Sean Weaver, CFP®, CKA® ONE XVI Wealth

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About Sean Weaver, CFP®, CKA®

Sean started his financial services career in 2004 with the desire to help others achieve their financial goals. In a sales-driven culture, Sean strove to put his clients’ needs above his own, as evidenced by a decision, early in his career, to move to a fee-based model that has now become the industry model. Today, Sean remains passionate about helping guide his clients through what can often seem like a tidal wave of information – knowing that without an experienced advisor, this information can overwhelm investors of all ages, but especially those preparing for or in retirement. Sean walks alongside his clients every step of the way, to ensure that each one feels well-informed, supported, and confident in their financial decisions.

Sean is a CERTIFIED FINANCIAL PLANNER TM, Qualified Kingdom Advisor TM. In addition to his certifications, he has been awarded the Five Star Wealth Manager award seven times. He also serves on the Business Advisory Council for Tarrant County College, a board member for Fellowship of Christian Athletes NE Tarrant County, and a Charter member of the Trophy Club Rotary Club.

Sean is a proud graduate of Texas Christian University, where he earned a degree in Political Science. While at TCU, Sean was a member of the football team and attributes his strong work ethic and team-building mindset to his time as an athlete. Sean went on to earn his MBA with a concentration in Financial Planning from the University of Dallas.

Outside of the office, Sean is an avid hunter and outdoorsmen. He can also often be found on the field, serving his community by coaching his children’s sports teams. Sean is a member of 121 Community Church and lives in Trophy Club, Texas, with his beautiful wife Kerry (TCU ’99) and their two children.

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Recently Published

Indecision Trap

July 14, 2020

“Be decisive. Right or wrong, make a decision. The road of life is paved with flat squirrels who couldn’t make a decision.” - -Unknown

We are in an unprecedented time. With all the uncertainty in the world today, it can be difficult to avoid the indecision trap. There are so many variables and unknowns that make confident decision-making seem impossible. It’s the year 2020, and I think it’s fitting that we often use the 20/20 hindsight analogy to reference making well-informed decisions. And with serious matters in the balance, the consequences of our choices are no small thing.

So how do we stay out of the indecision trap? A significant first step is to have a plan in place. In my world, this comes in the form of a financial plan. A solid financial plan gives us a framework to make financial decisions. If the decisions do not align with the stated goals in your plan, there are two things you need to decide. First, determine if you need to move on from the decision because it does not align with your plan and move you toward your stated goals. Second, you may have to reevaluate your plan and see if your priorities have changed or if you need to adjust your strategy. In my experience, a framework allows us to see when decisions are made based solely on emotion. We are then able to dismiss those choices if they do not align with our goals.

Another way to stay out of the indecision trap is to have a formula for making decisions. If you have a consistent method for coming to a decision, it will help you make better and more logical decisions. A decision-making method could be as simple as a pros and cons list. I have used the Decision Matrix in my life and my practice for several years. It was part of the training for my Certified Kingdom Advisor designation. This decision matrix process has ten steps:

  1. Pray (or meditate, turn off the noise to gain clarity, etc.)

  2. Define the Decision

  3. Clarify Your Objectives

  4. Prioritize Your Objectives

  5. Identify the Alternatives

  6. Evaluate the Alternatives

  7. Make Preliminary Choice

  8. Assess the Risk (What is the worst that could happen?)

  9. Make the Decision

  10. Test the Decision

While it’s not necessary to use this elaborate of a process to decide what you will have for dinner on Thursday night, this 10-step process can help you navigate more significant decisions and questions - How will this current pandemic and economic situation affect my family’s future? Is it time to retire? Is it wise to do it now, or should you wait? Should I send my children back to campus, or do I have them take online courses? And so many more!

A consistent process to make big decisions will also give you the courage to stick with your choices when storms arise. Most hard choices will be tested and make you question if you made the right choice. I have gone back to the decision matrix that my wife and I used to decide to send our son to private school many times. Each time, it reminds me of our diligent process and reaffirms the decision that we made. Reviewing our decision matrix gives me comfort that we made a good decision - not a decision made on a whim but one that had been carefully and conscientiously processed. Please note that I said good decision, not the perfect or right decision. There will be times when the situation changes, and you will need to reexamine the facts and make a course-correction. I think we can all appreciate the need to adjust and adapt due to all we have faced this year.

