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Ryan Sullivan, PE - Financial & Business Planner, Bozeman, MT (2026)

07/14/2026

Those who don't talk about money don't make it.

At least not nearly as much as they could.

Money is one of the most important forces in our lives.

💰 It determines where we live.
💰 What opportunities we can pursue.
💰 How much risk we can take.
💰 How much freedom we have.

And yet most people are uncomfortable talking about it.

❌ They don't talk about compensation.
❌ They don't talk about pricing.
❌ They don't talk about profit.
❌ They don't talk about investing.
❌ They don't talk about what they actually want their money to do.

So they stay in the dark.

Silence does not protect you.

It keeps you uninformed.

The people who build wealth talk about money.

✅ They ask questions.
✅ They compare ideas.
✅ They learn how businesses make money.
✅ They understand where their own money is going.
✅ They discuss opporunities, risks, taxes, investments, and tradeoffs.

Not because money is the only thing that matters.

But because it affects almost everything that does.

The more clearly you can talk about money, the more intentionally you can manage it.

And what gets discussed gets understood.

And what gets understood gets improved.

Those who refuse to talk about money usually stay confused by it.

Those who learn to talk about it give themselves a much better chance of making it.

Which will you be?

07/13/2026

Last week I turned 35.

And now I am closer to 40 than 30... 😬

It feels strange to say, but I'm not scared of getting older.

I'm excited by it.

With age comes wisdom.
Perspective.
Better judgement.

A clearer understanding of who you are, what matters, and what you are capable of.

When I step back and think about all the things I have been able to accomplish by 35, it kind of blows my mind.

✅ I became an engineer.
✅ Started and built an engineering department from the ground up.
✅ Bought our dream property.
✅ Started my business on the side.
✅ Left engineering and went full time in the financial world.
✅ Built a life with ultimate freedom and flexibility.

And most importantly, found work that allows me to make a real impact on the lives of other people.

None of it happened overnight.

It came from years of small decisions, uncomfortable risks, mistakes, persistence, and continuing to move forward even when I didn't have it all figured out.

And that is what excites me most.

📈 Experience compounds.
📈 Knowledge compounds.
📈 Confidence compounds.
📈 Relationships compound.

The person I am today is capable of things the 25 year old version of me could not even imagine.

So when I think about the next 5, 10, 20, 30 years of learning, building, and becoming better...

the trajectory is almost impossible to comprehend.

I have always known that I wanted to do something meaningful.

To become great at what I do.
To build a life that feels fully lived.
To have an impact.

And the feedback I receive from my clients tells me I am moving in the right direction.

Not finished.
Not even close.

At 35, I don't feel like I am running out of time, I feel like I finally understand how much time, and potential, I still have.

I am just getting started.

07/03/2026

Stop doing small things.

I see it all the time with firm owners.

They are incredibly busy.

And yet...

❌ They aren't making the money they want
❌ They aren't building wealth
❌ They aren't creating freedom

Why?

Because they are spending too much time and energy on small things.

Small projects.
Small fees.
Small clients.
Small decisions.
Small fires.
Small tasks that keep them busy but don't really move the business forward.

The problem is not a lack of effort (a lot of architecture and engineering firm owners are some of the hardest working people I know).

It is a lack of leverage.

At some point, working harder stops being the answer.

You have to think bigger.

✅ Bigger clients.
✅ Bigger opportunities.
✅ Bigger margins.
✅ Bigger systems.
✅ Bigger vision for what the business is actually supposed to create.

Because when you keep doing small things, you stay trapped with small results.

The goal is not to be busy.

The goal is to focus your efforts into the couple big things that actually change the trajectory of your business and your life.

Stop filling your days with things that make you feel productive.

Start focusing on the things that move you closer to freedom.

07/02/2026

A lifeguard at the Olympics technically has a job.

But let’s be honest…

How much are they really doing?

That is how I feel when financial advisors charge 1% or more to put clients into a basic passive portfolio and call it a day.

A few low-cost index funds.

A rebalance here and there (maybe).

And somehow that becomes a full advisory fee.

To be clear, I am not against index funds.

And passive investing has its place.

For a lot of architects and engineers, that consistency, patience, and compounding can work well over a long period of time.

But if that is all you are getting, what are you paying your advisor for?

As a former Engineer turned Financial Advisor, I built my Dynamic Investing approach around the same mindset I developed from engineering.
• Follow a process
• Analyze risk
• Stay disciplined
• Adapt when conditions change
• Design around the actual goal

Dynamic Investing is about helping protect what you have worked so hard to build.

