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Where Your Retirement Plan Takes Shape

What We Do

Designing a retirement plan from the ground up can be difficult, but with our holistic approach, you can have confidence in the security of your financial future.

You deserve to work with a team who understands your values, respects your vision, and provides a clear plan to bring them to life. Let’s see how we do that for you.  

Services Offered

Financial Planning

Financial Planning is our foundational service. We follow the 7 Step Financial Planning Process from the CFPⓇ Board of Standards. For you, this means that our team focuses on providing comprehensive financial planning that aligns your goals and your lifestyle with your wealth.

We start by digging into your unique personal and financial circumstances. Our goal is to help you understand everything that’s going on in your financial life so that we can help you clarify your next steps. Together, we will identify your values, and select the goals that will be the most meaningful to you both now and in the future.

Once we have outlined your unique goals, the Step By Step team will analyze your current course of action, as well as potential alternatives. We’ll compile a number of recommendations based on where you are now, and where you want to go.

We’ll meet together to review these recommendations. Our job is to empower you to make financial decisions that help move you toward your ideal life. Once you’ve determined which recommendations feel right to you, we help you to implement your tailored financial planning strategy. We’ll meet regularly with you to monitor your progress, and update your plan as needed.

Why Financial Planning?

Financial planning offers numerous benefits and opportunities to use your wealth in a way that is true to you. Financial planning positively impacts your life in a number of ways. First and foremost, a comprehensive financial plan helps you to gain a full view of your financial life.

You have a better understanding of where you’ve been, where you are, and where you’re headed when your money is working toward your goals and values. You also gain answers to your most pressing financial questions, and the peace of mind knowing that your finances are aligned with what matters most to you. 

Finally, financial planning empowers you to make exceptional decisions about your money and your life moving forward. You’ll be able to sidestep financial anxiety, and choose how you want to leverage your wealth with confidence.

Investment Management

Our investment philosophy is based on low-cost, balanced risk, and long-term growth. This means you will see us recommend low-cost ETFs and mutual funds with the occasional individual bonds. Quality investment custodians are a top priority and we will recommend one of the following: Pershing or Betterment. There may also be instances where we recommend for you to keep your investments at your current custodian. We will provide you investment recommendations regardless of where the funds are held. 

Why Partner Your Investment Strategy With Us?

  1. Low investment fees
  2. Tax-efficient strategies including asset location and detailed tax documentation
  3. Enhanced risk optimization
  4. Simple account set-up and management
  5. Confidence as your account is examined by a Fiduciary 

Tax Planning and Preparation

Tax planning and Preparation is a crucial part of your financial health, so we offer this service to our ongoing financial planning clients at no additional charge. 

Why Tax Planning Benefits You

Tax planning may sound like something you do every April just to check it off the list. However, the truth is that careful tax planning touches every aspect of your financial plan: income, investments, charitable giving, and more.

A strong, proactive plan can save you thousands of dollars every year both now, and as you near retirement. The tax planning strategies we incorporate for our clients often saves them significantly more than the fee we charge. We take great pride in providing a service that a client can pay for by incorporating the advice we give.

We charge our clients an ongoing financial planning fee based on a simple and transparent calculation. Learn more about our fee structure here.