Financial Planning Office of Stephen Overstreet, P.A.

The firm is an independent, fee-only advisory practice that serves individual households — typically two-income families, pre-retirees, professionals, business owners, and retirees — and manages roughly $35 million for fewer than two dozen clients. It offers comprehensive financial planning (including a written plan with year‑long implementation assistance), ongoing investment advisory services, and hourly or fixed‑fee one‑time engagements.

Investment portfolios are built primarily with low‑cost mutual funds and exchange‑traded funds (a mix of passive and active funds across seven to eight asset classes) and guided by long‑term, buy‑and‑hold principles and asset‑allocation frameworks. The firm provides quarterly reviews and trade recommendations and integrates retirement plan and insurance assets into its analyses, but the advisor generally operates on a non‑discretionary basis so clients approve trades before execution.

Noteworthy features include the firm’s primarily non‑discretionary management of all assets under advisement — an arrangement the brochure highlights as uncommon among independent advisers — and operational choices such as not aggregating client trades and not accepting custody, which influence execution and reporting practices. The principal maintains CFP® credentialing and membership in fee‑only professional organizations, and the practice has shifted toward emphasizing hourly and project work rather than expanding its advisory client roster.