T. Sapp Financial Partners

Are you contributing enough to your 401(k)?

For many high-earning professionals, maximizing retirement savings is key to securing a comfortable future. According to Fidelity, it’s generally recommended that individuals aim to save at least 15% of their pre-tax income annually for retirement. However, many savers fall short of this target, potentially missing the mark on their retirement goals.

Review your contribution rates regularly, and don't miss out on employer matches—they're essentially free money!

Let's strategize to ensure your retirement plan is on track. Use the link below to schedule a complimentary “Get To Know Us Call”:

https://bit.ly/tsapp-get-to-know-us-call

🌟 Are you maximizing your retirement savings potential? 🌟

Fidelity Investments recently announced that 440,000 retirement savers achieved a significant milestone in 2023: $1 million in their 401(k) accounts. 📈

Here are the numbers:

☑️ The average 401(k) balance increased by 14%.

☑️ IRA balances rose by 12% from 2022 to 2023.

☑️ And the number of 401(k) plans with balances of $1 million or more surged by 20% in the final quarter of 2023.

These findings highlight the importance of patience and strategic, long term saving.

When workplace retirement plans complement other investment accounts, they form a powerful combination for long-term financial health.

Have questions about maximizing your retirement and developing your own personal financial plan?

Click the link below to schedule a complimentary 'Get To Know Us' Call:

https://bit.ly/tsapp-get-to-know-us-call

Ever wondered how Olympians earn their spot at the Games? 🥇

Just like in finance, it involves strategic planning, hard work, and a competitive spirit!

With the Paris 2024 Olympics underway, over 10,000 athletes from 200+ countries are competing for gold. Whether in Aquatics, Athletics, or the new break-dancing category, each sport has unique qualification criteria. Some are based on individual performances, while others rely on the collective strength of national teams.

Just as Olympians strive for excellence, our team is dedicated to helping you pursue your financial goals through a holistic financial planning via a specialized process with customized advice.

What financial goals are you willing to go for the gold for?

Share some of your goals in the comments.

🎉 Happy National Parents Day! 🎉

As we celebrate the incredible journey of parenthood, it's a perfect time to reflect on the legacy we want to leave for our children. 🌟

Just as we nurture and support our children over time, it is equally important that we build and preserve our wealth to secure their future.

Estate and legacy planning ensures that your hard-earned wealth is effectively protected and transferred to our loved ones.

Need some guidance on building out your estate plan and wealth transfer strategies, click the link below to schedule a complimentary ‘Get To Know Us’ Call:

Get to Know Us - Tracee J. Sapp, CFP

https://bit.ly/tsappfinancial-get-to-know-us

One of the highlghts of this year was celebrating without our client of 20+ years, LaShawn Pyle, at her retirement ceremony.

During the celebration, LaShawn shared how her work with us over the years is what helped her reach this tremendous goal of early retirement.

This is what makes me show up every day – to be able to see my clients achieve financial freedom and reach their personal goals.

Thank you LaShawn for trusting T. Sapp Financial Partners with your wealth retirement plan.

Do you have your eyes set for your ideal retirement date? Let’s connect to make sure you are on the right track?

**This endorsement was given by LaShawn Pyle and no compensation was provided directly or indirectly. There are no material conflicts of interest on the part of the person giving the testimonial
or endorsement resulting from the investment adviser’s relationship with such person. This endorsement is not a guarantee of future performance or investment success, and the endorsement may not be representative of the experience of other customers. Please visit
BrokerCheck ( https://brokercheck.finra.org
) to see more on the background of this professional.
**

Throughout the year, I have the opportunity to attend several industry events and conferences. As your trusted advisor, it’s important that I stay abreast of the industry changes, product updates and investment best practices that will help you maximize your investment portfolios.

I recently attended the annual AssetMark Women’s Advisor Forum in Boston.

This is one of my favorite conferences to attend every year. It’s one of the few conferences focused on the needs and priorities Female Advisors in the financial planning space.