Because when retirement is getting closer, “ride it out and hope for the best” is not much of a strategy.

Comment “Dynamic” and I’ll send you my Dynamic Investing Guide.

Not investment advice. Information provided for general education only.

07/01/2026

Bachelor party showed up this morning.

That is a lot of horns!

It made me think about competition.

Right now these bucks are pretty friendly.

But in a couple months, that changes.

They will be competing for position.
Testing each other.
Trying to establish dominance.

Nature works that way.
Business does too.

Every year new players show up.

Hungry.
Confident.
Trying to make a name for themselves.

A lot of architecture and engineering firm owners get comfortable because things have "worked" for a long time.

Same clients.
Same referrals.
Same reputation.
Same way of doing business.

But market's don't stay still.

New firms show up.
New talent leaves and starts competing.
New technology changes expectations.
New competitors price differently, market differently, and move faster.

So whether you are the establish firm trying to stop on top...

or the younger firm trying to break through...

the next generation of competition is always coming.

The question is not whether the market will change.

It will.

The question is whether your firm is getting stronger before it's too late.

06/30/2026

This is freedom to me, as a former Engineer turned Financial Advisor.

For years, I listened to people tell me to:
“Stay invested”
“Be patient”

That is what the financial industry wants you to do by investing in simple index funds while charging you fees for doing very little.

On paper, everything looked great.

But I didn’t want my money sitting there… waiting 20 or 30 years to maybe get the outcome I wanted.

I wanted it to actually work for me.

So I took a different approach.

I went and became a Financial Advisor.

And over the last 6 years, I have developed my Dynamic Investing approach.

A strategy built around adjusting to market conditions… not just sitting and hoping over time.

Being aggressive when it makes sense.
More defensive when it doesn’t.

Not all in. Not all out.

If you want to see how Dynamic Investing approach works, message me “Dynamic” and I’ll send you the playbook.

Not investment advice. Information provided for general education only.

06/26/2026

Sometimes the most valuable advice is not complicated.

In a recent business planning meeting, we talked through a simple operational change.

Not a full rebrand.
Not an expensive new hire.
Not a complicated 47-step strategic plan.

Just reshuffling the arrangement of their office.

Something they could start implementing the following day.

People often struggle to put what I do in a box.

Fractional CFO?
Business advisor?
Life coach?
Financial advisor?
Executive coach?

The way I see it, I have one job:

Help you make meaningful progress toward the life and business you actually want.

I don't care about the label.
I'm not attached to one specific method.
And I'm not interested in complexity for the sake of complexity.

I want to find the simplest, most effective and practical path to get you from where you are now to where you want to go.

Sometimes that means digging into the numbers.
Sometimes that means rethinking your business model.
And sometimes that might be as simple as moving a few desks around.

My goal is simple:

Make working with me feel like one of the best investments you make in your business.

06/25/2026

Billionaires (and trillionaires) pay taxes.

A lot of taxes.

What's different about them versus you is that they own a lot more in assets.

Taxes are primarily based on income.

Wages.
Salary.
Business profit.
Realized gains.
Distributions.

But "wealth" is not the same thing as income.

Wealth is the estimated current value of assets.

Businesses.
Real estate.
Investment portfolio.
Insurance.
Debt.
Equity.

It is not the same as cash sitting in a checking account.

In order to directly use that wealth, assets usually have to be sold.

And when a large amount of an asset is sold, that can drive down the price, create taxes, and reduce the value of what is still owned.

That's one of the biggest differences between higher earners and truly wealthy people.

High earners live on income.
Wealthy people live off their assets.

There are strategies to access cash from these assets that are more tax efficient than simply earning income.

That does not mean "tax-free".
That does not mean there are no rules.
And it definitely does not mean that taxes disappear.

But it does mean that how you access cash matters.

The reason this is easier for a billionaire is simple:
They own a massive amount of assets relative to what they need to live.

If you have $1B and need $2M/year to support your lifestyle, that is only 0.2% of your wealth.
If you have $2M and need $200,000/year, that is 10% of your wealth.

That is a 50x difference percentage-wise for a 10x difference in lifestyle spending.

The higher the percentage of your wealth you need as income, the harder it is to avoid taxable income.

That is why building assets matters so much.

Many of the same strategies billionaires use are available to you.

There isn't some special tax code that applies over a certain level.