If I could give you one piece of advice during these times, I would encourage you to be bold. Be the person who makes decisions and moves forward with confidence when many around you are frozen with fear. You may have to change course as things evolve, but it’s much better to make a decision and move toward your goals than be the flat squirrel.

An advisor can be of great value in providing unbiased and unemotional advice. Please reach out so we can work together to create a framework to help you work through your most important decisions. I would also be happy to walk you through the decision matrix process if you are facing a decision that has you stuck in the middle of the proverbial road. Again, I encourage you to be strong and courageous. Do not be afraid; do not be discouraged.

*The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

*There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

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Halftime 2020

July 8, 2020

halftime.jpg

Unless you’re an avid TCU Horned Frog Football fan, like me, you may not know the name Bram Kohlhausen. He was the quarterback that made his first and only college start at the 2016 Alamo Bowl in San Antonio, Texas. To say the first half of that game was a little rocky is an understatement. TCU came out looking like a team without their star quarterback. Their first half was a disaster. There were penalties and a turnover, while their opponents, the Oregon Ducks, sailed smoothly through the first two quarters. The Frogs walked dejectedly into the locker room down 31- 0 at the half. Many TCU and Oregon faithfuls even headed for the River Walk looking for something a little more entertaining.

The first half of 2020 feels an awful lot like the first half of the 2016 Alamo Bowl. January opened with all of the drama that a presidential election year brings. We had an impeachment trial that occupied the news cycles for weeks and weeks. Then things shifted when the COVID-19 virus turned into a global pandemic. The world-wide shutdown that was implemented to slow the pandemic led to one of the most severe market downturns that we’ve ever seen. The shutdown caused record unemployment and unprecedented government intervention in the market. We also had to endure over a month of shelter-in-place orders that kept people in their homes and introduced new terms like “social distancing” and “flattening the curve.”

As if that was not enough bad news for the year, the heartbreaking murder of George Floyd in Minneapolis was a spark that ignited protests and civil unrest around the country. And tensions and conflict have continued to boil. Oh, and let's not forget about the murder hornets.

But back to the game - the Frogs went into halftime feeling beat up, a little defeated, and unsure about the second half. Sound familiar? If you’ve ever been in a football locker room at halftime, you know that it can be a bit chaotic. Players and coaches use the time to regroup. They review the game plan and assess what did and did not go well. They recalibrate for unforeseen circumstances and adjust the strategy for the second half.

The analogy of halftime in sports is an excellent way to view our financial and investment plans as we enter the halfway point of 2020. We need to dust off our financial plans and make sure that our goals and objectives haven’t changed. It would be best to look at some of the basic, and often overlooked, items of your budget and make sure that your emergency savings are in place. Do you have your Will and Power of Attorney documents in order? Have you considered how this global pandemic could affect your family's financial future? With the COVID-19 virus, we need to address the reality that you or a loved one could become ill and need medical attention or worse.

Take time to review your investment plan. With the market rebound off the lows of March, we can examine how our portfolios performed. And now is the time to ask some questions. Do I need to make any adjustments to what I own in my portfolio? Does this portfolio align with my financial plan and goals?

With the backdrop of the social unrest in our country, have you taken the time to more deeply understand what the companies you own through your investment accounts stand for? As an owner in those companies, does it matter to you? It’s often startling to find that the companies we are invested in may not align with our personal values. But that doesn’t have to be the case. Consider this challenge - let’s call it our Halftime Agenda.

Halftime Agenda

1.      Review your Financial & Investment plan

2.      Make sure the basics foundations are in place

3.      Make the necessary adjustments

4.      Implement your plan

The Frogs went into halftime and worked through this simple process. While it was not about the team's financial plan, it was about their game plan. They went back and reviewed the plan that they had at the start of the game. The coaching staff made sure that the basic building blocks were in place. They adjusted their plan based on the information that they had from the first half. Then they went out and implemented the new plan.

