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.

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Our Firm

Our Firm

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

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Our Approach

Our Approach

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

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Our Services

Our Services

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

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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.

Consider Keeping Your Life Insurance When You Retire

Consider Keeping Your Life Insurance When You Retire

Reasons to retain your coverage into your retirement years.
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Impact Investing or Philanthropy

Impact Investing or Philanthropy

This fun piece can help your clients explore the benefits of impact investing versus founding a philanthropy.
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The Rule of 72

The Rule of 72

Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.
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