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# Sapphire Wealth Planning

Kansas City Fee-Only Holistic Financial Planning

## Sitemaps

- [XML Sitemap](https://sapphirewealthplanning.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [How Does Income Inequality For Women Affect Their Retirement?](https://sapphirewealthplanning.com/how-does-income-inequality-for-women-affect-their-retirement/) - A discussion of women's' retirement readiness and the tangible effects on it by leaving and re-entering the workforce, in addition to pay inequality for women.
- [Money Tips for Single Women](https://sapphirewealthplanning.com/money-tips-for-single-women/) - If you're newly divorced, managing your finances can play a large role in your financial future. We explore some basic steps to help you stay on track.
- [Top 9 Money Tips for New Parents](https://sapphirewealthplanning.com/top-9-money-tips-for-new-parents-2/) - I’m writing this as I await the arrival of another grandson, which made me ponder how money management will become an even more important part of his parents’ lives. Now with two college educations to save for, while also saving for the new home they are currently building, and their own future retirement, the ability
- [Coming Soon](https://sapphirewealthplanning.com/under-construction/) - Please check back, our podshow notes will be available shortly.
- [Financial Aid for the Wealthy](https://sapphirewealthplanning.com/financial-aid-for-the-wealthy/) - The title of this post may sound like an oxymoron, but in reality, there are circumstances in which the more affluent members of our society may qualify for need-based scholarships. Many parents assume they earn too much money and pay the “sticker price” for the best school their student can gain admittance. I’m here to
- [Top 5 Things to Know About the Tax Cut & Jobs Act*](https://sapphirewealthplanning.com/top-5-things-to-know-about-the-tax-cut-jobs-act/) - The majority of the provisions in the Tax Cuts and Jobs Act of 2017 (TCJA) are scheduled to sunset in 2025. Until then, you have an opportunity to use the provisions to your advantage, as long as you know what those advantages might be for you. In some cases, you will find that what appears to
- [Navigating Divorce: 301 Workshop](https://sapphirewealthplanning.com/navigating-divorce-301-workshop/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_margin=”0px|0px|0px|0px” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”%22Description%22 title” _builder_version=”4.16″ global_colors_info=”{}”]Description[/et_pb_text][et_pb_text admin_label=”Workshop Description” _builder_version=”4.16″ global_colors_info=”{}”]Divorce with financial confidence! If you were recently divorced, or it’s soon to be final, this workshop is for you. Attend alone or bring a friend for moral support. This informative workshop will address:[/et_pb_text][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”] [/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row
- [FF000 - Introducing Financial Facets Podcast with Melissa Ellis](https://sapphirewealthplanning.com/ff000-introducing-financial-facets-podcast-with-melissa-ellis/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”]Melissa Ellis introduces the Financial Facets Podcast. We interview successful women who share how they achieved their success. We talk about money, relationships, successes, failures and, my passion, shoes!!!![/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]

