What Our Clients Say About Us

"A wealth management team you can Trust...We would highly recommend you come in and talk with the Sapphire team"

We have been with Doug, Cheryl and the Sapphire Wealth Management team for the better part of sixteen years. In fact, I believe I may have set the record for the amount of time Doug spent in retirement planning sessions with me. He never complained and worked diligently with us to establish multiple risk management strategies that we could employ allowing us to adjust the plan, in real time, to account for different market conditions or personal situations. I am happy to say that I was able to retire six years ago, a little early (60 years old), put two children through engineering college, and built a house to retire to in NH. Through it all Doug has become one of my very close friends. In fact, I look forward to our annual reviews. I’m not sure that I have been any easier on Doug in retirement, because I usually come to our reviews with many questions about current market conditions, the health our Income for Life model, and potential adjustments. If you are serious about planning for your financial future and retirement, or looking for a wealth management team you can Trust, then we would highly recommend you come in and talk with the Sapphire team.

William and Jeanne D
Retired

"We have put a kid through college, purchased a new home and relocated to a different state, all while making solid strides towards our next phase of life, retirement"

We have been working with Doug and his Team at Sapphire Wealth Management for over ten years. During that time, we have put a kid through college, purchased a new home and relocated to a different state, all while making solid strides towards our next phase of life, retirement. Doug and his team have been right there with us the entire time helping us manage, plan, and fund all these important occurrences.  The Team at Sapphire are always very attentive to our needs and have provided us with a solid plan to help us achieve all our financial goals. We especially like the annual check-ups that allow us to revisit our previous year’s strategy and make any changes that may be needed as we move forward. During that review we cover how our accounts are doing in conjunction with our financial goals and track our progress along our ‘Life Map.’  In working with Sapphire, we have come to know them as very trusted advisors in helping us achieve our financial goals but more importantly, Doug, Cheryl and the rest of the team have become our friends. We have recommended Doug and his team to our other friends that ask, ‘who are you working with’ and will continue to do so. We are incredibly happy to be collaborating with the Team at Sapphire and take comfort in knowing that our future goals will become reality because of our relationship with SWM.   

Patrick & Penelope Williams
Retired

"We thank you for continuing to support our journey into retirement"

We appreciate your expertise, and the personal attention you give to our financial security. We would like to recognize your knowledgeable, dedicated, friendly, efficient, and highly motivated professional staff. Each and every person within your organization understands investment success, relationship-based service, and human nature. As we continue to recommend Sapphire Wealth Management LLC services to friends and family, we thank you for continuing to support our journey into retirement.

Greg B. & Joann G.
Retired

"Simply outstanding"

Sapphire Wealth Management, Doug Howes, and his team are simply outstanding. They go above and beyond to make sure their clients receive the most comprehensive advice possible regarding their financial portfolio. They know their clients as individuals. They care who you are and are thus able to customize a financial plan that fits your needs. Sometimes in life you get lucky, one of my lucky days was when I met Doug for the first time.

Diana H.
Retired

"Extremely happy with the services that the entire staff at Sapphire Wealth Management offer us"

We met Doug Howes years ago when we were beginning our plans to fully retire. He has become a friend as well as a financial advisor. We appreciate his willingness to dissect and discuss our financial options with us. Our portfolio has continued to grow under his advisement, and we are extremely happy with the services that the entire staff at Sapphire Wealth Management offer us. If you want to feel confident in your choice of financial advisors, we recommend Doug, Cheryl, and the entire staff.

Harriette & Doug PH
Retired

"We walked into the right office, all those years ago"

My husband and I walked into Doug’s office over 10 years ago with two toddlers in tow, we had a basic plan but no idea how to implement it. We knew we wanted to grow our wealth, leave a legacy for our children, and most importantly create a set it and forget it investment strategy. 

As soon as we met Doug, we quickly realized that he LOVES his job and loves to share his knowledge with his clients.

Doug’s awareness of world events, how it will affect the market and how it relates to his client’s individual portfolios is extremely reassuring. 
Year after year Doug continues to ask all the right questions and make the necessary adjustments to our investments, leaving us feeling confident that OUR financial goals are being met.

As my husband and I grow closer to retirement we have no doubt that we walked into the right office, all those years ago.  

