Commencement Financial Planning, LLC - Lakewood (WA)

5 /5 Rhonda Brau: I have been with Troy for a year now thanks to my son seeking out a fiduciary and fee-only advisor. I live out of state so was reluctant to switch but found Troy to be up to date with my state’s laws. During our initial meeting Troy reviewed my portfolio and with much review and discussion over the following months, we are putting together a portfolio that I am comfortable with. Being in retirement, there is much to consider and know I am getting sound advice. Troy is very knowledgeable, honest, reliable, detail orientated and caring financial planner. I highly recommend Troy!

5 /5 Mary McNally: I worked as a CPA before I retired, and as a CPA working with high net worth individuals, I was fortunate to be exposed to some of the best fiduciaries and financial advisors in the Tacoma area. My husband and I chose to use Troy as our investment and financial advisor because he is highly experienced in his field and also communicates in a clear, concise manner that was understood by both myself and my husband, who had very little previous experience with investments and financial planning concepts. Troy has managed our accounts for over ten years and his quick response to any question is always appreciated. Troy wants you to understand the “why” of any recommendation, and is always willing to discuss various options based on your level of risk tolerance. I highly recommend Troy; he is honest, ethical, intelligent and will do his utmost to provide you with the best financial advice based on your goals and your current financial position.

5 /5 Diana Liebner: Troy Sapp is a highly skilled and experienced independent, fee-only fiduciary. My husband and I sought help for financial planning and estate management. He provided just that. He is NOT tied to any financial products, thus, provides unbiased, non-commission based planning. In addition, he allayed my fears as we move through the great uncertainty in 2025. Thank you Troy!

5 /5 Bill Sacia: My wife and I have been using Troy as our financial advisor for 10 years. He is very knowledgeable and competent but can explain things so we both clearly understand them. He offers complete financial services not only investment guidance but also excellent tax and insurance guidance as well. He will even provide help to our grown children. What I particularly value with him is that he is always honest with you and will tell you the way things are (or how they should be) and not just what you want to hear. A decade ago I was very cautious (and nervous) about getting a new financial advisor (because of a bad experience my mother had had in Oregon) but I have come to trust Troy completely for all of our financial needs, and I have highly recommended him to several friends.

5 /5 Peter: We went to Troy for retirement and investment advice and couldn’t be happier with the service. Troy was obviously super-knowledgeable and explained complex things in a way we could understand. Plus the cost came in 50% below the estimate. Very happy with the service and highly recommend to anyone looking for solid and actionable advice.