## Pages

- [Home](https://sapphirewealthplanning.com/) - Fee-only comprehensive financial planning and registered investment advisory firm in Overland Park, Kansas. Speciality: Independent Women & Education Planning.
- [Contact Us](https://sapphirewealthplanning.com/contact-us/) - Contact Sapphire Wealth Planning in Kansas City.
- [About - Melissa.J. Ellis, CFP® CDFA® MS](https://sapphirewealthplanning.com/about/) - Melissa is a Certified Financial Planner in Kansas City with a passion for helping clients live well by helping them develop a plan for financial independence.
- [IRA Calculator](https://sapphirewealthplanning.com/ira-calculator/) - [et_pb_section admin_label=”section”] [et_pb_row admin_label=”row”] [et_pb_column type=”4_4″][et_pb_text admin_label=”Text”]Retirement planning is a crucial aspect of financial health, and Individual Retirement Accounts (IRAs) serve as a cornerstone in the foundation of a secure retirement. IRAs are tax-advantaged savings accounts, specifically designed to support individuals in their quest to save and invest for retirement. Depending on the type of
- [Early Retirement Calculator](https://sapphirewealthplanning.com/early-retirement-calculator/) - [et_pb_section admin_label=”section”] [et_pb_row admin_label=”row”] [et_pb_column type=”4_4″][et_pb_text admin_label=”Text”]The concept of achieving financial independence early, allowing for retirement well before the traditional age, is gaining traction among those seeking to prioritize their freedom and quality of life. This strategy revolves around saving and investing a substantial portion of your income to reach a point where your investment
- [401k Calculator](https://sapphirewealthplanning.com/401k-calculator/) - [et_pb_section admin_label=”section”] [et_pb_row admin_label=”row”] [et_pb_column type=”4_4″][et_pb_text admin_label=”Text”]Retirement planning is an essential element of financial wellness, and a 401(k) plan stands out as a valuable tool offered by many employers. This type of retirement savings plan not only helps employees set aside a portion of their income for the future but also offers a blend of
- [Client Access](https://sapphirewealthplanning.com/resources/client-access/) - Client Access to Scottrade trading through Sapphire Wealth Planning.
- [Resources](https://sapphirewealthplanning.com/resources/) - Financial Planning resources for clients, families, and individuals looking to set or meet financial goals.
- [Financial Facets](https://sapphirewealthplanning.com/resources/blog/) - Blogs, Videos, and Articles about financial planning.
- [Planning For Children's Education](https://sapphirewealthplanning.com/about-you/planning-for-childrens-education/) - Strategies and tools for Kansas City parents planning to finance their children's college education.
- [Cohabitating Couples](https://sapphirewealthplanning.com/about-you/unmarried-couples/) - Pitfalls and gotchas that unmarried, cohabitating adults need to consider in financial planning.
- [Families of Divorce](https://sapphirewealthplanning.com/about-you/divorced-families/) - Financial planning considerations for families that have gone through a divorce.
- [Independent Women](https://sapphirewealthplanning.com/about-you/independent-women/) - Financial planning strategies and resources for independent women in Kansas City.
- [Comprehensive Financial Planning](https://sapphirewealthplanning.com/comprehensive-financial-planning/) - Customized, comprehensive financial planning that focuses on what is happening in your life now, while keeping an eye on your future retirement.
- [College Planning](https://sapphirewealthplanning.com/college-planning/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ background_image=”http://sapphirewealthplanning.com/wp-content/uploads/2018/10/college-planning-header.jpg” custom_padding=”7px|5px|7px|5px|true|true” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” header_font=”||||||||” header_2_font=”||||||||” background_layout=”dark” global_colors_info=”{}”] Did you know that college tuition is priced like airline tickets? Everyone pays a different price! Let Sapphire Wealth Planning help find your family’s price for college tuition. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” _builder_version=”4.16″ custom_padding=”48px|150px|75px|150px|false|true”
- [IRA Calculator](https://sapphirewealthplanning.com/irc-calculator/) - [et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.24.2″ _module_preset=”default”][et_pb_row _builder_version=”4.24.2″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″][et_pb_column _builder_version=”4.24.2″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_heading title=”Maximizing Your Retirement: Navigating the World of IRAs” _builder_version=”4.24.2″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″ title_text_align=”center”][/et_pb_heading][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.24.2″ _module_preset=”default”][et_pb_row _builder_version=”4.24.2″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.24.2″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″] An Individual Retirement Account (IRA) serves as a cornerstone for retirement
- [About You](https://sapphirewealthplanning.com/about-you/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_margin=”0px|||” custom_padding=”0px||75px||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”%22About You%22 Header Text” _builder_version=”4.16″ text_font=”Droid Serif||||||||” custom_margin=”||0px|” custom_padding=”||10px|” global_colors_info=”{}”] About You [/et_pb_text][et_pb_divider color=”#efefef” _builder_version=”4.16″ global_colors_info=”{}”] [/et_pb_divider][et_pb_text disabled_on=”on|on|on” _builder_version=”4.16″ disabled=”on” global_colors_info=”{}”] Maybe you’re reading this because you’re interested in getting a better control, or even a better understanding, of
