Who We Serve
Retirees: From Accumulation to Purposeful Stewardship
You are no longer focused on earning and accumulating; you are focused on sustaining a lifestyle, managing legacy, and ensuring that your capital remains as resilient as your vision for the future.
We help you:
Design a retirement distribution strategy that balances lifestyle needs with the reality of market risk and tax drag.
Simplify your financial life so you can spend your time on what matters most, knowing the “engine” of your wealth is being professionally monitored.
Structure your investments to support both your immediate comfort and your long-term goals for philanthropic or generational impact.
Professionals: Managing Complexity, Not Just Capital
Professional success is great, but it has also likely added layers of financial complexity: stock options, deferred compensation, partnership buy-ins, and an increased tax burden. You don’t have the time to manage the details, and you shouldn’t have to.
We help you:
Consolidate your financial life into a single, cohesive strategy that aligns your assets with your professional trajectory. Think of us as a ‘Personal CFO,’ working behind the scenes to make all your work more efficiently.
Implement long-term tax strategies to mitigate the impact of high marginal income tax rates.
Assemble and manage an active, intentional portfolio that makes your hard-earned income work best for you. We use our unique, active investment approach and tailor it to your life and preferences.
Business Owners: Turning Enterprise into Personal Wealth
You have spent years building your business, often sacrificing liquidity to fuel growth. Now, the challenge is shifting from building the asset to protecting the capital you have worked so hard to create.
We help you:
Navigate the intersection of business liquidity events and personal tax liability.
Thoughtfully allocate capital from your business and develop an active, intentional investment portfolio with our approach that empowers you to achieve your financial goals.
Design integrated planning that ensures your personal financial independence is not tethered solely to the volatility of your business’s future success.
Frequently Asked Questions
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What do You Mean By "Fee-Only" and "Fiduciary"?
- Fee-Only means that we charge clients based on a flat percentage of Assets Under Management (AUM) fee. The larger the amount of Assets Under Management, the lower the percentage charged. At Stein Financial, we feel that this aligns our interests with client interests. If you do better, we do better, and vice versa. We don’t collect commissions or payments for recommending financial products. As a fiduciary, we are obligated to put our clients’ interests first as we manage their funds. We feel like this is the most ethical, win-win way of doing business in our industry.
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What do You Mean by "Value Investing"?
- Value Investing is an investment philosophy first advocated by Benjamin Graham of Columbia
University, and most famously by Warren Buffett and Charlie Munger, arguably the two most successful investors of all time.
A value investor seeks to purchase securities (stocks and/or bonds) at a discount to their intrinsic value. Stocks and bonds can trade at a discount for a variety of reasons (bear market, out-of-fashion industry, misunderstood, etc.). Eventually, the security should return to (or exceed) its underlying value, enabling the investor to earn a superior return over time.
Success in value investing requires analytical ability, patience, a long-term mindset, and capacity to
remain level-headed whether in a bull or bear market. At Stein Financial, we follow a Value Investment
philosophy with client Assets Under Management, keeping an even-keeled, long-term focus. We believe this can lead to superior investment success for our clients, enabling them to meet their financial goals. -
Since Stein Financial does Value Investing, do you not buy "Growth" stocks?
- We believe that some stocks labelled as "Growth" are actually great value propositions, and thus great potential long-term purchases. We use our own judgment and analyze any investment based on fundamentals, not labels by the media or any publication.
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I just need tax planning/prep or financial planning. Can your firm help us out?
- Stein Financial does not offer standalone tax services or financial planning only engagements. For our Wealth Management clients, we pair portfolio management with retirement and tax planning.
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Does your firm have a minimum requirement for portfolio management?
- We do not have an absolute minimum requirement for client funds to be managed. However, we feel that our services are most efficient for households with $250,000 or more in investable assets. Regardless, if you have questions, feel free to give us a call, schedule a meeting or stop by, we’d love to chat!