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Sovereign Capital Vantage: Building Wealth. Enhancing Lifestyle.

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David Thompson, Vice President, Marc Thompson, President and Diana Thompson, owner and corporate secretary, Sovereign Capital VantageDavid Thompson, Vice President, Marc Thompson, President and Diana Thompson, owner and corporate secretary The financial independence, retire early (FIRE) movement is becoming increasingly popular among modern investors who aim to accumulate enough wealth to fund their retirement dreams. By making smarter financial decisions, they are choosing to invest and let their money work for them, rather than taking hefty loans and working past retirement to pay them off.

The growth of their investments and the volume of their returns, however, depend on how and where they invest. While many modern investors prefer to invest in stocks and mutual funds through brokerages and agents, these options don’t always offer the best returns. Even if they seek personalized investment options through registered investment advisers (RIAs) and fiduciaries, they will often be asked to make large capital deposits, ranging between $500,000 and $1,000,000, which is not very practical for low- to mid-range net worth individuals.

Sovereign Capital Vantage—a fee-only fiduciary service provider—is disrupting the status quo by providing working individuals with personalized investment options with a starting capital of less than $500,000. The firm builds customized investment portfolios for its clients based on their diverse incomes and risk factors, helping them generate significant returns from their passive assets. Sovereign Capital is fueling the FIRE movement by enabling working individuals to achieve financial independence as quickly as possible and retire earlier with enough wealth for a leisurely lifestyle.

Sovereign Capital represents investors from all walks of life, including retired individuals, physicians, truckers, engineers, teachers, single moms, charities, small business owners, and even trust companies. Sovereign Capital is preferred by individuals looking to retire in the next 10 to 15 years—to generate high returns within a short period of time and enhance their way of life after retirement.

“We provide personalized wealth management portfolios for each individual based on one of our five proprietary investment models irrespective of whether they are just beginning their investment journey or have already reached the millionaire milestone,” says Marc Thompson, president of Sovereign Capital Vantage.

Optimizing Returns with Financial Planning and Management

Sovereign Capital Vantage offers two primary services; financial planning and wealth management. For financial planning, the firm creates a robust, easy-to-follow plan to help individuals manage their funds in the most effective manner.

It leverages a five-step process, starting with determining the client’s current financial status and ascertaining their goal (like early retirement), including their expected retirement timeframe.

The firm also identifies any obstacles—whether it is unnecessary expenses or unplanned spending—and takes steps to minimize them. Sovereign Capital’s five-step process is converted into a simplified catalog, which the clients can refer to throughout their financial journey.

As this service is charged at an hourly rate, Sovereign Capital provides an estimate of the time needed for the planning process well ahead of time, maintaining complete transparency.

Sovereign Capital helps clients invest their savings optimally through its wealth management service. For employees seeking returns from their 401k funds, the firm creates an individual retirement account (IRA), and then invests their available funds into one of its five proprietary investment models—which are differentiated based on growth rate, dividend rate, and multiple other factors. Additionally, Sovereign Capital Vantage leverages robust data analytics platforms, like Morningstar, to create its clients’ portfolios based on their requirements, whether they are aiming for growth, dividends, or a balance of both.

These services have propelled countless clients to significantly enhance their lifestyles. A case in point is a client in her forties who was struggling to take the reins of her increasing expenses. Her previous adviser had set her up with several fixed-income investments, the returns of which were insufficient to accommodate her lifestyle. Considering her financial trajectory, she would have exhausted her principal before reaching retirement.

When she turned to Sovereign Capital, the firm analyzed all her financial assets and liabilities. It used the insights to create a new financial plan, which included investing funds according to one of its more aggressive investment models. Now, 12 years later, instead of exhausting her capital, the client is receiving consistent returns, and ticking off the things on her post-retirement bucket list.


We provide personalized wealth management portfolios for each individual based on one of our five proprietary investment models irrespective of whether they are just beginning their investment journey or have already reached the millionaire milestone


The company’s fee-only policy— which is directly tied to the client’s asset value—further incentivizes it to grow the wealth assets and optimize the returns of its clients. The firm’s clients also save on broker charges, as Sovereign Capital deals with its clients directly instead of through agents. The absence of ‘middlemen’ ensures that the clients can pick up the phone and call their money managers at any time to monitor the status of their assets.

Bringing Financial Expertise into Divorce Management

Sovereign Capital’s expertise in financial management is helping many divorcees take control of their funds. Amid the anxiety and emotional turmoil of the separation during divorce, keeping track of the financial shifts is a near-impossible task. For this reason, Sovereign Capital started its Divorce (and Separation) Planning service.

“We help divorcees establish their priorities with respect to children, property, and finances,” says Thompson.

This includes organizing their financial statements, tax returns, investment details, employee benefit information, household inventory, bills, bank accounts, credit cards, child/ spousal support, insurance, and other legal documents. Based on the financial situation, the firm helps them develop a to-do list to get their financial affairs in order. Sovereign Capital also assesses the separation agreement to ensure that the divorcees get a fair share of the marital funds.

To further augment Sovereign Capital’s competencies in the divorce management space, Thompson is in the process of being certified as a divorce financial analyst.

Interestingly, the firm’s expansion into the divorce management space was spurred by an incident where a client was referred to Sovereign Capital for financial analysis of a divorce agreement for possible tax consequences. In this instance, a simple review of the client’s documents revealed that the settlement prepared by the lawyer had not taken into account much of the combined marital property, which would have resulted in a substantial loss. The firm suggested a forensic appraisal, which brought to light the real value of their marital property and enabled their lawyer to fairly adjust the settlement. In the end, she ended up getting several million dollars instead of the $10,000/ month payment.

Paving the Way toward Complete Financial Freedom

The close-knit, boutique approach is enabling the firm to focus on each of its clients and help them achieve complete control over their wealth. Thompson and his family bring great skill and expertise in various aspects of asset management. While Thompson specializes in portfolio model construction and analysis, his wife, Diana Thompson, secretary/treasurer of the company, specializes in back-office role, and brother, David Thompson, vice president, is an expert in real estate property management. This combined expertise enables the firm to analyze client assets from all angles and optimize the returns.

  • We help divorcees establish their priorities with respect to children, property, and finances


Today, under the brand of Sovereign Capital Vantage, Thompson and his family regularly provide individual consultations to each of their clients. They conduct one-on-one discussions to pick and choose the investment options that will result in the most returns based on their risk profile. As Sovereign Capital’s revenue is directly tied to the performance of its assets, clients can rest assured that the firm’s interests are perfectly aligned with theirs.

Sovereign Capital’s mission is to open access for the middle class to the high-end, fee-only fiduciary services that only a few could afford, until now. The company will free many more from the conflicting interests of broker-dealers by providing a more direct and interest-aligned investment approach. In line with this goal, the company is establishing an office in Virginia, in addition to their mid-south office. Sovereign Capital, by breaking the walls of traditional investment methodologies, will empower individuals to unlock the full potential of their money and reach their retirement goals without compromising on lifestyle.

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Sovereign Capital Vantage

About Sovereign Capital Vantage

Company
Sovereign Capital Vantage

Headquarters
Ashland, VA and Memphis, TN

Management
David Thompson, Vice President, Marc Thompson, President and Diana Thompson, owner and corporate secretary

Description

Sovereign Capital Vantage, a fee-only fiduciary firm, offers wealth management and financial planning services designed to help individuals meet their retirement goals without compromising on their lifestyles.The firm builds customized investment portfolios for its clients based on their diverse incomes and risk factors, helping them generate significant returns from their passive assets