Spokane Financial Advisor | Retirees & Roth Conversions

You may be in the right place if...

Retirement is getting close, or already here

A large 401(k) or IRA has created more tax questions

You want to know when work becomes optional, how much you can spend, and how to turn your savings into a reliable retirement income.

A large 401(k) or IRA has created more tax questions

You want help deciding when Roth conversions make sense, how withdrawals should happen, and how to avoid costly tax surprises later.

A businessman holding a tablet in a room.

You want your retirement decisions to work together

A large 401(k) or IRA has created more tax questions

You want your retirement decisions to work together

Social Security, investments, taxes, income planning, and legacy goals all need to fit into one clear plan.

Why Retirees Choose Stewardship Concepts

Group of people dressed professionally, smiling in front of building.

A tax-smart approach to retirement

We help you make retirement decisions with taxes in mind, from Roth conversions to retirement income and future withdrawals.

Fee-only fiduciary advice

Our advice is built around your best interest, without commissions or product sales getting in the way.

A CFP-led team in Spokane

You work with an experienced local team that understands the questions retirees face as work ends and income planning begins.

Schedule a Discovery Call

The Retirement Decisions We Help You Make

Good retirement planning is not one big decision. It’s a series of income, tax, and timing decisions that need to work together.

1) When and how to use your 401(k) and IRA

We help you think through withdrawals, tax impact, and how to turn retirement savings into retirement income.

2) Whether Roth conversions make sense

We help evaluate when a Roth conversion may help, when it may not, and how it fits into your larger plan.

3) When to claim or delay Social Security

We help you make this decision in the context of income needs, taxes, and the rest of your retirement strategy.

4) How to create retirement income

We help build a plan for spending, distributions, and investments so your income feels steady and intentional.

5) How taxes will affect your retirement

We help you make retirement decisions with taxes in mind, including future withdrawals, RMDs, and charitable giving strategies.

6) How all the pieces fit together

Retirement planning works best when investments, income, taxes, and long-term goals are all part of one clear plan.

How We Can Help

1) Ongoing Retirement Planning & Investment Management

For retirees who want an ongoing relationship and a plan that continues to adapt as retirement unfolds. We provide guidance on retirement income, Roth conversions, Social Security timing, tax planning, investment management, and the major financial decisions that come with this stage of life.

More About Ongoing Management

2) Standalone Retirement Plan

1) Ongoing Retirement Planning & Investment Management

For retirees who want clarity on their next move. This option helps you understand where you stand and receive a thoughtful retirement plan with clear recommendations before deciding whether to move forward on your own or with ongoing guidance.

More About One-Time Plan

Meet Our Spokane CFP® Professionals

Noah Schwab, CFP®

Financial Advisor, Owner

Helps retirees make smart decisions about 401(k)s, Roth conversions, retirement income, and taxes.
Loves camping under the stars with his wife Jenny

Learn More about Noah

Amy Drury, CFP®

Noah Schwab, CFP®

Financial Advisor, Owner

Helping people nearing and in retirement to make thoughtful decisions with clarity and confidence.
Enjoys hiking with her husband and two daughters.

Learn More about Amy

Edwin Hill, CFP®

Noah Schwab, CFP®

Edwin Hill, CFP®

Financial Advisor, Founder

Brings more than 30 years of experience helping clients make thoughtful, long-term financial decisions.
Loves backpacking around Spokane with his wife, Kerry.

Learn More about Edwin

What the First Conversation Looks Like

Starting the conversation doesn’t mean committing to anything. It’s simply a chance to learn more about your situation, answer your questions, and see whether we’re a good fit.

Advisor greeting a client with a warm handshake in a bright Spokane office.

Step 1 - Start with a Discovery Call

We’ll talk about where you are now, what questions are on your mind, and what you want retirement to look like.

Advisor reviewing a financial plan with a client, pointing to key next steps.

Step 2 - Review What Matters Most

If it looks like a fit, we’ll review the key parts of your financial life and identify the decisions that matter most right now.

Stewardship Concepts team together in a bright office, warm and professional.

Step 3 - Choose the Right Next Step

Whether that means a retirement planning project, ongoing advice, or simply pointing you in the right direction, our goal is to help you move forward with clarity.

7307 North Division Street, Suite 205, Spokane, Washington 99208, United States

(509) 443-0845

(Copyright 2026 Stewardship Concepts Financial Services, LLC - All Rights Reserved. Stewardship Concepts Financial Services, LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements. Click here to download our Form ADV part 2 and From CRS.

Spokane Financial Advisors for Retirees

Spokane Financial Advisors for Retirees

You may be in the right place if...

Retirement is getting close, or already here

A large 401(k) or IRA has created more tax questions

A large 401(k) or IRA has created more tax questions

A large 401(k) or IRA has created more tax questions

A large 401(k) or IRA has created more tax questions

A large 401(k) or IRA has created more tax questions

You want your retirement decisions to work together

A large 401(k) or IRA has created more tax questions

You want your retirement decisions to work together

That’s where we can help.

Why Retirees Choose Stewardship Concepts

The Retirement Decisions We Help You Make

1) When and how to use your 401(k) and IRA

2) Whether Roth conversions make sense

3) When to claim or delay Social Security

4) How to create retirement income

5) How taxes will affect your retirement

6) How all the pieces fit together

How We Can Help

1) Ongoing Retirement Planning & Investment Management

1) Ongoing Retirement Planning & Investment Management

1) Ongoing Retirement Planning & Investment Management

2) Standalone Retirement Plan

1) Ongoing Retirement Planning & Investment Management

1) Ongoing Retirement Planning & Investment Management

Meet Our Spokane CFP® Professionals

Noah Schwab, CFP®

Noah Schwab, CFP®

Noah Schwab, CFP®

Amy Drury, CFP®

Noah Schwab, CFP®

Noah Schwab, CFP®

Edwin Hill, CFP®

Noah Schwab, CFP®

Edwin Hill, CFP®

What the First Conversation Looks Like

Step 1 - Start with a Discovery Call

Step 2 - Review What Matters Most

Step 3 - Choose the Right Next Step

Let’s See Whether We’re a Fit

If you’re nearing retirement or already retired and want help with your 401(k), retirement income, Roth conversions, and taxes, start with a discovery call.

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