Comprehensive Financial Planning
Sapphire Wealth Planning is a fee-only comprehensive financial planning firm that builds a financial plan tailored to fit your personal goals.
We do not believe in a one-size-fits-all approach for financial planning and investment management. We focus on what is happening in your life now, while keeping an eye on your future retirement. Each financial plan is built with multiple facets, including a Balance Sheet, Cash Flow Analysis, Income Tax Projection, Investments, Insurance Review and Estate Plan Review.
A solid financial picture includes a comprehensive look at all aspects of your financial life, like pieces to a puzzle. Get started learning about the different pieces, and how Sapphire Wealth Planning can help with each.
Sapphire Wealth Planning Services
Our investment philosophy is to manage the risk in your portfolio at the level needed to meet your financial goals.
We believe a diversified portfolio with the appropriate amount of risk for each goal will help attain financial independence for you and your family.
We tailor each client’s investment portfolio with an allocation of stocks, bonds, mutual funds and ETFs to help sustain the volatility that has become the norm for most investors. With goals-based investing, knowing when to reduce risk in the 529 Plan for your high school student while seeking growth in your 401K Plan is of utmost importance. For added security, we partner with Scottrade and SEI as the custodians of your assets, utilizing no-load, no transaction fee funds with low expense ratios, whenever possible.
For some, it’s knowing when you have reached the point that you no longer HAVE to work, but that you have the power to CHOOSE to continue adding to your nest egg.
For others, it’s knowing that you are able to meet all of your financial goals, such as purchasing a new home or sending your children to college.
After your custom financial plan has been prepared, you will have a better idea of when you will be able to reach each goal. We at Sapphire Wealth Planning will be there to guide you in your personal journey to financial independence!
Everyone loves surprises when they are good! But, no one wants to be surprised in April to see how much they owe the Internal Revenue Service.
Sapphire Wealth Planning prepares an income tax projection each quarter to help ensure that you are on track throughout the year. No more April surprises!
Looking long term, tax planning will have a significant impact on the amount of wealth you will be able to transfer to future generations. After all, an impactful piece of retirement planning is determining your current and future tax liability. Together we can developing strategies to minimize the amount of taxes you pay in retirement.
Cash Flow Management
Do you sometimes run out of money before you run out of month?
One of the biggest struggles in some households is the uneven flow of cash in and out of the bank account.
Sapphire Wealth Planning prepares a cash flow analysis each quarter. Knowing when more liquid cash is needed for spending, and available for saving, helps to alleviate some stress in your life.
A good education is necessary for success in life! Don’t leave your family’s education to chance.
Whether you are starting a 529 Plan for a newborn, planning for private school education at the elementary or high school level, or in the midst of late-stage College Planning, let Sapphire Wealth Planning assist with developing a plan that will enable your children and grandchildren to attend the school of their choice.
Did you know that the price of college varies from student to student? It’s similar to the way airlines price their fares – everyone will arrive in the same place, but not at the same cost.
College Planning can be confusing with unfamiliar terms and acronyms – EFC, FAFSA, CSS/PROFILE. It sounds like a new language! Sapphire Wealth Planning will help you navigate your way through the jargon and assist in the preparation of the multitude of forms required.
Student Loan Debt Management
Have your family members graduated from college and are now wrestling with student loan debt? Another service offered by Sapphire Wealth Planning is Student Loan Debt Management.
Did you know that some loans can be discharged? Confused about whether you should consolidate the multiple loans acquired during your college years?
We can help sort through the confusion and find an equitable repayment solution that fits your financial plan. Check the Resources tab above for our no-cost educational workshops.
It is important to ensure that you are protected with the necessary insurance to avoid loss from unforeseen risks.
Since we at Sapphire Wealth Planning do not sell insurance products, we are able to objectively review the health, life, property and liability insurance policies that you own. We will help you to determine if any updates to coverage are needed with an annual insurance policy review.
Gain peace of mind by protecting the wealth that you have worked so hard to achieve.
With a properly prepared estate plan, the transfer of your estate to your heirs may be accomplished in a tax efficient manner. With an annual review of your estate plan, we work with your attorney to ensure that your documents and beneficiary designations are up to date. For families that need a new estate plan, we will facilitate the process with your attorney, or we can make the introduction to an attorney that specializes in estate planning.
Sapphire Wealth Planning
Sapphire Wealth Planning is a fee-only comprehensive financial planning and registered investment advisory firm. We help Kansas City individuals and families take control of their financial outlook. Many of our clients were managing their finances on their own and now benefit from professional advice. A minimum level of assets is NOT required to become a client.
WARRANTIES & DISCLAIMERS
There are no warranties implied.
Sapphire Wealth Planning LLC is a registered investment adviser located in Overland Park, KS. Sapphire Wealth Planning LLC may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Sapphire Wealth Planning LLC's web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Sapphire Wealth Planning LLC's web site on the Internet should not be construed by any consumer and/or prospective client as Sapphire Wealth Planning LLC's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Sapphire Wealth Planning LLC with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Sapphire Wealth Planning LLC, please contact the state securities regulators for those states in which Sapphire Wealth Planning LLC maintains a registration filing. A copy of Sapphire Wealth Planning LLC’s current written disclosure statement discussing Sapphire Wealth Planning LLC's business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from Sapphire Wealth Planning LLC upon written request. Sapphire Wealth Planning LLC does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Sapphire Wealth Planning LLC's web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
This website and information are provided for guidance and information purposes only. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This website and information are not intended to provide investment, tax, or legal advice.