# Terry Sapp

> Terry Sapp is a fee-only financial advisor at Live Oak Private Wealth in Wilmington, North Carolina, who holds the CFA credential. Terry focuses on retirement planning and estate & legacy planning. Live Oak Private Wealth reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/terry-sapp/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Live Oak Private Wealth
- **Based in:** Wilmington, North Carolina
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $1.32B across 1,157 accounts
- **Credentials:** CFA
- **Specialties:** Retirement planning, Estate & legacy planning
- **CRD:** 4561196 (https://adviserinfo.sec.gov/individual/summary/4561196)
- **SEC registration:** Investment adviser representative in NC
- **Exams passed:** Series 65 (2001)
- **Firm size:** 12 employees
- **Disclosures:** None reported
- **Website:** https://www.liveoakprivatewealth.com

## Frequently asked questions

### Is Terry Sapp a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Terry holds no broker registration, and Live Oak Private Wealth reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Terry charge for financial advice?

Terry's firm, Live Oak Private Wealth, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Terry Sapp based?

Terry Sapp is based in Wilmington, North Carolina.

### What does Terry specialize in?

Terry's specialties include retirement planning and estate & legacy planning.

### What credentials does Terry Sapp hold?

Terry Sapp holds the CFA credential.

### Is Terry Sapp registered with the SEC?

Yes. Terry Sapp is registered as an investment adviser representative in NC (CRD 4561196), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Live Oak Private Wealth manage?

Live Oak Private Wealth reports $1.32B across 1,157 accounts in assets under management.

### How do I contact Terry Sapp?

Through Terry's website, www.liveoakprivatewealth.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4561196): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://liveoakprivatewealth.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.