Broker Check


It's not just a strategy. It's personal.

The financial landscape is vast and ever growing. With hundreds of companies and available products designed to help millions of people, status quo is no longer sufficient. No two clients have the same concerns, and no two clients should have the same, cookie-cutter financial strategy.

Let's Talk
Our Firm

Our Firm

As an independent firm, we are committed to offering complete objectivity and unbiased advice.

More About Our Firm
Our Approach

Our Approach

We strive to build long-lasting relationships with our clients, offering education and guidance.

More About Our Approach
Our Services

Our Services

We offer a full range of investment and financial services and have access to a wide array of solutions.

More About Our Services

Discover Smarter Investing

Our data-backed approach helps you prepare for retirement at any age. How do you compare?

$249,285

The recommended savings for a 35-year-old with an annual income of $150,000.

$701,861

The recommended savings for a 45-year-old with an annual income of $150,000.

$1,671,160

The recommended savings for a 55-year-old with an annual income of $150,000.

$3,750,000

The recommended savings for a 65-year-old with an annual income of $150,000.

Source: iShares by BlackRock, 2024

Meet Our Team

Douglas Howes

Douglas Howes

President & Wealth Advisor

dhowes@SapphireWealthLLC.com

Cheryl Howes

Cheryl Howes

Director of Operations

chowes@SapphireWealthLLC.com

Andrew Petralia

Andrew Petralia

Wealth Advisor

apetralia@SapphireWealthLLC.com

Kate Wagner

Kate Wagner

Client Service Associate

kwagner@SapphireWealthLLC.com

Susan MacDonald

Susan MacDonald

Client Service Associate

smacdonald@SapphireWealthLLC.com

Heidi DeMayo

Heidi DeMayo

Administrative Assistant

hdemayo@SapphireWealthLLC.com

Helpful content

Curated articles, videos, and more for a financially savvier you.

Social Security: Five Facts You Need to Know

Social Security: Five Facts You Need to Know

Here are five facts about Social Security that are important to keep in mind.
Learn More
Retirement Income and the Traditional Portfolio

Retirement Income and the Traditional Portfolio

Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.
Learn More
Saving for College 101

Saving for College 101

Here's a crash course on saving for college.
Learn More

Have a Question?

Thank you!
Oops!