Ryan Sullivan, PE - Financial & Business Planner

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Ryan Sullivan, PE - Financial & Business Planner I Craft Personalized Wealth Blueprints for Architects and Engineers | Engineer Turned Financial Planner

Billing hourly will destroy your business in the age of AI.Think about the incentive you’re creating.You invest in AI.Yo...
10/15/2026

Billing hourly will destroy your business in the age of AI.

Think about the incentive you’re creating.

You invest in AI.
You build better systems.
Your team gets more efficient.

Something that used to take 10 hours now takes 5.

Congratulations.

You just cut your revenue in half.

That’s the fundamental problem with selling hours: you get paid more for taking longer.

For decades, architecture and engineering firms could mostly get away with this because productivity changed slowly.

AI changes that.

We are entering a period where the amount of work one person can produce could increase dramatically.

But if your revenue is still tied to the number of hours it takes to produce that work, you don’t capture the productivity gain.

Your client does.

Imagine a project that historically required 1,000 hours.

At $175/hour, that’s $175,000 of revenue.

Now imagine AI, automation, better BIM workflows, and improved systems allow your team to deliver the exact same, or better, outcome in 700 hours.

Under hourly billing?

Revenue falls to $122,500.

You became 30% more productive and got rewarded with 30% less revenue.

That’s insane.

Now imagine you sold the project for $175,000 based on the value of the outcome.

You still deliver it in 700 hours.

Except now the productivity gain belongs to the firm.

Revenue per employee increases.
Profit per employee increases.
Capacity increases.

Your people can create more value without working more hours.

That is what AI should do for an A/E firm.

The firms that win in the age of AI won’t necessarily be the ones that adopt AI fastest.

They’ll be the ones that figure out how to capture the value AI creates.

If you continue selling hours, every productivity improvement becomes a revenue reduction.

Stop selling time.

Start selling value.

I had a college roommate who was an architect.I dated an architect.I worked at an architecture (and engineering) firm.I ...
09/22/2026

I had a college roommate who was an architect.

I dated an architect.

I worked at an architecture (and engineering) firm.

I worked alongside architects as an engineer.

A lot of my clients are architects.

But I had never actually been through the architectural process.

Until now.

And going through that process as a client, confirmed something I have been telling my architecture clients for a while.

Architects talk too much about drawings and the standard architectural process.

Before we started, I thought I knew exactly what I wanted.

I had a 6-phase construction plan.
I had sketched an initial floor plan.
I had spent a lot of time thinking through the project and consulted with another architect and a contractor.
I had already paid to have the house 3D laser scanned and an as-built Revit model created.
I was prepared.

Or so I thought.

The architect's greatest value hasn't been in turning my ideas into drawings.

It has been challenging my assumptions.
Pushing me to explain what we actually want.
Pointing out conflicts we hadn't considered.
Helping prioritize competing goals.
And bringing a hundred different decisions together into a space that actually works.

That's the value.

The drawings are just the deliverable that caputures what comes out on the other side.

Yet when I see how so many architecture firms describe what they do, they don't talk about that.

They talk about:
Schematic Design
Design Development
Construction Drawings
Construction Administration

From the client perspective?

Who cares.

I don't want architectural drawings.

I want a house that works incredibly well for the way we want to live.

The architect helps me figure out what that is and how to get there.

That is an incredibly valuable service.

And architects should talk about that more.

P.S. Do you prefer option 1 or 2?

I thought I was going to stay a solopreneur...Apparently, I don't have it in me.All I ever wanted was freedom.Freedom of...
09/21/2026

I thought I was going to stay a solopreneur...

Apparently, I don't have it in me.

All I ever wanted was freedom.

Freedom of time.
Freedom of income.
Freedom to do what I wanted when I wanted.

Having achieved that, it is fantastic.

Highly recommend.

But I have realized that I just can't stop.

I want to see how far I can take this.

And from the beginning, the bigger goal was not about just creating freedom for myself.

It was helping others create their own.

So instead of slowing down, I am doubling down.

With the combination of Off the Beaten Path Financial and Off the Beaten Path Advisors, I believe we are building something special.

A unique way to help AEC firm owners build stronger businesses, more wealth, and ultimately greater freedom in their lives.

I am excited about what we're building and the impact it will have.

And even more excited about who it can help.

09/14/2026

If you're 52 with $2,000,000 invested...

A 30% market drop isn't just a $600,000 loss.

It can mean working another three to five years.

