializes in retirement planning, income generation, and working with women in transition. Offices in National Harbor, MD and Alexandria VA serving the Washington DC metro area and nationwide.

NAPFA Fee-Only financial advisor specializing in safe all-bond portfolios The Scarsdale Investment Group Ltd. is a fee only financial advisor that designs and implements all-bond portfolios for individual investors nationwide that provide secure investment growth.

CERTIFIED FINANCIAL PLANNER™ Professional in Vancouver, WA & Portland, OR Pathfinder Financial Advisors is a fee-only financial planning firm serving the Vancouver, WA and Portland, OR area. Owner Steve Wolfe, CFP® specializes in  financial planning and investment advice customized to your needs on an hourly fee basis.

Personal Financial Advisors is a comprehensive, fee-only planning firm with offices in Covington, LA and Tuscaloosa, AL.  NAPFA members Robert Reed, CFP and Lauren Lindsay, CFP have over 4 decades of combined experience and service clients in the Northshore area, New Orleans, and Baton Rouge. 

Independent Fee-Only CERTIFIED FINANCIAL PLANNER™ Financial Advisor and Investment Advisor in Portland, Oregon and Santa Cruz, California Springwater Wealth Management is an independent, fee-only registered investment advisor offering integrated financial and retirement planning and investment management servives in Portland, Oregon and Santa Cruz, California.

Personal Financial Advisors, NAPFA, fee-only planners in Covington, LA and Tuscaloosa, AL Personal Financial Advisors is a comprehensive, fee-only financial planning firm in Covington, LA and Tuscaloosa, AL.  NAPFA members Robert Reed, CFP, Lauren Lindsay, CFP and Joan Cox, CFP  have over six decades of combined financial planning experience.   We also serve clients in the Northshore area, New Orleans, Baton Rouge, and Birmingham areas.

Fee-Only CFP CPA in Orland Park, IL, Scottsdale, AZ and Chandler, AZ.  Quinn Financial Planning LLC is a fiduciary for their clients, specializing in investment management, retirement, tax and estate planning services.  www.quinnfp.com

 

 

DISCLOSURE: At certain places on this Commencement Financial Planning LLC website, live "links" to other website addresses can be accessed. Such external Internet addresses contain information created, published, maintained, or otherwise posted by institutions or organizations independent of Commencement Financial Planning LLC. Commencement Financial Planning LLC does not endorse, approve, certify, or control these external website addresses and does not guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness, or correct sequencing of information located at such addresses. Use of any information obtained from such addresses is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. Reference therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by Commencement Financial Planning LLC.

Contact Troy Sapp CPA, CFP®

Commencement Financial Planning LLC
611 North Fife Street
Tacoma, Washington 98406

Email: tas [at] commencefp [dot] com

Phone: 253.820.6432

Fax: 253.883.4042