Mike and Monica A.
Sales & IT Engineer

"Extremely satisfied with our experience"

We have been clients of Doug’s since 2010 and have been extremely satisfied with our experience.  Doug took the time to fully understand our financial situation when we first met and our long-term financial goals.  He has done an outstanding job of matching our investments with our goals and acceptable investment risk.  He has been proactive contacting us when there are significant market changes.  Doug and his team are always available when we have questions.  We especially appreciate the comprehensive yearly review with Doug.  He clearly articulates the past year’s market, how it has impacted our investments and suggested changes for the current year.  His thorough knowledge of the market is impressive.  We have done regular yearly reviews with Doug and every year we learn something new.  We have recently retired and are experiencing the lifestyle we had hoped for in large part to Doug’s financial guidance.  We highly recommend Doug and his team. 

Larry & Eileen A.
Retired

"They immediately felt like close partners in our work together"

My husband and I have been with Doug and his team for two years and I couldn't be happier with the experience. They immediately felt like close partners in our work together. What sets them apart is their ability to explain complex financial concepts in a way that's easy to understand, making me feel confident and empowered in my decision-making process. The team is incredibly knowledgeable and responsive with great rapport. I highly recommend working with them!

Nick B. & Molly O.
Property Manager & Project Manager

"Always helpful and considerate of my needs"

The team at Sapphire Wealth are always helpful and considerate of my needs, especially after my husband, Jack, passed away.

Jan B.
Retired

"We always find everyone at SWM kind, helpful and knowledgeable"

We always find everyone at SWM kind, helpful and knowledgeable in review and discussion of our investment goals including where we are and where we intend to be.  Having a plan in place gives us Peace of Mind!  Thank you for your continued efforts and support! 

Rick & Laura B.
Insurance Adjustor & Library Tech

"We wanted a partnership not just another wealth management company"

Our long-term financial plans were critical to us when we joined Sapphire Wealth Management 10+years ago.  We wanted to be with a firm that would understand our needs, listen to our perspective and to be able to lay out options for us to consider.  We wanted a partnership not just another wealth management company.  We wanted to work with someone whom we could directly call and speak to and not be just another number.  Doug and his team have lived up to that goal and we are very happy to be a part of the Sapphire Wealth Management Family.  The advice we've been given has been sound, allowing us to understand the risk factors associated with our decisions while still meeting our long-term goals (even as they change).  We recommend them as a wealth management company to perspective clients.

Iman A. & Farid B.
Chief Human Resource Officer & Senior Director, Process Development 

"Nothing short of exceptional"

It is with great enthusiasm that I write this recommendation for Sapphire Wealth Management (SWM). My experience with SWM has been nothing short of exceptional, and I wholeheartedly recommend their services to anyone seeking expert financial guidance. From the moment I engaged with Doug and Cheryl, I was impressed by their professionalism, expertise, and commitment to client satisfaction. Their team took the time to thoroughly understand my financial goals, risk tolerance, and aspirations for the future. They then crafted a personalized wealth management strategy that aligned perfectly with my objectives. What sets SWM apart is not only their depth of knowledge in financial markets and investment strategies but also their unwavering dedication to their clients. They prioritize transparency, communication, and trust, ensuring that every decision made is in the best interest of the client. I have confidently recommended Sapphire Wealth Management to my family and friends, and the feedback has been overwhelmingly positive. Each person I have referred has been equally impressed by the caliber of service and results delivered by Sapphire. It is evident that they truly care about their clients’ financial well-being and go above and beyond to exceed expectations. If you are seeking a wealth management firm that combines expertise, integrity, and a genuine commitment to your financial success, look no further than Sapphire Wealth Management. They have earned my trust and admiration, and I am confident they will do the same for you. 

Brian and Michelle B.
Property Manager

"So much more than just a wealth management company"

Sapphire Wealth Management is so much more than just a wealth management company - although they do an amazing job at managing wealth.  Doug, Cheryl and their team are fantastic people who surround you with incredible support, guidance and the confidence that your financial wellbeing is in the best hands possible.  

