Our Approach

Our comprehensive approach to financial planning and investment management has five components.

Complete Financial Evaluation

Concise Written Recommendations

Expert Analysis and Discussion

Objective Feedback

Continuous Review

Complete Financial Evaluation

We evaluate your complete financial situation and consider the variety of financial solutions available to fulfill your specific objectives. We continue to review your financial picture on an ongoing basis, including:

  • personal and investment assets
  • liabilities
  • tax concerns
  • retirement planning
  • insurance
  • estate planning
  • education funding
  • cash flow
  • gifting
  • all other material components

Financial Plan and Recommendations

Simply talking about financial goals can be a helpful first step, but reaching your goals requires concrete plans. We formulate a plan with specific recommendations for each aspect of your financial life and help you to set priorities.

Expert Analysis and Discussion

With decades of experience in comprehensive financial planning, we’ll analyze your entire financial picture, outline options, and discuss them with you. While we don’t provide legal advice or prepare income tax returns, our professionals are very knowledgeable in these areas and work closely with your attorneys, tax preparers, and other professionals who make up your financial “team,” often leading the effort as the professional familiar with all of the areas of your financial situation. This helps ensure that everyone on the team is on the same page and working toward the same goals.

Objective Feedback

We give our clients clear and direct feedback based on what we’re seeing. Because we’re a fee-only, conflict-free* financial planning firm, our feedback is focused on one thing: helping you to reach your goals. It’s not about persuading you to buy a particular product or investment, and it’s not about forcing you to adopt a lifestyle that you don’t want. It’s about giving you the honest and objective feedback you need to make decisions about the financial future you want to have.

*At Stepp & Rothwell, Inc., we strive to provide families with advice that helps them avoid conflicts regarding money and family finances. We do so by working intimately with families on a regular basis to address these issues. We are a fee-only investment adviser registered with the SEC. We provide ongoing advice for a fully-disclosed fee. We sell no investment or insurance products for a commission. We are a fiduciary under law, and must provide services that are always in the best interests of our clients. A copy of our most current written disclosure Brochure discussing our advisory services, fees, and conflicts is available upon request.

Continuous Review

We are in regular contact with you to make sure that you’re following your plan and to address any issues that might have come up since our last meeting. We schedule quarterly meetings and collaborate with your attorneys, accountants, and other advisors. Quarterly review meetings and regular evaluations of your financial plan and portfolio keep the communication channels flowing. You bring your questions and we give you answers and analysis. There is never an additional charge for these meetings and any other discussions you may have with your Stepp & Rothwell, Inc. team, because they are included as part of your annual retainer fee. We know you need somebody to talk to — we’re ready to listen.

*Please Note: The scope of any financial planning and consulting services to be provided depends upon the request and needs of the client.  Stepp & Rothwell, Inc. does not serve as an attorney, accountant, or insurance agent. Stepp & Rothwell, Inc. does not prepare estate planning documents or tax returns, nor does it sell insurance products.