A complete list of active advisors currently associated with Commencement Financial Planning LLC

Warmer can help you find a great advisor at Commencement Financial Planning LLC or one who fits your needs even better.

The firm provides fee-only comprehensive financial planning and wealth management to individuals and families, offering both asset-based portfolio management and hourly, project-based planning engagements. Services include development of financial plans and investment policy statements, assistance implementing portfolios (primarily through mutual funds and ETFs), and ongoing consultative portfolio oversight. The firm emphasizes a collaborative, consultative process and manages client accounts on a non-discretionary basis, meaning it seeks client approval before implementing trades — a practice that is uncommon among independent advisory peers. Its recommendations favor low-cost passive mutual funds and ETFs as core holdings, periodic rebalancing, attention to tax-loss harvesting, and bond allocations that include constrained duration exposure, TIPS, and hedging for foreign-currency bond exposure. Noteworthy features include managing approximately $121.7 million of client assets entirely on a non-discretionary basis (with an additional $7.1 million advised), a structure that can lead to individualized trade timing and execution outcomes. The firm also imposes (but may waive) an account minimum for asset-based engagements, does not employ third-party managers or offer a wrap program, and requires clients to use its recommended custodian when the firm executes transactions on their behalf.

To learn more about the advisors currently working at Commencement Financial Planning LLC, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
Troy Sapp	Lakewood, WA	16

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