 Susan B.
Retired

"My financial advisor for over twenty years"

Sapphire Wealth Management has been my financial advisor for over twenty years. While my portfolio is not the largest, Doug, Cheryl and the Sapphire staff have always taken great care to protect my investments, maximize my return and keep me fully informed.  The professionalism exhibited at Sapphire is hard to find.

Sal B.
CFO

"He takes the time needed to explain things in terms I understand"

Sapphire Wealth have been my investment advisors for many years. I am very happy with them. Doug has been terrific over the years. He takes the time needed to explain things in terms I understand. Since I am happy with them and making money, my husband decided to transfer his assets also.   I am very glad they have helped us both reach our retirement goals.  

Jackie & James B.
Customer Service & Retired

"My only regret is I didn't do it sooner"

I am a recent client of Mr. Doug Howes. I have known Doug and his wife Cheryl a long time and learned of his company and his reputation of success. It was a no brainer decision to move my retirement funds to Doug and his company.  I trust Doug as a person and a friend with my life and my future retirement success. He is one of the most generous, honorable, trustworthy people I know, and I highly recommend him to anyone who is looking to feel better about their financial management company.  My only regret is I didn't do it sooner.

Jeff C.
Engineer

"Always courteous and helpful"

I was fortunate to be introduced to Sapphire Wealth by my Mom. Doug has handled my Mom's accounts for the past twenty years. He was always available to assist her in any way.  So, when I was ready to retire in 2018, I reached out to him. He assisted me in turning over my thrift savings account and make good choices with my savings. The staff are always courteous and helpful. Doug provides a yearly review going over my account. He explains everything in terms that I understand. Explains what has impacted my account in the past year, and what may impact my account in the coming year. Discusses anything specific that I am planning for in the coming year. I am so happy that I chose Sapphire Wealth to assist me with my retirement plan.

Sandy D.
Retired

"He took pride in getting to know all the employees"

I met Doug over ten years ago through my work.  He was the person responsible for the company’s retirement plan. Although I have moved on from that company, there was one thing that stood out about Doug - everyone at work knew who he was.   He took pride in getting to know all the employees. Today, I can depend on him for keeping me abreast of the latest trends, the economy’s ups, downs , as well as other pertinent information.  I am grateful to him and his firm as it “takes a village”. Doug’s insight is astounding.  I appreciate all you do and look forward to the next ten years. Keep up the good work. Kudos to your team!!!!!

Toni E.
Officer Manager

"I am extremely happy with the net results of my investments"

Hello Doug, it was a pleasure meeting with you this past week as usual.  I just wanted to take a moment to thank you for your time and going over my portfolio to explain the results of the previous year. I am extremely happy with the net results of my investments and have the utmost confidence in you and your team. I look forward to working with you for the long term and for encouraging my son Bryan to meet with you and utilize your services to maximize the money he has acquired from his landscape business. I wish you health, happiness and prosperity my friend.

Bob G.
Retired

"Doug's genuine interest in my family as the years go on is truly appreciated"

My wife and I have been with Doug and Sapphire Wealth for 16 years. Being 50 at the time I had no plan for retirement, which concerned me quite a bit.   Doug's firm set up a 401k plan for my employer. After talking with Doug about my situation I realized that I had to get serious about my future and retirement.  Doug's knowledge and ability to communicate that knowledge in simple terms made it very easy to participate in the plan we put into place for my retirement.  As my retirement age is approaching, I feel very comfortable in the position I'm in.  Never would have thought that 16 years ago. Thanks to Doug and his team they have made this possible.  The yearly reviews and conversations we have throughout the year are invaluable.  Doug's genuine interest in my family as the years go on is truly appreciated.  Cheryl, Karen and Kate are always available to deal with any concerns or questions we might have.  My wife and I are looking forward to continuing our relationship with the Sapphire team for many years to come! 

Scott & Kolleen H.
Screen Printer

"I would absolutely recommend this group for anyone wanting to improve their investments and get serious about their retirement!"

I would like to take the time to thank Doug H and his whole staff (looking at you Cheryl and Kate) for their approach to my financial security.  Doug has taught me a lot about the importance of investing/contributing to growth and value accounts for the long term and now I am seeing the benefits of compound interest and growth.  He is always there to answer any of my questions and concerns.  His evaluations and reviews of my accounts are thorough and easily understandable.  He is able to both speak to and graphically show me results of my investments.  Kate and Cheryl are very organized and helpful with processing any changes within my account and send friendly reminders when needed.  I would absolutely recommend this group for anyone wanting to improve their investments and get serious about their retirement!

