Sean Rogers, CFP® Capital Stewardship Partners

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About Sean Rogers, CFP®

Personal Background
Hi, I’m Sean. I grew up in the Northeastern suburbs of Cleveland, Ohio, and stayed close to home during his undergraduate education at John Carroll University. In late 2005 I relocated to Bonita Springs, FL where I resided for thirteen years. In 2018 I relocated to Grand Rapids, MI-based on a number of factors. I am recently divorced, but a proud father of two beautiful boys.

Hobbies and Interests
– General mind & body wellness via the integration of nutrition, movement, stress management, sleep, environment, and general controllable factors that could possibly enhance the quality and length of life
– Ongoing education and growth in all areas of life via books, articles, podcasts, events, etc…
– Regenerative agriculture and local food systems
– Culinary arts and other artisanal trades
– Environmental, Social, and Governance (ESG) minded business management, investment, and product/service consumption
– Everything dogs…
– Ice hockey – I found myself on ice skates at an early age and played organized hockey through high school, college, and more recently in local men’s league teams in Southwest Florida. I hope to pick back up on that here in Michigan.

Professional Background
I earned my Bachelor’s degree from John Carroll University with a major in Business Management and a minor in Psychology. Shortly after relocating to Southwest Florida in 2005 I began to pursue a career in the financial services industry as a mortgage professional. It did not take long for me to recognize that this particular segment of the industry was driven by short term transactional relationships. Seeking an opportunity to pursue relationships with clients that were longer term and wider in scope, in 2007 I began the process of becoming licensed to deliver insurance and investment advice to the public.

By the end of 2008, I obtained his Florida 215 insurance license, passed the Series 7 General Securities Representative Exam (GSRE), and also passed the Series 66 (The Uniform Combined State Law) examination. From 2008 thru September of 2014, I worked with a firm in Fort Myers, Florida providing insurance and investment related advice and services to his clients. During this time I gained considerable knowledge and experience in all of the core domains related to personal finance and made the decision to become a Certified Financial Planner™ professional in an effort to build competence and demonstrate a commitment to my calling.

Perspective

When and how I realized that the industry was broken…
In January of 2014, I became a Certified Financial Planner™ professional. While I was working with my prior firm, my compensation was generated in a number of different ways, but the primary source was from commissions that were earned as a result of selling financial products such as disability insurance, life insurance, long term care insurance, and annuities. This was because like many firms, the profitability of the organization did not depend on the delivery of competent and unbiased advice – it depended on the sale of proprietary products and the commission that those products generated. Over time as a result of my personal experiences and exposure to what others in the industry were doing, I started to question whether or not this was the most appropriate environment to be working with a client in. I was struggling with the idea that there was a direct link between the advice that I gave and how I was compensated. Said differently, I was only compensated when financial products were sold. This did not sit well with me because as a Certified Financial Planner™ professional, I was now held to a different set of standards and was required to take on the role of a fiduciary when working with clients – a higher standard of care than is required by a large percentage of the industry.

Pursuit of a better approach…
After a great deal of soul searching and conducting research on the various business models that existed in the marketplace, I realized that there was only one way that I felt comfortable delivering and being compensated for financial advice. It had to be value-aligned, competent advice, delivered in a conflict-free environment. In October of 2014 I began my pursuit of building an independent financial practice with this core conviction in mind. Since that time I have served many families and have uncovered what I feel are the essential elements of a successful relationship between a family and their trusted advisor. At the end of the day, I feel that the purpose of his existence in this industry is to create a structured environment that will allow individuals and families to:

1. Establish financial goals that are deeply connected to their unique personal values and life mission.
2. Navigate through a process that will allow them to study their current and future expected financial position as it relates to their financial goals and gain extreme clarity on the actions that they can take to close the gap between their current reality and future desired outcome(s).

I have developed a process centered around the integration of what I call the “three pillars” of a sound wealth management framework in an effort to help families effectively manage their financial affairs:

1. Central organization of all information that is relevant to an individual or family’s plan
2. Pro-active monitoring and measurement of the Balance Sheet
3. Pro-active monitoring and measurement of the Cash Flow Statement

By properly analyzing, strategizing, and conducting structured monitoring around these core domains over time, it creates and environment in which clients can feel confident that they are making the best possible decisions based on their unique goals and circumstances.

My vision for the future…
There are many components to my vision for the future. As it relates to this vocation, my vision is to build an organization that specializes in delivering value-aligned, competent, conflict-free financial advice to Gen X and Millennials using time tested financial planning principles via an interactive, visual, and technology-driven platform.

Longer term, in an effort to transfer my intellectual capital and the internal systems that I have built, I hope to provide a turn-key business system to carefully selected professionals across the United States. By leveraging my system(s) they will be able to build a successful practice of their own while loyally serving the public and catalyzing desperately needed change in the notoriously broken and conflict-ridden industry sector currently referred to as “financial services”.

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Recently Published

Mind Dump | 4/25/2020: A Review of a 2018 Client Letter and Ray Dalio on the Economic Impact of COVID-19

April 25, 2020

In this post I review and discuss a letter sent to all of my clients in the fall of 2018 expressing my concern about the financial markets. I also provide some notes and commentary related to a couple of recent Ray Dalio interviews that I found to be insightful.

The post Mind Dump | 4/25/2020: A Review of a 2018 Client Letter and Ray Dalio on the Economic Impact of COVID-19 appeared first on Sean Rogers CFP®.

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Mind Dump | 4/24/2020: My Birthday Wish, Stimulus Update, Retirement Plans, & the SECURE Act

April 24, 2020

Leaders must determine the highest priority task and execute. When overwhelmed, fall back upon this principle: Prioritize and Execute.

- Jocko Willink and Leif Babin

The post Mind Dump | 4/24/2020: My Birthday Wish, Stimulus Update, Retirement Plans, & the SECURE Act appeared first on Sean Rogers CFP®.

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Mind Dump | 4/23/2020

April 23, 2020

You haven't actually made or lost money until you realize your gain (loss)

The post Mind Dump | 4/23/2020 appeared first on Sean Rogers CFP®.

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Ideal Clients

  • Cash Flow/Budgeting
  • Financial Coaching
  • Gen Y/Millennials
  • Young Professionals

Ways Advisor Charges

  • Monthly Fee
  • Quarterly Fee
  • Flat Fee
  • Hourly
  • Assets Under Management

Fee Options

  • Monthly Fee: $45+/mo
  • Quarterly Fee: $450+/qtr
  • Flat Fee: $300+/engagement
  • Hourly Fee: $150+/hr
  • AUM: 1.00%

SEC Records

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