You can recover money, but you can't recover time.

And that's the problem with getting closer to retirement.

You still need growth, but you can't afford to take unnecessary risk.

I don't think the answer is simply moving everything into bonds or cash and becoming overly conservative.

I believe your portfolio should be able to adapt more aggressive when conditions support it, more defensive when they don't.

If you're an architect or engineer approaching retirement, I recorded video explaining how I help my clients make that transition.

Click below to watch.

🚨ANNOUNCEMENT🚨I am excited to officially announce the launch of Off the Beaten Path Advisors!When I started Off the Beat...
09/08/2026

🚨ANNOUNCEMENT🚨

I am excited to officially announce the launch of Off the Beaten Path Advisors!

When I started Off the Beaten Path Financial, the goal was clear:

Help architects and engineers build a life of freedom.

What I quickly realized was that for many firm owners, their business was both the vehicle to create that freedom...

and the thing getting in the way of it.

So I started leaning on my own experience building and running an engineering department to help clients improve their biggest asset.

✅ Profitability
✅ Cash Flow
✅ Pricing
✅ Financial Management
✅ Team Structure
✅ Exit Planning

Over time that work became a major part of how I help my clients.

It became clear that it deserved its own home.

So I created, Off the Beaten Path Advisors.

The goal is to help firm owners build a business that:

✅ Is more profitable
✅ Pays you well
✅ Creates predicatable cash flow
✅ Gives you more time and flexibility
✅ Builds value beyond just your own labor
✅ Creates more options for the future

I'm also excited to have Kimberly Galio joining me to provide bookkeeping services and back office support.

Our core focus is on:
✅ Strategic Advisory
✅ Exit Planning
✅ Bookkeeping
✅ Financial Management

As we grow, the goal is to continue systematizing and improving our process so clients can get better results, faster, with less friction.

Off the Beaten Path Financial will continue to focus on personal wealth and investment management.

Off the Beaten Path Advisors will focus on helping firm owners build the engine to create wealth and freedom.

Same mission.

More focused approach.

More ways to help architects and engineers build a life with No Limits.

Most firms don’t have a marketing problem. They have a positioning problem. I was working with an architecture firm owne...
09/04/2026

Most firms don’t have a marketing problem.

They have a positioning problem.

I was working with an architecture firm owner recently who was struggling to answer a pretty basic question:

“What are you actually best at?”

At first, the answers sounded like what you hear from almost every firm:

• Quality design
• Great service
• Strong relationships
• Construction knowledge
• Fair pricing

All true.

None of it particularly useful.

So we kept digging.

❓What does “quality design” actually mean?
❓What happens because you understand construction better?
❓Where have your projects created more value than someone else’s might have?
❓Which clients care the most about that?

And eventually, the picture became much clearer.

His real advantage wasn’t simply designing homes.

It was combining design, construction knowledge, cost awareness, and development experience to help investors create more value from a property.

That led us to a much more specific target client,

a much more valuable problem to solve,

and a much clearer way to talk about the business.

That’s the part I think a lot of A/E firms miss.

Specialization isn’t about deciding:

“We only design breweries.”

OR

“We only work with healthcare clients.”

The better question is:

Where does our accumulated experience allow us to create disproportionate value?

Then figure out:

❓Who values that the most?
❓What problem are they trying to solve?
❓And how should the business be built around it?

Your specialization is often already hiding inside the work you’re doing.

You just have to uncover it.

Most firm owners want to know: "What's my business worth?But the better question is:"Why is it worth that?"Two firms can...
09/01/2026

Most firm owners want to know:

"What's my business worth?

But the better question is:

"Why is it worth that?"

Two firms can have the same revenue and completely different values.

One might have:
✅ Strong consistent margins
✅ Diversified clients
✅ Predictable backlog
✅ Capable leadership team
✅ Clean financials
✅ Low dependence on the owner

While another might have:
❌ Owner driving every client relationship
❌ A few clients making up the majority of revenue
❌ Inconsistent profitability
❌ Weak systems
❌ Limited management depth
❌ No obvious succession plan

Same revenue.
Very different business.
Very different value.

That's why I think valuation work is most useful years before you sell, not when you are ready to sell.

Because once you understand what is actually driving value, what is supressing it, you can start changing it.

You can:
📈 Reduce owner depedence
📈 Improve margins
📈 Build leadership depth
📈 Diversify clients
📈 Create more predictable revenue
📈 Strengthen systems
📈 Clean up the financials

And suddenly valuation becomes more than a number.

