wiseradvisor

Steven Dick
Sapiat Asset Management

Tel: (423) 636-1800
705 Professional Plaza Drive
Suite 2
Greeneville, TN 37745

Real Life. Real People. Real Solutions.

Sapiat Asset Management | Financial Advisor in Greeneville ,TN

About Sapiat Asset Management

Sapiat Asset Management is a fee-only, independent registered investment advisor, specializing in goal oriented, financial planning and investment management for Individuals & Families, their Businesses, and the Trusts that benefit them.

Sapiat Asset Management provides real solutions to real people for real life. Working with customers coast-to-coast, we use our education, knowledge, skills, and resources to provide the proprietary processes, professional objectivity, and institutional discipline needed to create financial independence among the American Middle Class.

Both Sapiat Asset Management and its financial advisors act as fiduciaries at all times for all customers.


General Information

Firm Start Year:   2003
No.of Employees:   2-4
States Licensed in:   Nationwide
Number of Years with Current Firm:   16
Work Experience:   Steve has been in financial services since 1999, through 2 full economic cycles; flat markets, bull markets, bear markets, economic expansions, and economic recessions. This real-world experience has enabled him to refine his proprietary processes, professional objectivity, and institutional discipline.

In addition to his extensive professional experience, he has a B.A. Economics and has studied on scholarship at 2 world renowned economic think tanks; the Ludwig von Mises Institute at Auburn University and the Political Economy Research Center at Montana State University.

He is a firm believer in career-long professional education and attends 1-2 major international professional conferences each year to meet with & hear from industry thought leaders.

During his career he has earned the Certified Financial Planner (CFP), Chartered Financial Consultant (ChFC), Accredited Wealth Management Advisor (AWMA), and several other elite professional certifications.
I work with the following types of clients:   Businesses, Individual Investors, Trusts


Services

Investment Types:   Annuities, Stocks, Exchange Traded Funds (ETFs), Alternative Investments, Options & Futures, Mortgages & Real Estate, Mutual Funds, Bonds
I can meet clients in the following ways:   At my office, At your home, At your office, Via phone, Via email, Video Conference


Qualifications & Memberships

Financial Organization Memberships:   Financial Planning Association (FPA)


Compensation and Fees

Fee Structure:   Fee Only
Minimum Portfolio Size for New Managed Accounts:   $25,000
Compensation Methods:   Based on Assets, Flat Fee, Hourly
Minimum Fee Charged for Managed Accounts:   $300.00


Board Positions

Organization:  Tennessee Childrens Home  Spring Hill, TN
Position :  Immediate Past Chairman of the Board
Duration :  2013-2014

Organization:  Tennessee Childrens Home  Spring Hill, TN
Position :  Chairman of the Board
Duration :  2012-2013

Organization:  Rural Resources  Greeneville, TN
Position :  Treasurer
Duration :  2010-2012

Organization:  Junior Achievement of Tri-Cities TN/VA  Kingsport, TN
Position :  Board of Directors
Duration :  2008-2012

Organization:  Junior Achievement of Greeneville/Greene County  Greeneville, TN
Position :  Chairman of the Board
Duration :  2008-2010

Organization:  Junior Achievement of Greeneville/Greene County  Greeneville, TN
Position :  First Vice-President
Duration :  2005-2007

Organization:  Greeneville Exchange Club  Greeneville, TN
Position :  Board of Directors
Duration :  2004-2006

Organization:  Tennessee Childrens Home  Spring Hill, TN
Position :  Board of Directors
Duration :  2006-2010

Organization:  Junior Achievement of Greeneville/Greene County  Greeneville, TN
Position :  Immediate Past Chairman of the Board
Duration :  2010-2012

Organization:  Junior Achievement of Greeneville/Greene County  Greeneville, TN
Position :  Board of Directors
Duration :  2004-2012

Organization:  Tennessee Childrens Home  Spring Hill, TN
Position :  Secretary
Duration :  2010-2012


Education

B.A. - Economics  University of Alaska Fairbanks - Fairbanks, AK
1995-1999



Faqs

  • Do you have a customer satisfaction or refund policy? We've never found it necessary to establish a refund policy. Our goal is to make customers for life and our retention rate speaks volumes about what our customers think of us. Our customer retention rate usually runs at 97% or higher. Many customers have worked with us for nearly 2 decades and we have several multi-generational relationships as family members refer one another to our company.
  • What are your qualifications? What is your education background? I have been a professional through 2 full economic cycles; flat markets, bull markets, bear markets, economic expansions, & economic recessions. My experience has allowed me to hone my professional objectivity & discipline, while refining my processes & techniques. In addition, I have a B.A. Economics and have studied on scholarship at 2 prestigious economic think tanks. I am a believer in career-long professional education and attend 1-2 major international professional conferences each year to meet with & hear from industry thought leaders. During my career I have earned the CFP, ChFC, AWMA, and 7 other elite professional certifications.
  • What is your approach to financial planning? Financial plans have 4 critical components; financial statements, risk management, retirement planning, & estate planning. To that are added additional issues unique to each customer; e.g. education planning, businesses succession planning, etc... We begin by focusing on whatever issue you consider most important. We will schedule time later in the year to address the other components of a good financial plan. We also believe in keeping things simple, producing work that the average person can understand. We will not unnecessarily complicate your plan or deliver hundreds of pages of industry jargon. What we will produce is a short document you can read, understand, & implement immediately.
  • What services do you offer? Sapiat Asset Management specializes in Individuals & Families, the Businesses they own and the Trusts that benefit them. We offer comprehensive financial planning, project consultation, and asset management. Our services revolve around providing the financial planning, advice, and management needed to help customers become financially independent and reach their goals.
  • Will you be the only person working with me? I will be your primary planner & advisor, but you will be taken care of by our dedicated team of exceptional service consultants. As we hire niche financial specialists, they will be added to your team to review, advise, and manage specific areas of your financial life.
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Steven Dick

