# Troy Sapp

> Troy Sapp is a fee-only financial advisor at Commencement Financial Planning, LLC in Lakewood, Washington, who holds the CFP and CPA credentials. Troy charges a percentage of assets, hourly fees and a one-time planning fee (one-time plans from $2,500 and $400 an hour) and focuses on estate & legacy planning and tax planning.

Page: https://find.wellspent.co/advisors/troy-sapp/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Commencement Financial Planning, LLC
- **Based in:** Lakewood, Washington
- **Fee model:** Percentage of assets; Hourly; One-time planning fee
- **Fees (firm's website):** one-time plans from $2,500; $400 an hour; a $1,000,000 asset minimum
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $121.7M across 206 accounts
- **Credentials:** CFP, CPA
- **Specialties:** Estate & legacy planning, Tax planning
- **CRD:** 5803551 (https://adviserinfo.sec.gov/individual/summary/5803551)
- **SEC registration:** Investment adviser representative in WA
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://commencefp.com

## Frequently asked questions

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

Yes. Troy Sapp is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Troy's firm.

### How does Troy charge for financial advice?

Troy charges a percentage of assets, hourly fees and a one-time planning fee.

### How much does Troy charge?

According to Commencement Financial Planning, LLC's website, checked October 28, 2026: one-time plans from $2,500; $400 an hour; a $1,000,000 asset minimum.

### Where is Troy Sapp based?

Troy Sapp is based in Lakewood, Washington.

### What does Troy specialize in?

Troy's specialties include estate & legacy planning and tax planning.

### What credentials does Troy Sapp hold?

Troy Sapp holds the CFP and CPA credentials.

### Is Troy Sapp registered with the SEC?

Yes. Troy Sapp is registered as an investment adviser representative in WA (CRD 5803551), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Commencement Financial Planning, LLC manage?

Commencement Financial Planning, LLC reports $121.7M across 206 accounts in assets under management.

### How do I contact Troy Sapp?

Through Troy's website, commencefp.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/6756): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.commencefp.com/): specialties, clients served, and fees, checked October 28, 2026

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