Stewardship Financial Planning

The firm provides comprehensive financial planning and portfolio management to individuals, businesses, charitable organizations, trusts and estates, covering retirement planning, asset allocation, college funding, insurance analysis, budgeting and savings/withdrawal strategies. Investment recommendations are limited to no‑load mutual funds, ETFs, FDIC‑insured CDs and U.S. Treasury securities, and services are offered through one‑time projects, hourly engagements and an annual retainer arrangement.

The firm’s approach emphasizes individualized planning and diversified, multi‑portfolio “bucket” allocations with a long‑term buy‑and‑hold orientation and periodic monitoring and rebalancing, typically once or twice a year. It uses fundamental analysis and third‑party research tools and gives clients the option of discretionary or non‑discretionary account management, obtaining client approval before executing trades when non‑discretionary authority is selected.

Noteworthy differences from many peers include a fee‑only, flat‑fee model rather than percentage‑of‑assets billing and an explicit policy to adjust annual retainer fees by the Social Security cost‑of‑living adjustment. The firm also provides trustee and executor services that can result in custody of trust assets, uses written third‑party transfer authorizations and surprise‑audit procedures, and documents proxy‑voting and custody safeguards when acting in a trustee capacity.