Steven Dick

AWMA, AAMS®, CERTIFIED FINANCIAL PLANNER™ Certificant, CRPS®, ChFC®

Steve has been in financial services since 1999 and since 2003 has worked exclusively with Individuals & Families, their Businesses, and the Trusts that benefit them. His professional work is varied, but always revolves around the financial success of his customers; your goals are his goals. As a Certified Financial Planner Steve is an objective & disciplined advisor who can be trusted to always place customers first. He spends time getting to know customers before a financial plan is ever created and then dedicates himself to helping them successfully achieve their goals. He is an expert at lifes financial events, daily managing important financial events that most people will only face 1-2 times in their lives.

Steve has a degree in economics and has studied at 2 world renowned economic think tanks. Dedicated to career long education, he has earned 10 elite professional designations over the course of his career. He is also an active member of the Financial Planning Association.

In addition to Wiser Advisor, he is a SmartAsset Fiduciary Financial Advisor, is listed in Paladin Registry, and is a Dave Ramsey SmartVestor.

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My Services

Financial Planning for Individuals

Sapiat Asset Management takes time to talk with its customers to be certain they fully understand their goals & concerns. They dont use meaningless questionnaires or slick sales presentations. Theyre just people talking to people about life. Only when it is determined that you are a good fit for them and they are a good fit for you will they ask for financial information. You are unique, with a unique past, a unique present, and a unique future. Sapiat Asset Management will take everything it knows about you and apply its professional knowledge & experience to create a financial plan unique to you. They will present your financial plan to you, explain their reasoning, answer all of your questions, and theyll do it in plain English you can understand. If you are both on the same page, they will open accounts, transfer assets, accept deposits, and do everything else necessary to begin the relationship. Sapiat will use its discretion to manage the day-to-day aspects of your investments according to your financial plan. Theyll provide you with quarterly statements, online account and financial plan access, and a mobile app. Theyll schedule themselves to regularly review your financial plan and check-in with you by telephone or email, beginning Discovery all over again. And of course you are welcome to call Sapiat anytime you have a question, concern, or need.


Financial Planning for Businesses

Sapiat Asset Management only works with businesses owned by its individual customers, so most of the groundwork will already be laid when they create your personal financial plan. Theyre financial advisors know what it takes to start up and operate a business successfully. After all, they are business owners too. As a business owner, your business is probably your most important asset. Its financial success has a huge impact on your familys future and financial security. Sapiat Asset Management is acutely aware of the financial challenges and regulatory pressures you are facing. It can be very stressful. A good financial plan can go a long way in easing some of that stress. They will work with you or your designee to address needs specific to your business, such as employee benefits planning, ERISA plan evaluation and design, and succession planning. In short, Sapiat Asset Management will do what it does best so you can go do what you do best  run a successful business.


Portfolio Management

Sapiat Asset Management will not ask you to complete a useless risk tolerance questionnaire, slap a meaningless label on you, then try and pound a square peg (you) into a round hole (label). Instead, they believe the best way to manage life savings is for your benefit, according to your financial plan, so that you can make your dreams a reality. In doing so, Sapiat uses an objective and disciplined process. They always keep a close eye on the economy and markets using Sapiats proprietary dual research process. Their process begins with top down economic analysis, searching the globe for potential risks and potential opportunities. Once they have identified those risks and opportunities, they will begin constructing asset allocation by geography, sector, and industry. From there Sapiat Asset Management moves on to bottom-up company screening, searching for the best companies at the right prices. They will then populate their desired allocations with their highest conviction ideas. And the process never ends. The economy and markets are ever changing, so Sapiat Asset Managements research process must be never ending.


Office Hours

wiseradvisor-balck-li-img Mon. 8:00 AM - 5:00 PM
wiseradvisor-balck-li-img Tue. 8:00 AM - 5:00 PM
wiseradvisor-balck-li-img Wed. 8:00 AM - 5:00 PM
wiseradvisor-balck-li-img Thu. 8:00 AM - 5:00 PM
wiseradvisor-balck-li-img Fri. 8:00 AM - 5:00 PM

Communities Served

Afton Bulls Gap
Bybee Chuckey
Del Rio Erwin
Fall Branch Flag Pond
Johnson City Jonesborough
Kingsport Limestone
Mohawk Mosheim
Parrottsville Rogersville
Russellville Surgoinsville
Telford Whitesburg
All of Northeast Tennessee.

Compensation Arrangements

Check Money Order

Awards & Recognitions

People's Choice Best Financial Planning Firm
(2008)

Awarded by the Greeneville Sun.


Top 40 Under 40
(2005)

Awarded by the Business Journal of Tri-Cities TN/VA.

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