Who We Are

Our Team

Kevin Jacobs, CFP®, EA

Bio

Kevin Jacobs, the founder of Step By Step, has been a recognized CFP® practitioner since 2008 and has been in the financial services industry since 2005. As an Enrolled Agent (EA), Kevin is also licensed to practice before the IRS.

Prior to 2005, Kevin served as a youth director in Memphis, TN. Kevin and his wife, Donella, have eight children (6 boys and 2 girls).  They are active at their church and Kevin is also very involved in the community of Broken Arrow.

In all dealings with my clients, I pledge to be:

Holistic in outlook.

I will consider all of your circumstances, family needs, goals, values, and aspirations when making comprehensive planning recommendations.

Professional in conduct.

I will protect your privacy. I will strive to maintain the highest ethical standards possible in my work and life. I will continually enhance my skills and credentials through continuing education, and I will refer you to other professionals when you need help in an area outside my expertise.

Educational in nature.

I will guide you through your options and explain them clearly to help you make the best choices. I will always take the time to make sure you understand my advice.

Independent in compensation.

I will never sell you a product or service other than holistic financial planning, nor will I take a commission or a referral fee from another professional. You will receive objective, unbiased advice from me.

Committed to your success.

Holistic financial planning is a process, not an event, and I commit to adjusting your plan as your life goals change.

 

Ellen K. Cotter, MBA, EA, CFP®

Ellen Cotter is a Registered Investment Advisor in the State of Ohio and the owner and principal of Stratford & Company, LLC a Financial Life Planning firm that provides integrated personal financial management advice and services. Clients of Stratford & Company, LLC are serviced independently from Step By Step Financial.

Ellen has been providing support to Step By Step Financial and its clients since 2014. Ellen is a registered CFP®, and an EA (Enrolled Agent with the IRS). She is also member of the FPA (Financial Planning Association) and NATP (National Association of Tax Practitioners).

Our Network

 

If you need your whole financial life pulled together, a CERTIFIED FINANCIAL PLANNER™ professional is uniquely qualified to help. What separates a CFP® professional from other advisors is rigorous training and standards to offer you the best planning and advice. CFP® professionals are evaluated comprehensively in six specialty areas to provide a holistic approach to planning: retirement, estate planning, taxes, investments, budgeting and insurance. They are also bound by ethical standards to ensure that the financial planning advice they provide you—the client—and your goals and needs first.

 

 

 

An enrolled agent is a person who has earned the privilege of representing taxpayers before the Internal Revenue Service by either passing a three-part comprehensive IRS test covering individual and business tax returns, or through experience as a former IRS employee. Enrolled agent status is the highest credential the IRS awards. Individuals who obtain this elite status must adhere to ethical standards and complete 72 hours of continuing education courses every three years.

Enrolled agents, like attorneys and certified public accountants (CPAs), have unlimited practice rights. This means they are unrestricted as to which taxpayers they can represent, what types of tax matters they can handle, and which IRS offices they can represent clients before. Learn more about enrolled agents in Treasury Department Circular 230 (PDF).

 

The National Association of Personal Financial Advisors (NAPFA) is proud to have a membership of financial planning professionals who are committed to the highest of professional standards and principles. Members strive to be the:

  • Standard Bearer for the Profession
  • Champion for the Public
  • Beacon for Objective Financial Advice

 

The Alliance of Comprehensive Planners, a not-for-profit association of over 150 Certified Financial Planner and Personal Financial Specialist professionals, is a recognized leader within the financial planning world. They offer the training and communal support for advisors to establish and grow thriving, independent financial planning practices with resources equivalent to that of much larger organizations. As fee-only advisors, ACP planners abide by the highest fiduciary standards and act in their clients' best interests. View my pledge to clients.

 

Step by Step Financial is proud to be a Dimensional Fund Advisor. Dimensional Fund Advisors manage mutual funds for long-term investors. One of the cornerstones of their approach is a client base committed to their investments through all market cycles, both good and bad. Buy-and-hold investors enable Dimensional to keep turnover and transaction costs low, which adds to their bottom line.

DFA believes financial advisors play a vital role in educating investors about the financial science that drives their approach and in instilling the discipline required to benefit from it. As a result, Dimensional does not offer funds directly to individual investors. Instead, they make their funds available through a select group of fee-only advisors, such as Step by Step Financial.
 