The difference is that the strategies become much more powerful when you have the asset base to support your lifestyle.

Income pays the bills.
But assets create leverage.

And tax strategy becomes much more powerful when you have assets to work with.

That is the real game.

Not avoiding taxes.

But building wealth in a way that gives you more control over how, when, and where your income shows up.

06/24/2026

The biggest struggle I’m seeing with architecture and engineering firm owners right now is not a lack of effort.

It’s a lack of focus.

Most of them are working incredibly hard.

Too hard, honestly.

🙈 They are buried in projects.
🙈 Answering client emails.
🙈 Managing staff.
🙈 Reviewing drawings.
🙈 Chasing proposals.
🙈 Putting out fires.
🙈 Trying to keep everything moving.

From the outside, it looks like momentum.

But when you look under the hood, the business often isn’t making nearly as much money as it should.

And the owner definitely isn’t building wealth the way they should.

That’s the part that gets missed.

A firm can be busy and still be underperforming.
A firm owner can be successful and still feel financially stuck.
A team can be overloaded and still not be profitable.

The A/E industry has a deeply ingrained “just work harder” mentality.

❌ More hours.
❌ More projects.
❌ More proposals.
❌ More clients.
❌ More complexity.

But more is not always the answer.

In fact, more is often the problem.

❌ More low-margin projects.
❌ More unfocused clients.
❌ More unpaid proposal work.
❌ More custom everything.
❌ More owner dependency.
❌ More chaos disguised as opportunity.

The firms that make the biggest leap are usually not the ones that simply do more.

They are the ones that get brutally focused.

Focused on the right clients.
✅ The right projects.
✅ The right pricing.
✅ The right team.
✅ The right systems.
✅ The right financial targets.
✅ The right role for the owner.

That’s where profitability changes.

That’s where the owner’s income changes.

That’s where personal wealth starts to build.

And that’s where the business starts creating options instead of consuming every ounce of energy the owner has.

A lot of firm owners don’t need to work harder.

They need to stop spreading their time, talent, and attention across work that does not actually move them forward.

✅ Focus is what creates profit.
✅ Profit is what creates wealth.
✅ And wealth is what creates options.

Busy is not the goal.

Freedom is.

06/22/2026

"𝘌𝘹𝘦𝘤𝘶𝘴𝘦 𝘮𝘦 𝘣𝘶𝘵 𝘶𝘩𝘩... 𝘵𝘩𝘦𝘳𝘦 𝘪𝘴 𝘢 𝘥𝘦𝘦𝘳 𝘴𝘵𝘢𝘯𝘥𝘪𝘯𝘨 𝘰𝘯 𝘮𝘺 𝘳𝘰𝘰𝘧."

A completely real sentence I said in the middle of a meeting the other day.

I was sitting at my desk, in a meeting, trying to be professional, but there really is no good way to say:

"𝘚𝘰𝘳𝘳𝘺, 𝘤𝘢𝘯 𝘺𝘰𝘶 𝘳𝘦𝘱𝘦𝘢𝘵 𝘵𝘩𝘢𝘵? 𝘐 𝘨𝘰𝘵 𝘥𝘪𝘴𝘵𝘳𝘢𝘤𝘵𝘦𝘥 𝘣𝘦𝘤𝘢𝘶𝘴𝘦 𝘢 𝘥𝘦𝘦𝘳 𝘪𝘴 𝘴𝘵𝘢𝘯𝘥𝘪𝘯𝘨 𝘰𝘯 𝘮𝘺 𝘳𝘰𝘰𝘧."

I have no idea what what she was thinking but I like to think it was something like:

"𝘏𝘰𝘯𝘦𝘴𝘵𝘭𝘺, 𝘵𝘩𝘦 𝘷𝘪𝘦𝘸 𝘧𝘳𝘰𝘮 𝘙𝘺𝘢𝘯'𝘴 𝘰𝘧𝘧𝘪𝘤𝘦 𝘪𝘴 𝘱𝘳𝘦𝘵𝘵𝘺 𝘴𝘰𝘭𝘪𝘥. 𝘐 𝘨𝘦𝘵 𝘪𝘵."

I'm starting to think my office has become less "remote work setup" and more "wildlife observation deck".

Working from home in Montana is never boring.

Ryan Sullivan, PE - Financial & Business Planner

07/14/2026

07/13/2026

07/03/2026

07/02/2026

07/01/2026

06/30/2026

06/26/2026

06/25/2026

06/24/2026

06/22/2026

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