This is my 2nd year attending the forum and every year they have an action packed agenda with a power list of speakers and high quality break-out sessions.

It’s one of the few conferences where I know I will not only learn new industry best practices, but I will also connect with other like minded advisors while fueling my soul.

When most people think about estate planning, they focus on their wills and what happens to their property and assets after they’re gone. But a comprehensive estate plan is so much more and a critical part of the entire financial planning process. A proper plan protects the wealth that you've worked hard to build. It also can minimize taxes, ensure assets are distributed according to your wishes, protect beneficiaries, avoid probate costs, and facilitate smooth business succession, ultimately preserving your wealth for future generations.

Wondering what to consider when creating your estate plan? Review this checklist to see if your plan is addressing your needs and wishes.https://s3.amazonaws.com/static.contentres.com/media/documents/d2046092-d4ce-4f03-8d8f-c6f78085b763.pdf

To find out what's required for a complete estate plan, check out this article about the "4 Estate Planning Documents You Can't Live Without."https://static.fmgsuite.com/media/documents/436e9dfd-32a1-4ee3-b343-14871f89eb6c.pdf

When crafting your financial plan, we work closely with your estate planning attorney to make sure you are protecting yourself and loved ones. To discuss your financial and estate planning can help you live your best life, call us at (404) 978-2277 to schedule time to talk.

What makes T. Sapp Financial Partners different?

No two clients are the same, so we use a holistic and systematic approach to financial planning, getting to know what's most important to YOU. While crafting your plan, we partner with our team of specialized professionals--tax advisors, investment managers, retirement plan experts, estate planning specialists, and analysts to show you how to make your money work best for you. We then optimize every recommendation and provide seasoned guidance to align with your unique and complex, financial situation. Visit tsappfp.com/partners-solutions to learn more about our services.

Are you maximizing your 401(k) plan at work? An employer-sponsored plan could be one of your most powerful tools when saving for retirement. You may be familiar with the Traditional and Roth 401(k) options but higher income earners may want to take advantage of making after-tax contributions or utilizing the Mega Backdoor Roth Strategy, as well.

Need help putting the pieces of your financial puzzle together? We are skilled at creating personalized plans that align with your financial objectives. Remember, the key to a successful retirement is starting early and staying consistent with your contributions. Don't wait until it's too late to secure your financial future. Let's work together to build a solid foundation for your retirement dreams. Contact us to learn more! tsappfp.com/

Don't try to time the markets!

Markets have been rallying lately so even for the most savvy investors it can be very tempting to try to seek out the top for selling or the bottom for buying. The problem is that investors usually guess wrong, missing out on optimal market days.

What are the best ways for you to manage the markets? Here are a few reminders.

Determine Your Time Horizon
Understanding your time horizon is a critical first step in determining what types of investments may fit your overall strategy.

Be Patient, Not Reactive
It’s natural for markets to fluctuate. During periods of volatility, focus on managing your emotions rather than making changes to your portfolio.

Start Early & Stay the Course
The earlier you start and establish a long-term strategy, the greater your compounding potential. Focus on time in the markets, which may let you ride out the natural market cycles and focus on your future goals.

A few months ago I had the privilege of going on a private tour of the Atlanta Fed with my daughter and 160 other Girl Scouts. The entire program was incredible and my financial brain was completely fascinated by the entire experience. But what was most important was that I was able to take the time to spend with my daughter!

Spending time doing what you want with those that you love is priceless. Achieving financial freedom gives you the flexibility to do just that! At T. Sapp Financial Partners, it's our goal to provide meaningful advice tailored to you so that you can pursue financial freedom to do what you love and get to spend time with the ones you love the most.

Women live an average of 5 years longer than men and those extra years can add up. Do you know how long your retirement savings will last? Proactive financial planning empowers women to maintain independence and pursue their retirement dreams with confidence.

Have you reviewed your plan to ensure you don't outlive your retirement? At T. Sapp Financial Partners, we're your partners for the long haul to help you secure your financial future. Go here to see how we can assist you. tsappfp.com/partners-our-difference