Troy Sapp
CPA, CFP®
Commencement Financial Planning, LLC
Financial Consultant
Troy Sapp
CPA, CFP®
Commencement Financial Planning, LLC
Financial Consultant
As an independent fee-only fiduciary, my obligation rests first and foremost with my clients, advising them how I myself might act in a similar situation. - Troy Sapp, CPA, CFP®
Comprehensive financial planning and wealth management. Serving individuals and their families in and around Tacoma, Washington.

Troy Sapp CPA, CFP® is a Tacoma, WA fee-only financial advisor. Commencement Financial Planning LLC is an independent Fee-Only Registered Investment Advisor offering comprehensive and objective financial planning and wealth management services to individuals and their families. As a fee-only and independent financial advisor, Troy Sapp places the best interests of his clients first. Period.
Troy Sapp CPA, CFP® is a Tacoma, WA fee-only financial planner. Commencement Financial Planning, LLC provides comprehensive financial planning and advice to help clients get organized and take action toward their financial goals. As a fee-only and independent financial advisor, Troy Sapp places the best interests of his clients first. Period.
Troy Sapp is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
Independent, Fee-Only Fiduciary | Financial Planning & Wealth Management
Serving individuals and their families in and around Tacoma, Washington.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
- Estate Planning
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Troy Sapp is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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Troy Sapp is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Troy Sapp is a Certified Public Accountant (Learn More)
A Certified Public Accountant (CPA) is a professional accountant who has met the education and experience requirements set by their state's Board of Accountancy and has passed the Uniform CPA Exam. CPAs are licensed to provide a wide range of accounting services, including financial statement preparation, tax planning and preparation, auditing, consulting, and other financial advisory services.
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Troy Sapp is a Member of the Tacoma Estate Planning Council
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Troy Sapp is Quoted on FinancialAdvisorIQ: "Tips to Help Clients Make More of their Giving"
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Troy Sapp is Quoted on Yahoo Finance: "New GET season opens, good deal for some, not all"
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Troy Sapp is Quoted in ThinkAdvisor: "What Advisors Are Telling Panicky Clients About Market Volatility: Roundup"
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Troy Sapp is Quoted in the New York Times: "Long-Term Stock Plans Help to Avoid Impulsive Moves"
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Troy Sapp is Quoted in Morningstar: "Tenants in Common Real Estate Deals: Do They Make Sense?"
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Troy Sapp is Quoted in Financial Advisor Magazine: "Confusion Could Be Ahead On Making Charitable Contributions From IRAs"
Contact Troy Sapp
Office Locations:
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6521 Flanegan Rd W
Lakewood, WA 98499