Financial insights for life’s big decisions

Financial perspectives from our advisors

Tax-Aware Insights & Strategies

Because what you keep matters more than what you earn

With federal deficits continuing to rise and the scheduled expiration of the Tax Cuts and Jobs Act on the horizon, proactive tax planning is more important than ever. As holistic, fee-only fiduciary advisors, we focus heavily on after-tax outcomes—helping high-net-worth and high-income individuals reduce unnecessary tax drag through thoughtful planning and tax-aware investment strategies. Our resources explore ways to manage income and capital gains taxes, diversify retirement portfolios more efficiently, plan for the future sale of a business or concentrated low-basis equity position, and use tax-aware SMAs to enhance long-term returns through systematic tax-loss harvesting.

Frequently Asked Questions

Answers to help you get acquainted

  • Am I a good fit?

    We specialize in guiding high-income and high-net-worth individuals through major life transitions with personalized financial planning. If you value an experienced fiduciary relationship and a long-term strategy, you’ll likely find our approach aligns well with your goals.

  • What are your qualifications?

    Our advisors are experienced professionals with credentials such as the CERTIFIED FINANCIAL PLANNER™ designation. With over 35 years in business, Sterneck Capital combines deep industry knowledge with a focus on tailored investment management and financial planning.

  • How do you charge?

    We charge a transparent, percentage-based fee on assets under management. There are no commissions, hidden costs, or surprise charges—our compensation is fully aligned with your success.


    For additional details, please refer to the fee structure outlined in the ADV, also available in the Disclosure section of this website.

  • If we are not local, can we work with Sterneck Capital?

    Yes. We serve clients nationwide through secure video conferencing and digital collaboration tools. Many of our long-term relationships began virtually and have continued seamlessly across states.

  • What makes your firm different from other financial advisors?

    We’re a fee-only fiduciary, meaning every recommendation is made solely in your best interest. Our structure, experience, and technology allow us to deliver institutional-level expertise with the personal attention of a boutique firm.

  • Do you handle both financial planning and investment management?

    Yes, we integrate both services to ensure your plan and portfolio work together. This coordination helps align cash flow, taxes, and long-term investment strategy for better, more consistent outcomes.

  • How often do clients meet with their advisor?

    We meet with clients at least annually, or more often as life or market changes occur. Ongoing communication and proactive reviews keep your plan relevant and your decisions well-informed.

  • What types of clients do you typically serve?

    Our clients include professionals, business owners, and retirees seeking independent, long-term financial guidance. Many come to us during pivotal life and financial transitions—such as retirement, business sales, changes in marital status, or inheritance planning—when clarity, experience, and thoughtful strategy matter most.