Our clients look different. Many are leaders in their field—from respected business owners to top corporate executives or renowned physicians and boss-women go-getters. But they’re more than their job titles. They are focused on their families. They are pillars of their community. And they are world travelers making a difference.
They do have one thing in common: they know exactly what they want. They are smart. Motivated. Incredibly hardworking and prospering financially. They value our objective advice, ask questions when they have financial decisions and want a partner to hold them accountable and help make their finances work best for them.
Whether you’ve been more focused on making money than managing it or you just want to know if you’re making the right decisions, you’ll find the guidance to do both with T. Sapp Financial Partners. The following case studies illustrate financial situations similar to those of our clients. These results are for illustrative purposes only and should not be deemed a representation of future results.
Patricia, an established business owner with partners and over 50 employees came to us hoping to retire in 10-15 years. She had a comfortable salary, was a leader in her community, family-oriented, humble, and extremely charitable.
THE CHALLENGE - Patricia had invested so much into the business that she did not know if she would have enough to retire. Her business was everything to her—and we had to find a way to maximize her trade to support her retirement goals.
OUR SOLUTION - We gave her the time she so generously gives to her others. We carefully listened to her goals, dreams, fears, and frustrations and then developed a personal wealth strategy using business retirement plan and executive benefits strategies maximizing financial tools in her business. We also engaged with a strategic partner to complete an informal business valuation for the company.
Carla, a successful, thirty-something-year-old executive came to us because she needed direction and guidance. She was earning a high income, giving back to her community and traveling the world in her free time.
THE CHALLENGE - Carla had plenty of discretionary income—she simply had no direction on what to do with it. She was feeling uncertain about her financial future because she didn’t know if she was putting enough into the right places or how to maximize the stock options from her employer. She was also frustrated with other financial advisors that didn’t value her opinion or intelligence.
OUR SOLUTION - We considered her key concerns and drafted a financial plan to with clear parameters for the dollars that she works so hard to earn. We provided options for her investable assets, consulted with her on an early retirement strategy and scheduled regular meetings to evaluate her progress with the plan.
David and Sabrina, a middle-aged, extremely motivated couple, looked to us for guidance on all aspects of financial planning. They were both professionals who had built up a nest egg—with scattered accounts in various places.
THE CHALLENGE - Although this pair had accumulated some fairly substantial assets, they needed to know for sure that their money would last. They wanted an income stream for retirement, a legacy for their children, resources to care for an aging parent and help caring for themselves as they got older.
OUR SOLUTION - We provided comprehensive guidance on the key aspects of financial planning maximizing pension and retirement income from their employers combined with a guaranteed income from their investments. We consolidated their investments, using technology to reveal a comprehensive view of their assets, focused on net worth. We also recommended a strategy to repay their mortgage prior to their desired retirement and implemented insurance strategies to protect their assets and meet their goals.
"The goal isn't more money. The goal is living life on your terms."
A physician and his physician wife came to us balancing a budding career, student loan debt, college funding for young children and the feeling that they were financially behind their peers.
THE CHALLENGE - As young physicians transition from residency to private practice, their income grows and new challenges arise. Robert and Karina were no different: they had spent so much time pursuing their dream to practice medicine that they had not adequately focused on their finances.
OUR SOLUTION - This newly affluent client had many competing priorities, so we knew it would be critical for them to see the big picture and truly understand how all the pieces fit together. It was key to establish financial priorities and utilize a phased strategy to accomplish their contending goals, one by one.
The owner of an architectural firm with multiple locations came to us for help securing the future of his business. Years ago, he had started as the sole employee and had since grown the firm to over 200 nationwide employees.
THE CHALLENGE - Bryant wanted to offer a competitive benefits program for executives to retain the key people and maximize his retirement. He also recognized that, at his income level, the max funding of the company 401(k) plan would not be enough to support his retirement goals.
OUR SOLUTION - We knew that the Bryant’s end goal was to sell the business so that he could enjoy a retirement that he deserved. With that in mind, we crafted business financial strategies that included an update to the existing 401(k), profit-sharing plan and employee retirement educational program and an executive benefits plan that included company paid disability, life insurance and a deferred compensation package for the owner and key people in the company. We also collaborated closely with the company CPA, who would position the business for eventual sale.
After long career with Fortune 500 companies, Richard and Taryn embarked on retirement at the age of 63. Their young adult children were now self-sufficient, and they were ready to enjoy their retirement years together.
THE CHALLENGE - This pair knew the value of hard work and saving, which is how they had managed to accrue modest retirement assets. They also had some company retirement benefits available to them— but they wondered if it would all be enough when they considered their goals, longevity, healthcare needs, different sources of income and unexpected future costs.
OUR SOLUTION - We focused on the income and foundational components of this couple’s financial plan to ensure that rising healthcare costs did not chip away at their savings. We completed a detailed analysis of their company benefits and developed a multi-strategy income plan with the potential for annual increases over time. Wary of potential future healthcare needs, we also suggested protection strategies to minimize the depletion of their retirement accounts.
After 17 years of marriage, Diana came to us newly divorced and questioning if her income was enough to manage her family’s finances and reach her ambitious future goals.
THE CHALLENGE - Diana wanted to ensure she could maintain her pre-divorce lifestyle while funding her children’s college education. However, she lacked a clear strategy—Diana just wasn’t sure which investments or insurance solutions would provide security for herself and her children.
OUR SOLUTION - We understood Diana’s fears and concerns about her financial future and empathized with her new journey. To set her up on a path for success, we completed a cash flow analysis and utilized technology to segment her monthly spending and show her exactly where the dollars were going. We recommended a robust savings and investing plan focused on her priorities and rebuilding.
See how our partnership can help your finances grow.
These results are for illustrative purposes only and should not be deemed a representation of future results. Circumstances, solutions, and/or results are based on specific facts tied to unique client situations. Favorable results cannot be guaranteed even in a similar scenario. Each specific set of circumstances will differ depending on client needs and profile. Actual results may be more or may be less than those shown. Past performance does not guarantee future results. This assessment is that of the writer, and not the recommendations or responsibility of Cetera Advisor Networks LLC or its representatives. The solutions presented in this scenario are being offered through T. Sapp Financial Partners.