Jen J.
Sales Executive

"Always responsive to our questions and concerns"

We have been working with Doug at Sapphire Wealth for 17 years.  Over the years, Doug has guided and advised us in several areas including planning for college, retirement, estate planning, and our general investment strategy.  He has been a reliable and knowledgeable partner over almost two decades, taking an approach that is personalized to our family.  Doug and his colleagues at Sapphire Wealth are always responsive to our questions and concerns, regardless of how minor or major.  We’ve referred friends and family to Doug because of his sound advice and consistent approach. We would recommend Sapphire Wealth to anyone looking for a true partner in the management of their investment portfolio.  

Billy & Maria K.
Product Analyst & Senior Director, Legal Operations

"Cares authentically about the well-being of our finances AND our family"

We feel so fortunate to have connected with Doug Howes years ago when we were just starting our family. Three kids later and having gone through lots of personal and professional change, we can't imagine NOT having Doug in our corner. Unlike some other advisors from big financial institutions, Doug takes a "what do you really need" approach rather than "what can I sell them."  We appreciate that the Sapphire Wealth team really knows us, understands our values, and cares authentically about the well-being of our finances AND our family.  

Dan & Harmony L.
Clinical Research & Communications

"Their support has been incredible"

Sapphire Wealth Management has managed our investments for many years.   We have never been disappointed in their service.   Doug and his staff are always available to advise and educate about our holdings.  During the yearly review of our portfolio, Doug reviews investments and explains strategies that best accomplish positive returns.  When my husband passed, SWM advised what I needed to do and helped me accomplish it.  Their support has been incredible!  Thank you SWM. 

Karen M.
Retired

"People are very fortunate to have him as an advisor"

There are many things about Doug Howes that I'm grateful for.  He has the ability to explain very thoroughly anything he believes is right for his clients, no matter their age.  I'm 92 and he hasn't called me a senile old lady yet!  People are very fortunate to have him as an advisor on any question that comes along.  His organization is top-notch.  The associates at Sapphire Wealth Management have always been pleasant and cooperative with the knowledge to come through with the right answers.  Together they all make a great team that one can count on.  We who do business with Doug and his very qualified people are very lucky.

Mary N.
Retired

"We consider them very professional and dear friends as well"

We want to share that Doug Howes and his team at SWM are awesome. They always have their clients' best interests in mind first and foremost, they are awesome individuals, and we consider them very professional and dear friends as well.

Jack & Doe R.
Retired

"His top-notch staff has always been available to me for any questions and concerns"

I’ve been working with Doug Howes for almost 10 years after suddenly becoming a widow. He helped me navigate the unexpected journey, with the expertise and insight that I needed for retirement and becoming the sole caretaker of our home. His top-notch staff has always been available to me for any questions and concerns. I hope this sums up the 10 years!!  I thank you sincerely.

Sharon S.
Retired

"I trust him completely"

Doug Howes has been my financial advisor and friend for years.  He was highly recommended by my former advisor when she retired.  I trust him completely.  He's always available to answer my questions.  He's extremely knowledgeable and his advice is based on facts.  Every year I receive a financial plan report and annual review summary letter.  In our yearly meeting, the information Doug presents is very complete and thorough.  Doug is always kind and helpful.  I feel he truly cares about his clients.  Everybody who works with Doug is friendly, helpful, and competent as well.  They always get back to me with any information I might need.  It really is a pleasure to work with everyone at Sapphire Wealth Management! Thanks for everything.

Suzy W.
Retired

"He can talk the talk of investments and can talk in plain language too"

Doug has been our financial advisor for 10 years. What is most important to us is that we trust Doug with our money. He always respects our decisions on how we spend our money. At the same time, he is looking out for keeping our assets safe and he is looking ahead for our needs for the future. He continues to learn about taxes and uses good advisors himself to keep him up to date and on track . He can talk the talk of investments and can talk in plain language too. We can ask any questions without worrying that we will feel foolish or that he will be judgmental. He is a kind, warm and smart human being. 

Carol J. & Tom W.
Retired