You've Built the Wealth.
Now What?
The real question isn’t ‘Do I have enough?’
It’s ‘How much can I spend each month without going broke at 85?’
AFTER DECADES OF DISCIPLINED SAVING, you’re sitting on significant wealth. But retirement is a whole new game. The accumulation playbook that got you here won’t get you through a 30-year retirement. One wrong move could unravel everything you’ve built.
AT SIMPLY STEWARD, we turn retirement anxiety into confidence through tax-integrated financial stewardship that frees your time and aligns with your values.
We Answer The Questions That Keep You Up at Night
Will my money last if I live past 85?
How much can I safely spend each month?
What if the market crashes right after I retire?
Am I paying more taxes than I should?
How do I leave something meaningful for my family and causes I love?
These aren’t just financial questions. They’re life questions.
And they deserve more than fragmented advice from an advisor who “can’t give tax guidance.”
That’s why we do things differently. We don’t just manage investments.
We integrate tax planning, estate strategy, and charitable giving into one coordinated plan so every dollar supports the life and legacy you care about most.
Because your money isn’t the goal.
It’s just the tool.
OUR HOLISTIC APPROACH
Goes Beyond Investment Management
1.
Keep More of What You Earn
Tax-Integrated Wealth Management
Most advisors say, “We can’t give tax advice. Talk to your CPA.” We don’t pass you off. As both a CPA and CFP® professional, Steve integrates tax strategy into every decision. Roth conversions, tax-loss harvesting, smart withdrawal sequencing. This isn’t year-end tax prep. It’s year-round tax optimization.
2.
Know Exactly What You Can Spend
Retirement Income Planning
Generic retirement advice says save X amount and withdraw Y percent. But maximizing lifetime spending or giving requires more than simple formulas. We create personalized income strategies that show you exactly how much you can spend each month, accounting for inflation, volatility, and longevity risk.
Legacy & Charitable Giving Strategy
3.
Give with Confidence
Whether it’s family, church, or causes close to your heart, we help you give strategically. Together we’ll explore options like charitable trusts, tax-free required minimum distributions, and estate structures to find the best fit for your goals.
Risk Management & Insurance Review
4.
Right-Size Your Protection
The $500K life policy that made sense at 45 may be irrelevant at 65. But new risks—like healthcare costs or long-term care—can threaten your future. We help you protect what matters without over-insuring what doesn’t.
Disciplined, Evidence-Based Investing
5.
Invest with a Steady Hand
We don’t gamble with your nest egg. Instead, we design portfolios grounded in decades of historical investment research in partnership with some of the nation’s top investment managers. The result: disciplined strategies built for resilience and long-term growth.
Protect. Grow. Give.
Start Building Your Plan Today.
Our Process:
Turning Questions Into Confidence
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15-Minute Intro Call
A no-pressure chat about your biggest concerns and whether we’re a fit. -
Financial Roadmap Meeting (75 minutes)
Bring us everything: tax returns, investment statements, insurance policies. We review it all and provide immediate feedback on where you stand versus where you need to be. -
Your Written Financial Plan
A written plan with retirement income projections, tax strategies, investment recommendations, and legacy planning—plus specific action steps and timelines.
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Ongoing Support
Markets shift. Tax laws change. Life happens. We monitor everything and proactively reach out when opportunities arise or adjustments are needed.
“I would highly recommend Steve to help you prepare for retirement! My expertise was earning the income. Steve's expertise is managing my investments so I could attain my retirement goals. It's never too late to start working with him.”
- Margie G.
Testimonials are from current or previous clients of Simply Steward, LLC. No compensation was paid for any testimonial on this website and were freely provided by clients. For a listing of all Google reviews, please go to simply steward - Google Search
You Focus on Living.
We Build the Plan That Supports That Life.
Your retirement should be about grandchildren, travel, service, and relationships. Not spreadsheets and tax research.
Every weekend spent buried in financial planning is time you’ll never get back.
Every tax-saving opportunity you miss is money permanently lost.
Every year you delay is peace of mind postponed.