Who We Are
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.
"XY Planning Network is the leading organization of fee-only financial advisors who specialize in helping members of Gen X and Gen Y. Our advisors stand out from the rest of the financial planning industry because of the way they put their clients first:
- They offer virtual services so you can connect with your ideal advisor, regardless of physical location.
- They provide a fee structure that makes sense for most members of Gen X and Gen Y. Our advisors offer a flat (and affordable) monthly fee just like any other bill. They do not charge commissions.
- They're all sworn fiduciaries who uphold a fiduciary oath to always work in their clients' best interests.
XY Planning Network advisors are also financial-planning focused, meaning all our members offer comprehensive financial planning services for consumers. We go far beyond just investment management. We’re not your parents’ financial advisors. But we are here to help you live your great life." --From the XYPN About Us