FAQs

Sturgill Financial Partners helps individuals and families make clear, informed financial decisions through a planning-first approach. We focus on retirement planning, tax-efficient strategies, investment planning tied to goals, employer stock and equity guidance, and financial support during major life transitions.

We serve people who want a knowledgeable guide to simplify increasing financial complexity, including retirees and pre-retirees, business owners, professionals with stock options or ESOPs, and individuals facing major life transitions such as loss, inheritance, or sudden wealth.

You can expect a structured onboarding experience designed to bring clarity to your financial picture. We begin with a discovery conversation, gather your financial information, identify opportunities and blind spots, and build a customized plan that reflects your goals.

Our firm is built on clarity over complexity. As a lifelong member of the community, Jacob Sturgill brings a family legacy rooted in the local business environment and a commitment to honesty, hard work, and personal care. We focus on uncovering financial blind spots, providing simple explanations, and coordinating advice through a curated network of trusted professionals - similar to a virtual family office.

A planning-first approach means your plan - not the markets - drive the decisions we make together. We start by understanding your goals, priorities, and challenges, then build a step-by-step strategy that adapts as your life evolves. Investments and tax strategies support the plan, rather than leading it.

As a CFP® professional, the fiduciary standard requires Jacob to put your interests first in client relationships. This standard guides how we operate, ensuring clarity, transparency, and advice centered on what benefits you - not what’s easiest or most profitable for a firm.

As a Certified Financial Planner®, Jacob focuses exclusively on helping clients navigate the transition into retirement. This includes guidance on retirement income strategies, Social Security timing, tax-efficient withdrawal sequencing, Medicare and healthcare considerations, and estate design. Through a structured planning process refined over years of experience, he helps clients create a personalized retirement roadmap that is stress-tested for different scenarios and adjusted over time as life, markets, and goals evolve.

Yes. We specialize in helping individuals experiencing major life transitions. Whether you’re managing new assets, navigating financial responsibilities, or needing clarity during an emotional time, we provide step-by-step guidance to help you move forward confidently.

Absolutely. We assist executives and professionals in understanding vesting schedules, tax implications, liquidity events, and how equity fits into their broader financial plan. Our goal is to help you make informed decisions with confidence.

A withdrawal strategy outlines how you take income from savings, investments, and retirement accounts in a way that supports your lifestyle and helps manage taxes. We help clients understand their options, evaluate timing, and build a plan that fits their goals and spending needs throughout retirement.

There is no one-size-fits-all number. A sustainable withdrawal rate depends on your savings, income sources, tax situation, and long-term goals. We work with clients to build a plan that helps balance their income needs with the desire to preserve assets for the future.

Inheritances can come with tax considerations depending on the type of assets received, how accounts are titled, and when distributions are taken. We help clients understand the available options and make informed decisions that support both short- and long-term planning.

Losing a spouse often brings emotional strain and new financial responsibilities. We help clients understand their new financial picture, organize accounts, evaluate income needs, and make decisions at a comfortable pace so nothing feels rushed or overwhelming.

Readiness depends on more than a savings number. We help clients understand whether their income sources, spending needs, healthcare costs, and tax situation align to support retirement with confidence and clarity.

Decisions around stock options, RSUs, and ESOPs often involve timing, taxes, and how they fit into your broader plan. We help clients evaluate their choices so they can make informed decisions that support their goals.

Tax-efficient retirement planning may include managing withdrawals, using Roth conversions when appropriate, and coordinating income sources. We help clients understand the strategies available and how to make tax-aware decisions over time.

As finances become more complex, gaps and risks can develop without being obvious. Our planning-first process helps clients understand their full financial picture with the goal of identifying areas that may need attention - before they become issues.

Many clients have multiple professionals involved in their finances. Through our virtual family office model, we help coordinate with your CPA, attorney, and other specialists to ensure your decisions align across all parts of your financial life.

Relocating can impact taxes, residency rules, and retirement income. We help clients evaluate the financial considerations so they can understand how a move may affect their long-term plan.

Whether from inheritance, business sale proceeds, or another major event, sudden wealth brings new financial responsibilities. We help clients organize their priorities, understand their options, and build a step-by-step plan that supports both stability and long-term goals.

Many clients are delegators who want a trusted guide rather than handling every financial detail. We provide ongoing planning and investment guidance so clients can focus on what matters most to them.