 

The Broken Arrow Area Chamber of Commerce is organized to achieve the objectives of:
1) Promoting economic development; 2) Providing advocacy; 3) Supporting the area’s educational institutions; 4) Promoting and supporting quality of life. 

 

 

 

Fee-Only Advisors

Alabama

Personal Financial Advisors, NAPFA, fee-only planners in Covington, LA and Tuscaloosa, AL
Personal Financial Advisors is a comprehensive, fee-only financial planning firm in Covington, LA and Tuscaloosa, AL.  NAPFA members Robert Reed, CFP ™, Joan Cox, CFP ™ and Lauren Lindsay, CFP ™ have over six decades of combined financial planning experience.   We also serve clients on the Northshore, New Orleans, Baton Rouge, and Birmingham areas.

Alaska

Arizona

Tucson Fee Only Financial Planners specializing in Socially Responsible Investing
Financial Services include: asset management, wealth management, retirement planning, estate planning, taxes, debt reduction, insurance, and investment advice.

Arkansas

California

Reh Wealth Advisors LLC
Reh Wealth Advisors LLC and Investwithsteve.com is a fee only firm founded by Stephen Reh CFA, MBA, CFP® to help business owners, corporate executives, retirees, and families reach their financial goals. Steve is local to the San Gabriel Valley serving La Verne, San Dimas, Claremont, and Glendora.

Colorado

Fee-Only Investment Advisor and Certified Financial Planner in Littleton, Aurora, Denver, Colorado
Staib Financial Planning is a Fee Only Personal Financial Planning and Investment Asset Management firm providing independent personal financial advice. Our financial advisors provide comprehensive personal financial planning services, including: money management, retirement planning, investment management, income tax planning, college savings, and estate planning.

Connecticut

Delaware

Florida

Georgia

Hawaii

Idaho

Illinois

Timothy Quinn, CFP®, founder of the fee-only Quinn Financial Planning, LLC
Quinn is a Registered Investment Advisor, holds a CFP®, CPA, and Master’s Degree in Taxation and has practiced for the past 27 years in the Chicagoland area.

Johnston Investment Counsel
Financial lives are complicated. JIC seeks to reduce financial stress so clients can focus on more important activities. JIC combines an integrated/comprehensive financial planning approach with a 100% independent and fee-only organization that is a member of NAPFA. We hold the leading industry designations and have 25+ years of experience. With Caterpillar in our home town, we serve client in Peoria, Illinois, central Illinois, nationally, and internationally.

Indiana

Iowa

Kansas

Kentucky

Louisiana

Personal Financial Advisors, NAPFA, fee-only planners in Covington, LA and Tuscaloosa, AL

Personal Financial Advisors is a comprehensive, fee-only financial planning firm in Covington, LA and Tuscaloosa, AL.  NAPFA members Robert Reed, CFP ™, Joan Cox, CFP ™ and Lauren Lindsay, CFP ™ have over six decades of combined financial planning experience.   We also serve clients on the Northshore, New Orleans, Baton Rouge, and Birmingham areas.

Maine

Maryland

Massachusetts

Michigan

CFPCPA Fee Only Financial Advisor Wealth Management Michigan
George Papadopoulos is a Fee-Only Certified Financial Planner CFP and CPA PFS tax expert providing completely independent wealth management services to select high net worth individuals. NAPFA member.

Minnesota

Phillip James Financial Advisors
We are an independent financial advice company working out of Maple Grove and Plymouth Minnesota. We serve the Minneapolis area with fee-only comprehensive planning and investment management services. Phillip Christenson is the owner and financial advisor you can go here for more information or to schedule a meeting.

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

Financial Advisors in Monmouth County, NJ, Financial Advisors in Ocean County, NJ, Jersey Shore, Fee-Only Financial Planner in Central New Jersey – Financial Futures LLC

Portnoff Financial LLC is an independent Fee-for-Service Registered Investment Advisor with offices in Middlesex County New Jersey and Orange County California
Portnoff Financial LLC offers Comprehensive Financial Planning and Investment Management services to individuals and families who value independent and professional financial advice

Jersey Shore Financial Advisors, LLC specializes in integrated financial planning and investment supervision for professionals contemplating retirement within the next 10 years
Tom Duffy is a NAPFA-Registered Financial Advisor, earning the CERTIFIED FINANCIAL PLANNER™ designation in 1994.  Tom is the owner of Jersey Shore Financial Advisors, a Fee-Only Financial Planning company serving all of New Jersey with principal offices located in Tinton Falls.