The Frogs not only implemented their revised plan but were able to make an extraordinary comeback. They were 31 points down but fought hard to tie the game and go into overtime. With a batted down ball on 4th down in the third overtime, the Frogs won the victory. Bram Kohlhausen became an instant TCU sports legend and pulled off the biggest comeback in bowl history. It was such an incredible story that Disney had interest in turning the story into a movie.

While I have no way to guarantee that the second half of 2020 and beyond will turn out like the second half of the Alamo Bowl, I do know that we need to take this opportunity to assess our plans - to make sure the basic foundations are in place, make the necessary adjustments, and implement those adjustments for the second half of 2020.

I leave you, as always, with this question - What's in your portfolio?

*The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

*There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

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Seeing the Full Picture

November 25, 2019

This fall, I had the opportunity to coach my daughter in a flag football league.  And no, it was not powder puff or all-girls league.  With the encouragement of my neighbor, Taylor, who is also a former college football player, we formed an all-girls team to play against the boys. The girls had never played football before, but we thought it would be fun! To keep it as simple as possible, we bought wrist bands in different colors and drew up plays and would mark the routes we wanted the girls to run in the various color colors.  

The idea was simple - don’t overthink it. Just look at the play sheet, find the color that matches your wristband, and run that route. Taylor and I naively thought that we didn’t need to give the girls a more in-depth explanation of the plays. We mistakenly assumed that they would understand why the player running the go route needed to run as hard and fast as she could to take the defender with her and clear out room for the stop route underneath. 

What ensued was pure chaos. The girls were confused and frustrated. And as play after play went wrong, the coaches were frustrated as well. We tried to make it as simple as possible for them…what went wrong?

Looking back, here’s what I think we missed - we didn’t connect the dots. We didn’t spend any time helping the girls understand how each route affected the others and was a part of the larger play.  We gave them the info we thought they needed but failed to show how their piece was essential to the larger picture.  Without this information, the girls didn’t understand how it would benefit them and help them achieve their goal - winning the game!  

I think this may also be the case when we discuss the topic of Biblically Responsible Investing.  There is a tendency to show investors the companies that they own and discuss how some of those companies have practices that are in opposition to their values.   Or on the flip side, we show investors positive things, such as the good some companies are doing in the world.  However, in taking either of these approaches, we miss the foundational issue. We must begin with the question, “How are the companies that I invest in important to me, and how do I invest in a way that aligns with my values?”

These questions have real-life implications. For example, I had a client that gave money and time to a local crisis pregnancy ministry.  When we conducted an impact analysis on her portfolio, we found that she owned companies that made abortifacients and supported Planned Parenthood.  She obviously had no idea, but her response when she found out was profound - “I feel like I am canceling out my own vote.”  She realized that her investments were not in line with her values.

From a broader societal standpoint, corporations are affected by the way people invest.  The growth of the Environmental, Social, Governance (ESG) focused investment is having an impact on corporate America. There are a growing number of investors around the world looking more closely at company policies. They are interested in how businesses treat their employees, the environmental impact, and many other issues. The fact is that money talks. And this shift has caused many corporations to change the way they do business to better comply with investors’ concerns.

The individual investor can be the advocate for change.  What powerful things would happen if investors could step back and see the whole picture? They would see how their investment matters.  How would corporate America change if investors pushed back against policies that go against their values?

The exciting thing is that this movement can start with an individual investor.  The proverbial “little guy” can be the hero in this story. But success hinges on knowledge. Unfortunately, in many scenarios, people do not take the time to discover what they truly own. But that is where advisors come into the picture. We can help educate the investing public and help them see the full picture. 

With that, I will leave you with this question: What’s in your portfolio?  

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Ideal Clients

  • Baby Boomers
  • Business Owners
  • Christian Faith Based
  • Coronavirus Relief

Ways Advisor Charges

  • Quarterly Fee
  • Flat Fee
  • Assets Under Management

Fee Options

  • Quarterly Fee: $500+/qtr
  • Flat Fee: $2,000+/engagement
  • AUM: 1.00%

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