Build wealth for tomorrow. Live fully today. Ten Ring Wealth Advisors helps you invest wisely while keeping life front and center.
These are the conversations that help you build wealth while living fully today. Each question opens a path to aligning your money with the life you want.
Families often struggle with defining spending levels, legacy intentions, and how much wealth their children should receive without diminishing motivation or values.
Yes! Without a will, state law decides who gets your assets and who raises your kids. A simple will costs $300–$1,000 and prevents chaos.
That’s one of the most important questions you can ask, and the answer depends on the life you want. My role is to help you define that vision, understand what it will cost, and evaluate whether your current savings, income sources, and investments can support it. The goal is simple: to give you clarity and confidence so you can live life on your terms.
Creating a lasting legacy is a common goal for our clients. Wanting to ensure their wealth lasts leads to conversations about trusts, tax strategies, multigenerational governance, and long-term stewardship.
Legally minimizing taxes and optimizing overall financial structure is a delicate process. Tactful forethought of not just your tax situation, but also the anticipated landscape of taxes for future generations, can be the difference between a single generation of wealth and a lasting legacy.
There are three ways to deal with risk, avoidance, outsourcing, defending. To safeguard your life from market volatility, lawsuits, liability exposure, and catastrophic losses, we must first identify what matters most to you. We clarify where your strengths and vulnerabilities are. With this understanding, we determine the optimal combination of risk management tactics for your unique situation.
Tax-loss harvesting can offset capital gains, and up to $3K of ordinary income; donate appreciated stock to DAF (donor advised fund), deduct FMV (fair market value), and avoid gain.
Historically, gold has a long history as a diversification and store of value. It is not without its own risks like volatility, liquidity, price spread, fraud, and storage costs. Gold falls under collectibles and is taxed at 28%.
Crypto currency is also known as digital assets, Bitcoin specifically is sometimes referred to as “digital gold”. Referring to how it has been a store of value through inflationary periods similar to gold. Crypto currency is a new asset class, meaning it is unique from other investments. Crypto currency is a speculative investment, meaning it has one of the highest levels of risk because its future is uncertain. The taxes around these digital assets are complex.
Our clients are values-first families who refuse to settle for the ordinary. They want more than just basic advice; they want to take control of their financial destiny. And that’s exactly what we help them do.
Align money with your values and timeline—one decision at a time.
Define goals that fit life.
Evidence over guesswork.
Quarterly check-ins that stick.
A three-step framework that turns complexity into clear decisions—so you can live well now and later.
A practical, values-first planning approach. We start simple, build momentum, and keep your plan current as life changes.
One focused conversation to define what "good" looks like—for your life and your money. We explore your values and translate them into clear goals, understanding what matters most to you. We discuss your timeline and constraints around home, travel, and career decisions. We assess your risk comfort and decision-making style, then establish 90-day priorities and set a meeting cadence that works for you.
We set a clear order of operations so trade-offs are obvious and progress feels steady. We organize your goals into a clear timeline: Now focuses on building your emergency fund and optimizing cash flow. Next covers home and travel planning along with right-sizing your insurance coverage. Later addresses your retirement glidepath and legacy planning choices.
Plain-English review of accounts, cash flow, insurance, and investments to find risks, fees, and quick wins. We create a snapshot of your current financial picture: cash flow, emergency fund status, and investment allocation. We conduct a fee and risk check to ensure everything aligns with your goals. We identify quick wins like setting up auto-savings and tuning up your retirement contributions, then provide clear notes on what to address first.
The next right steps with why they matter and how to execute—simple and specific. We design your plan across three key areas: Protection includes liability coverage, life and disability insurance, and cash buffers. Savings addresses your near-term goals organized by timeline. Investments covers allocation strategy, cost optimization, and tax-aware placement of assets.
We put changes in place, automate where possible, and review on a set cadence so you stay on track. We help you implement changes and set up automation for savings and portfolio rebalancing where it makes sense. We schedule quarterly check-ins and are available on-demand after major life events. We conduct an annual plan refresh and tax review to ensure everything stays aligned with your evolving goals.
Founder
Born and raised in Fairbanks, Alaska, Sean A. Hummel, CFP®, grew up with a strategist's mind and a heart for service. A collegiate athlete and Eagle Scout, he learned early how to stay calm under pressure, lead with intention, and help others rise to their challenges. Those qualities ultimately drew him toward personal financial planning in college, where he realized his natural strengths in strategy and problem-solving could make a meaningful difference in people's lives.
Sean began his career with McKinley Capital Management in Anchorage and later joined Merrill Lynch, where he helped clients navigate their most important financial decisions. Over time, however, he saw the industry drifting away from authentic personal service. Determined to change that, he first launched Hummel Planning and later founded Ten Ring Wealth Advisors in 2025; an independent, flat-fee, fee-only firm built to restore transparency, precision, and unwavering client-first guidance.
Today, Sean leads Ten Ring with the same intentionality he brings to his life outside the office, where he and his wife, Aly (often with their golden-doodle Avicii in tow) travel the world, hike mountain ranges, scuba dive, ski, and explore new cultures. A passionate archer and lifelong adventurer, Sean channels that same focus and discipline into helping families achieve true financial sovereignty. At Ten Ring, his mission is simple: empower clients to live life on their terms, aim boldly at their goals, and hit the bullseye with confidence.
