Holistic Financial Planning Services

At Stepping Stone Financial, we understand the complexities of your personal finances, but we excel at building simple solutions to help you reach your goals through a holistic financial strategy. Our strategy involves three main elements:

• Saving enough money to pursue your financial goals and retire
• Replacing your income once you retire
• Leaving a legacy and providing protection for your family

Using a wide range of products and services from some of the most highly-regarded companies in the industry, Stepping Stone Financial helps provide holistic wealth management solutions that cover all the aspects of your financial life, from tax planning so you can keep more of what you earn, to planning and investing to grow your wealth. Read on to learn more about our services.

The financial planners at Stepping Stone Financial specialize in diving deep to help you uncover and clarify your goals for the short, intermediate, and long term. Based on a strong understanding of your complex needs, we’ll help you weave together a simple plan that helps put you on a firm financial foundation and which incorporates all of your goals, regardless of their timelines. Beyond developing a personalized plan, we’ll also check in with you regularly to make sure your plan reflects the latest changes in your life. Finally, we’ll monitor your progress, making adjustments along the way to help keep you on a course toward your goals.

While financial planning can help you develop a strategy and a plan to pursue your goals, tax planning goes a step further, helping you potentially keep more of what you earn. Through a careful analysis of your tax situation, Stepping Stone’s tax planning specialists will recommend the most appropriate tax strategies for your situation. Beyond simply planning your tax strategy, we take a hands-on approach to help maximize results. We’ll work closely with your tax preparer to help ensure the proper implementation of your carefully laid tax plans. As your circumstances change over time, we’ll also reevaluate and update your tax plan as often as needed.

Planning for your retirement can feel overwhelming and complicated, with so many questions and variables to consider. Should you pay off your mortgage before you retire? How should you take your pension distribution? How much will you really need in retirement? Do you have enough to retire now? Stepping Stone’s retirement planning specialists know how to help simplify the complexities of planning for retirement. Through a step-by-step process, we’ll help you create a truly comprehensive retirement plan, guiding you to the right questions and the best-fit solutions. We’re here to help you pave the path forward to your retirement goals.

At Stepping Stone Financial, we prioritize relationships with our clients so we can bring you better service, in every area, but especially when it comes to developing your investment plan. We’ll work closely with you to identify the most appropriate investment vehicles to suit your specific goals and timelines, including 401 (k) and 403 (b) plans, 529 (college savings) plans, bonds, common stock, and government securities, brokerage accounts and many more. Our powerful partners at Cetera Financial Group provide us with state-of-the-art tools, technology, and the latest market research, all of which we leverage to help position you to pursue your investment goals.

Having appropriate insurance coverage for every stage of your life and the financial journey is an integral part of any comprehensive financial plan. With proper insurance coverage, you can help protect yourself and your loved ones against the potential financial impact of life’s more unfortunate events, including death, disability, or illness. We’ll help you determine the most appropriate coverage for your circumstances, and we’ll help you adapt your coverage over time as your needs and priorities change. Our insurance planning services include disability income insurance, life insurance, and long-term care insurance. Contact our offices today to learn and get started.

Every step you’ve taken along your financial journey has led you to where you are today. We know the true value of your accomplishments, and we’re here to help you continue to build and protect your legacy. While financial planning, insurance and investment management strategies play an important role in growing your legacy, estate planning can help protect what you’ve established, transition your legacy to the next generation and ease the burdens left on your loved ones. Our estate planning specialists can help you develop and maintain an effective estate plan which can minimize the impact of taxes and fees while upholding your final wishes.