- [Financial Facets Blog](https://sapphirewealthplanning.com/blog/) - [et_pb_section bb_built=”1″ next_background_color=”#000000″ _builder_version=”3.1.1″ custom_margin=”0px||0px|” custom_padding=”25px||25px|” inner_width=”auto” inner_max_width=”960px”][et_pb_row _builder_version=”3.1.1″ width=”80%” max_width=”960px”][et_pb_column type=”4_4″ custom_padding__hover=”|||” custom_padding=”|||”][et_pb_text admin_label=”%22Financial Facets Blog%22 Header Text” _builder_version=”3.1.1″ text_font=”Droid Serif||||||||” custom_margin=”||0px|” custom_padding=”||10px|”] Financial Facets Blog [/et_pb_text][et_pb_divider _builder_version=”3.1.1″ show_divider=”on” color=”#efefef” custom_margin=”||0px|” custom_padding=”||0px|” /][et_pb_blog _builder_version=”3.26.6″ include_categories=”25″ show_more=”on” show_author=”off” box_shadow_horizontal_image_tablet=”0px” box_shadow_vertical_image_tablet=”0px” box_shadow_blur_image_tablet=”40px” box_shadow_spread_image_tablet=”0px” text_shadow_horizontal_length=”text_shadow_style,%91object Object%93″ text_shadow_horizontal_length_tablet=”0px” text_shadow_vertical_length=”text_shadow_style,%91object Object%93″ text_shadow_vertical_length_tablet=”0px” text_shadow_blur_strength=”text_shadow_style,%91object Object%93″ text_shadow_blur_strength_tablet=”1px” header_text_shadow_horizontal_length=”header_text_shadow_style,%91object Object%93″ header_text_shadow_horizontal_length_tablet=”0px” header_text_shadow_vertical_length=”header_text_shadow_style,%91object
- [Podcast](https://sapphirewealthplanning.com/podcast/) - [et_pb_section bb_built=”1″ _builder_version=”3.22″ custom_margin=”0px||0px|” custom_padding=”25px||25px|” next_background_color=”#000000″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_blurb title=”Financial Facets Podcast” use_icon=”on” font_icon=”%%120%%” icon_placement=”left” content_max_width=”100%” _builder_version=”3.19″ header_font=”||||||||” header_text_color=”#04115f” header_font_size=”31px”] [/et_pb_blurb][et_pb_divider color=”#efefef” _builder_version=”3.2″] [/et_pb_divider][et_pb_text admin_label=”%22Financial Facets%22 Header Text” _builder_version=”3.19″ text_font=”Droid Serif||||||||” header_font=”||||||||” header_3_font=”||||||||”] Welcome to Financial Facets! Every facet of your life can bring new financial implications. Here you’ll find
- [Workshops](https://sapphirewealthplanning.com/resources/workshops/) - Educational workshops teaching Kansas City individuals and families to navigate and meet financial goals.
- [Millennials, Gen Xers & Personal Finance](https://sapphirewealthplanning.com/about-you/millennials-gen-xers-personal-finance/) - Topics that Kansas City Millennials and Gen X-ers need to consider in their financial planning strategy.
- [Questions You Want Answered](https://sapphirewealthplanning.com/questions-you-want-answered/) - [et_pb_section fb_built=”1″ _builder_version=”3.1.1″ custom_margin=”0px||0px|” custom_padding=”25px||75px||false|false”][et_pb_row _builder_version=”3.1.1″][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on”][et_pb_text admin_label=”%22Questions You Want Answered%22 Header Text” _builder_version=”3.1.1″ text_font=”Droid Serif||||||||” custom_margin=”||0px|” custom_padding=”||10px|”] Questions You Want Answered [/et_pb_text][et_pb_divider color=”#efefef” _builder_version=”3.2″ custom_margin=”||0px|” custom_padding=”||0px|”][/et_pb_divider][/et_pb_column][/et_pb_row][et_pb_row custom_padding=”0px|||” custom_margin=”0px|||” _builder_version=”3.1.1″][et_pb_column type=”1_2″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on”][et_pb_image src=”http://sapphirewealthplanning.com/wp-content/uploads/2016/02/Fotolia_31694672_XS.jpg” _builder_version=”3.1.1″][/et_pb_image][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on”][et_pb_text _builder_version=”3.1.1″]If you have any questions please use this form to ask us.
- [What To Expect As A New Client](https://sapphirewealthplanning.com/resources/what-to-expect-as-a-new-client/) - What to expect as a new client of Kansas City's Sapphire Wealth Planning.
- [FAQs](https://sapphirewealthplanning.com/resources/faq/) - Frequently asked questions regarding Sapphire Wealth Planning and how we approach financial planning in Kansas City.
- [Professional Women](https://sapphirewealthplanning.com/about-you/independent-women/professional-women/) - Financial planning strategies and resources for women professionals in Kansas City.
- [College Planning FAQs](https://sapphirewealthplanning.com/about-you/planning-for-childrens-education/college-planning-faqs/) - FAQs & Answers for Kansas City parents planning to support their children financially through college.
- [Welcome To Sapphire Wealth Planning!](https://sapphirewealthplanning.com/home-old/) - Kansas City comprehensive financial planning & investment advisory firm. We provide holistic financial advice for families and individuals.
- [Contact Form Submitted](https://sapphirewealthplanning.com/contact-form-submitted/) - Contact form has been submitted.
- [Tax Planning](https://sapphirewealthplanning.com/comprehensive-financial-planning/tax-planning/) - Sapphire Wealth Planning prepares an income tax projection each quarter to help ensure Kansas Citians are on track throughout the year before tax time.
- [Risk Management](https://sapphirewealthplanning.com/comprehensive-financial-planning/risk-management/) - Objective review that ensures you are protected with the necessary health, life, property, and liability insurance to avoid financial loss from unforeseen risks.
- [Investment Management](https://sapphirewealthplanning.com/comprehensive-financial-planning/investment-management/) - Helping clients create diversified portfolios with the appropriate amount of risk to help attain financial independence for you and your family.
- [Financial Independence](https://sapphirewealthplanning.com/comprehensive-financial-planning/financial-independence/) - Financial independence means different things to different families. We are there to guide you in your personal journey to financial independence!
- [Estate Planning](https://sapphirewealthplanning.com/comprehensive-financial-planning/estate-planning/) - We ensure that your estate plan is properly prepared so that the transfer of your estate to your heirs may be accomplished in a tax-efficient manner.
- [Education Planning](https://sapphirewealthplanning.com/comprehensive-financial-planning/education-planning/) - Customized education planning, including 529 Plans, tuition cost planning, or tuition assistance, to enable your children to attend the school of their choice.
- [Cash Flow Management](https://sapphirewealthplanning.com/comprehensive-financial-planning/cash-flow-management/) - Quarterly cash flow analysis to alleviate uneven cash flow for Kansas City families.

