Financial Planning
Personalized strategies for clarity, confidence, and progress
Planning built around your life
Integrated advice from a fiduciary team
You deserve a financial plan that connects every detail of your finances to the life you want. At Sterneck Capital Management, you get clear priorities, a sensible timeline, and a process that adapts as your needs change.
Our approach is holistic and practical. We coordinate investments, retirement income, taxes, estate considerations, and risk management in one plan. You receive independent, fee-only advice focused on your goals rather than product sales.
Areas of planning expertise
Dive deeper into the topics that matter most
Each topic below can be explored in greater detail for specific strategies and next steps. These overviews set the foundation for a plan that fits your goals.
Retirement Planning
Plan retirement income using timelines, projections, and coordinated Social Security strategies for lasting confidence.
Estate & Legacy
Design estate and legacy plans with trusts, beneficiaries, and charitable gifting strategies that endure.
Tax Planning Strategies
Coordinate tax planning with your CPA for withdrawals, conversions, and contribution strategies that align.
Insurance & Risk
Assess insurance and risk needs for life, disability, long-term care, and umbrellas with objectivity.
A plan that works in practice
Coordination that keeps everything moving
Financial planning is most effective when every decision is coordinated. Your advisor manages the moving parts so investment changes, funding schedules, and tax decisions support the same objective. We collaborate with your CPA and attorney to align documents, reporting, and timing. You stay informed with clear reviews and practical action items. Technology streamlines the process so you can focus on what matters while your plan keeps pace with your life.
Planning questions answered
Straightforward guidance for real decisions
What is included in a comprehensive financial plan?
A comprehensive plan covers your full financial picture so decisions are made in context. We review cash flow, net worth, retirement readiness, investment alignment, insurance needs, and estate considerations. We also map tax-aware strategies that coordinate accounts and timing. You receive clear priorities, projected outcomes, and an action list with ownership and timelines.
Do I need a plan if I already have investments?
Yes, because investments are most effective when guided by a plan that defines purpose, risk, and required outcomes. A plan clarifies what each account is for, how much risk is appropriate, and how withdrawals or contributions should be scheduled. It also helps you avoid fragmented decisions that create unintended tax or risk exposure. With a plan, you can measure progress and adjust with confidence.
How does the planning process work at Sterneck Capital?
We begin with a short introductory call to confirm fit and priorities. The discovery meeting follows with a detailed review of your goals, resources, and risk tolerance. We then analyze the data and present a tailored plan that includes scenarios and clear next steps. After your feedback, we help implement the recommendations and schedule regular reviews to keep everything current.
How do you handle taxes if you are not a CPA firm?
We specialize in tax-efficient planning and coordinate closely with your CPA. This includes planning withdrawals, Roth conversions, charitable gifting, contribution timing, and capital gains management. We design strategies that lower lifetime tax drag while keeping risk and cash needs in balance. With your permission, we share information and meet with your CPA to keep decisions aligned.
What is your approach for pre-retirees and retirees?
For pre-retirees, the focus is accumulation strategy, risk alignment, and sequencing decisions that prepare you for income later. For retirees, we manage distribution strategy through tax-aware withdrawals, Social Security timing, and portfolio adjustments that support sustainable income. We stress test outcomes so you can see how different choices affect longevity of assets. The plan is updated as markets change and as your needs evolve, so your income strategy remains practical and resilient.