Client Stories*

A Pre-Retirement Widow Grateful for Preparedness*

Sarah’s husband was on solid footing for retirement but wanted to improve the family’s overall financial picture.

“Richard was in his mid-fifties when we hired Stepp & Rothwell, Inc. We have several children and I didn’t work outside the home. We were set up well for retirement, but the rest of our financial situation seemed overly complicated and a little haphazard. We both wanted a clearer picture and some guidance on how to continue to improve.

Stepp & Rothwell, Inc. organized everything, including creating plans for taxes, cash flow, insurance, estate planning, and college funding. Richard had taken out many small individual life insurance policies with cash value, and our advisor agreed with Richard that it would be better to free up the cash value and reinvest it. Stepp & Rothwell, Inc. shopped for replacement coverage and once that was in place, the smaller policies were surrendered in exchange for several hundred thousand dollars that was reinvested.

That alone was a huge help, but when my husband died unexpectedly several months later, the financial organization Stepp & Rothwell, Inc. did for us proved invaluable. I remain grateful that in the middle of a horrible personal tragedy I didn’t have to worry about determining what accounts we had, where they were held, or what to do with them. You never know what’s going to happen in the future, but you can try to be prepared. That’s what Stepp & Rothwell, Inc. did for me.”

 

 

*Please Note:  Limitations:  Although we have dealt with a myriad of client situations throughout the years, the above Client Stories are hypothetical-not involving actual Stepp & Rothwell clients. None of the Client Stories should be construed by a client or prospective client as a guarantee that he/she will experience the same or a certain level of results or satisfaction if Stepp & Rothwell is engaged, or continues to be engaged, to provide investment advisory services.

Multiple Generations with Different Needs*

Nancy and her husband Charles are the second generation of Stepp & Rothwell, Inc. clients in their family.

“The first person to sign on as a client was my Mom; she and my Dad were some of the firm’s first clients. When my Dad passed away unexpectedly at age 63, Mom had the support of the firm. They helped her get through that part of his passing. I knew she had their help so I knew I didn’t have to worry.

About ten years later, Mom started having health problems, and she worked with the firm to come up with options for providing for her care. Mom made all of the decisions, but not having to find and research options was invaluable. The firm also made sure Mom had powers of attorney in place to provide continuity of care and deal with emergencies. Mom’s health unfortunately continued to decline and she is no longer able to make her own decisions, but I don’t have to worry about her finances or wonder whether anyone knows what’s going on. I am so thankful for that.

A few years ago, we became clients of the firm. We never thought that we had enough money to become a client, but that’s not what it’s about. It’s about, “Here’s what you have, here’s what we can do with that.” They work with where you are and help you to reach your goals. They don’t tell you what to do or how to live your life.

They also follow through and they actually do meet with you quarterly. And it’s not the kind of meeting where it’s somebody you don’t know or met once and they give you a bunch of print-outs and the meeting’s over. They put everything in a format we can understand, and if I don’t understand it, I can ask as many questions as I need to.

The most important thing, though, is the personal service. They got to know us and the way we live our life, and they work with us to reach our goals. They’re like family. Because both my mom and my family are clients, I’m in constant communication with our planner, who I really feel is a partner to help us. We were with our insurance brokers for 20 years, and they met with us maybe once a year and never knew us.

The firm goes way beyond the second mile in helping you meet all your needs, and it’s all done with confidentiality, integrity, and character.”

*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.