## Divi Bars

- [Home Button](https://sapphirewealthplanning.com/divi_bars/home-button/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” background_color=”#005a99″ custom_padding=”5px||6px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text disabled_on=”on|on|on” _builder_version=”4.16″ _module_preset=”default” width=”100%” disabled=”on” global_colors_info=”{}”] Schedule a complimentary consultation [/et_pb_text][et_pb_button button_url=”https://calendly.com/melissa-consultation/60min” button_text=”SCHEDULE A COMPLIMENTARY CONSULTATION” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_text_size=”16px” button_text_color=”#005A99″ button_bg_color=”#4fb4fb” button_border_width=”0px” button_border_radius=”44px” button_letter_spacing=”2px” button_font=”|700|||||||” custom_padding=”12px|30px|12px|30px|true|true” hover_enabled=”0″ button_text_size_tablet=”” button_text_size_phone=”16px” button_text_size_last_edited=”on|phone” global_colors_info=”{}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#7fc6f9″ button_bg_enable_color__hover=”on” sticky_enabled=”0″][/et_pb_button][/et_pb_column][/et_pb_row][/et_pb_section]

## Events

- [Navigating Divorce:101 Workshop](https://sapphirewealthplanning.com/event/navigating-divorce101-workshop/) - Divorce with financial confidence! If you are contemplating divorce or just came to that realization, this workshop is for you. Whether it was your idea or your spouse's, you have many questions that need to be answered. Attend alone or bring a friend for moral support. Couples who wish to divorce amicably are also welcome. This
- [Navigating Divorce: 301 Workshop](https://sapphirewealthplanning.com/event/navigating-divorce-301-workshop/) - Divorce with financial confidence! If you were recently divorced, or it’s soon to be final, this workshop is for you. Attend alone or bring a friend for moral support. This informative workshop will address: How to receive the money awarded in the divorce decree Career Enhancement? Re-entering the workforce? Updating your Estate Plan New Budget, New Tax

## Categories

- [Divorce Planning](https://sapphirewealthplanning.com/category/divorce/) - Financial Planning issues related to divorce
- [College Funding](https://sapphirewealthplanning.com/category/college-funding/)
- [Women & Wealth](https://sapphirewealthplanning.com/category/women-wealth/)
- [Podcast](https://sapphirewealthplanning.com/category/podcast/)
- [Blog](https://sapphirewealthplanning.com/category/blog/)

## Tags

- [Women](https://sapphirewealthplanning.com/tag/women/)
- [Retirement](https://sapphirewealthplanning.com/tag/retirement/)
- [Research](https://sapphirewealthplanning.com/tag/research/)
- [Inequality](https://sapphirewealthplanning.com/tag/inequality/)
- [Certified Divorce Financial Analyst](https://sapphirewealthplanning.com/tag/certified-divorce-financial-analyst/)
- [Divorce Planning](https://sapphirewealthplanning.com/tag/divorce-planning/)