It becomes a business improvement tool.

A valuation should be a roadmap for increasing value, not just a price tag.

The goal isn't just to know what your firm is worth today.

The goal is to know what would make it worth substantially more 3-years from now.

A 30% market decline when you're 35 is frustrating.A 30% market decline when you're 52 and hoping to retire at 58 is som...
08/26/2026

A 30% market decline when you're 35 is frustrating.

A 30% market decline when you're 52 and hoping to retire at 58 is something else entirely.

It's not just a money problem.

It's really a time problem.

Imagine you have built a $2M portfolio.

The market drops 30%.

Now you have $1.4M.

The conventional response is:

"Don't worry. The market will recover. Just stay the course."

And historically speaking, it probably will recover.

But that's not really the question anymore.

The question is: How long will it take to recover?

Because if you were planning to retire in six years, waiting several years for your portfolio to recover could materially change that plan.

58 becomes 60.
Or 62.
Or maybe later.

That's the part that gets missed when people talk about "just staying the course".

When your young, time is your biggest advantage.

As retiremement gets closer, time becomes your biggest constraint.

But I also don't think that just moving your portfolio to a higher concentration of bonds or cash is the answer.

You still need your portfolio to grow for another 20, 30, 40+ years.

So the goal changes.

It's not just "Grow the money".

It beomes: "Grow the money + protect the timeline".

That means being more intentional about the amount of risk you are taking and whether that level of risk makes sense for the environment you are investing in.

You can recover money.

You can't recover time.



Disclaimer: Not investment advice. Information provided for general education purposes only.

Retirement is the wrong goal.At least for most people.The traditional version of retirement says:❌ Work hard for 30-40 y...
08/24/2026

Retirement is the wrong goal.

At least for most people.

The traditional version of retirement says:
❌ Work hard for 30-40 years
❌ Save as much as you can
❌ Hope you have enough

Then someday, stop working and finally enjoy your life.

That never made much sense to me.

Why wait until 65 to create freedom?

What if the real goal was not reitrement, but optionality?

✅ The ability to work because you want to
✅ The ability to take time off when you want to
✅ The ability to change careers
✅ The ability to step back from your business
✅ The ability to travel more
✅ The ability to say no
✅ The ability to design your life around what actually matters to you

This requires a different way of thinking about money.

Not just, "how much do I need to retire?"

But, "how much do I need to create more freedom now?"

That is the idea behind my guide, 𝘙𝘦𝘵𝘪𝘳𝘦𝘮𝘦𝘯𝘵 𝘪𝘴 𝘵𝘩𝘦 𝘞𝘳𝘰𝘯𝘨 𝘎𝘰𝘢𝘭.

It's about shifting from a retirement-first mindset to a freedom-first mindset.

The goal should not be to endure your life until some future life.

The goal should be to build enough financial strength that you gain more control over your life every year.

That is a better target.

And, in my opinion, a much better way to use your money.

Message me "Options" and I will share the guide.

A client of mine just paid off all of her consumer debt.• Personal credit cards• Business credit cards• Vehicle loan• Pe...
08/20/2026

A client of mine just paid off all of her consumer debt.

• Personal credit cards
• Business credit cards
• Vehicle loan
• Personal loan she had taken out to cover past credit card debt

Eight months ago, things looked very different.

❌ Her business was bouncing between $15,000-30,000/month in revenue
❌ She didn't have predictable income for herself
❌ And she had racked up a signficant amount of debt

She felt like she was in a hole that was going to take decades to recover from.

Fast forward 8 months.

✅ Her business is now doing over $100,000/month in revenue
✅ She has a consistent (increasing) personal income
✅ And each month she has tens of thousands of dollars extra to allocate to paying down debt, building cash reserves up, investing, etc.

That transformation is why I love working with business owners.

Your business is a potential gold mine.

But only when it is actually designed to produce profit, income, and options for you.

A lot of firm owners are working incredibly hard inside businesses that aren't giving enough back.

The answer is not more hours.

✅ It is better focus
✅ Better pricing
✅ Better clients
✅ Better systems
✅ Better decisions about where your time and money go

When those things start working together, the trajectory can change very quickly.

Imagine going from feeling trapped by debt,

to having the ability to decide where tens of thousands of dollars go every month.

That is what financial progress should feel like.

Not just more revenue.

🦅 More control.
🦅 More stability.
🦅 More options.

That is the goal.

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Bozeman, MT
59715

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