A Financial Consultant You Can Trust

Troy Sapp CPA, CFP®
Financial Consultant

Troy Sapp CPA, CFP® formed Commencement Financial Planning LLC after providing comprehensive wealth management and tax compliance services to affluent multi-generational families at a private firm in the Pacific Northwest utilizing a consultative approach, not one based on sales. While working at that firm, Troy recognized a need in the larger community for similar objective financial advice.

To best serve clients Troy recognizes the client/advisor relationship is unique in that it must involve the client sharing deeply personal information. To earn each client's trust Troy is committed to forming long term relationships by truly understanding his clients, exceeding their expectations whenever possible, and serving as their fiduciary.

Not everyone works well together. Both client and advisor must feel they are compatible in order for the relationship to be successful. Troy strives to have an open and cooperative relationship with each of his clients. Troy is honest, reliable, and friendly. He seeks the same qualities in the clients he serves.

Troy works from a home office in Tacoma. This is a comfortable environment with a very short commute that also keeps overhead and, in turn, fees low. Troy can meet at your home, work, or elsewhere. If you are looking for an advisor with a fancy downtown office, this is probably not your stop.

For the Best Advice

It is critical clients seek financial planners with proper education, experience, and credentials.

Troy's Background


Fiduciary Counselling, Inc., Financial Consultant


Satisfied rigorous Certified Financial Planner™ requirements.


Granted certificate as having passed the Certified Public Accountant examination and is registered as such by the Washington and Minnesota State Boards of Accountancy.


Received a Bachelor of Science degree in Accounting from the University of Minnesota, Twin Cities.

CFP logo_2

Troy has been granted the right to use the CFP® certification by the Certified Financial Planning Board of Standards, Inc.

Certified Financial Planning Board Standards, Inc.

A Certified Financial Planner™ professional is someone who has demonstrated the commitment and obtained the experience to use the CFP® mark. A CFP® certificant has had to demonstrate academic coverage of more than 100 integrated financial planning topics, passed rigorous examination requirements, satisfied work experience requirements, and agreed to the CFP® Board of Standard’s Code of Ethics. In addition, a CFP® certificant is required to obtain a minimum of 30 hours of continuing education every 2 years.


Troy has been hired by clients of BradyLawFirm PLLC to serve as an expert witness.

BradyLawFirm PLLC

BradyLawFirm PLLC helps investors recover losses they have suffered in securities and investment accounts due to the misconduct or negligence of others—usually a stockbroker, financial planner, or another investment advisor.


Troy is an active member of the National Association of Personal Financial Advisors (NAPFA).

National Association of Personal Financial Advisors

NAPFA is a professional association of Fee-Only financial advisors who provide comprehensive objective financial advice. NAPFA is the only financial planning organization that requires an applicant to submit a comprehensive financial plan for peer review prior to being offered membership in the organization.

Members are required to take 60 hours of Continuing Education every 2 years, twice the industry requirements. Less than 2 percent of all Certified Financial Planner™ certificants are NAPFA Registered Advisors. Whether you are planning for or in retirement; managing assets earned or received through inheritance; or simply want a comprehensive review of your finances to gain the assurance you are on track, a NAPFA professional will provide advice that is not biased by commissions.

For more information on what to look for when seeking the assistance of a financial advisor, check out NAPFA's Pursuit of a Financial Advisor Field Guide.

Contact Troy to schedule a no-cost, no-obligation initial consultation. If there's a good fit, we can talk about working together to take the worry out of your finances and help you achieve true financial well‑being.