New Mexico

New York

Landmark Wealth Management, LLC is an independent firm, registered with NAPFA as a Fee Only financial advisor, with an office in Melville on Long Island, and in Brooklyn, New York
The mission of the firm is to provide comprehensive financial planning and investment management services to individuals, families, small business owners, and charitable foundations. The firm's principals are JOSEPH M. FAVORITO, CFP®, CHRISTOPHER N. CONGEMA, CFP® and BRIAN R. COHEN.

North Carolina

Charlotte NAPFA Registered Fee Only – Alpha Financial Advisors
Alpha Financial Advisors is a fee-only financial planning and investment advisory firm based in Charlotte, North Carolina. As comprehensive financial planners, we offer a broad array of planning services that will help you achieve your goals.

Financial Advisors focused on in-depth Financial Planning and intelligent Investment Management in North Carolina
Its focus makes Clearview Wealth Management the smart choice for clients.  Our team of CFP® certificants care for generations of families in an unbiased manner that helps them reach their financial goals.  We believe proactive conversations can help to more effectively plan for and achieve client’s desired futures.

North Dakota

Ohio

Fee Only Financial Advisors in Ohio - rebel Financial
rebel Financial is a Registered Investment Advisor that provides retirement planning, estate planning, financial planning and investment management services to its individual and institutional clients. Founded in 2013 by W Phil Ratcliff, rebel Financial is an Independent Fee-Only firm in Columbus, OH that is that is a fiduciary dedicated to serving the best interests of its clients 1st.

JGR Financial Solutions. Ohio Fee Only Financial Planning and Asset Management
Justin Rush, a CFP practitioner and member of NAPFA, serves professionals, executives, and educators throughout the country and Northeast Ohio, including the Canton, North Canton, Akron, Cleveland, and Youngstown areas.

Total Wealth Planning is an independent, fee-only wealth management firm in Cincinnati, Ohio
Total Wealth Planning is an independent, fee-only wealth management firm in Cincinnati, Ohio Provides objective guidance to clients on their financial concerns, as well as solutions to reach their lifetime goals using a comprehensive wealth planning approach tailored to multi-generational families, business owners and corporate executives.

Oklahoma

Oregon

Pennsylvania

Independent Financial Advisor who provides Fee-Only financial planning services and investment management in Newtown, PA
Michael J. Garry, CFP®, JD/MBA, owner of Yardley Wealth Management, LLC

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Greater Dallas Area Christian Financial Planner
Frisco Financial Planning LLC is a financial planning firm and registered Investment Adviser located in Frisco, Texas. Offering objective financial planning and investment strategies on a fee-only basis from a Christian Worldview perspective. Serving Frisco, McKinney, Allen, Dallas, Fort Worth, Texas, and clients Nationwide since 2004.

 

Financial Planning for young professionals in Texas
Trinity Wealth Management clients benefit from Brent's knowledge of issues that trouble many who populate the Gen X and Gen Y communities. He also extends his passion for charitable estate planning to those who desire to leave a lasting legacy. Brent's goal as a financial planner is to help his clients plan for a better tomorrow.

Utah

Vermont

Virginia

Washington

Financial Planning and Investment Management.  Seattle, Redmond, Bellevue, Kirkland, Woodinville, WA
Sherwood Investment Services has helped families for 20 years reach their financial goals.  They provide fee-only financial planning and investment management with no commissions.  They specialize in retirement planning.

Washington Fee-Only CERTIFIED FINANCIAL PLANNER – CFP Certificant, Investment & Financial Advisor Seattle-Tacoma-Olympia, Washington
 Commencement Financial Planning, LLC offers comprehensive fee-only financial planning and portfolio management services to individuals and families in and around Seattle-Tacoma-Olympia, Washington.

West Virginia

Wisconsin

Wyoming