Retirement is getting close, or already here
You want to know when work becomes optional, how much you can spend, and how to turn your savings into reliable retirement income.
Spokane Financial Advisors for Retirees
We help you make smart decisions about large 401(k)s, Roth conversions, Social Security, retirement income, and taxes.
Fee-only fiduciary advice for retirees and near-retirees in Spokane.
- Fee-only fiduciary
- CFP® professionals
- 50+ years combined experience
- Spokane-based
Who we serve
You may be in the right place if…
Retirement brings a different set of financial decisions. Our clients are often age 50+ and approaching retirement with meaningful savings in a 401(k) or IRA.
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.
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.
That's where we can help.
Why us
Why Retirees Choose Stewardship Concepts
You're not hiring a salesperson. You're hiring a team to help you make smart retirement decisions.
- A tax-smart approach to retirement
- We help you think through Roth conversions, retirement income, and future withdrawals.
- Fee-only fiduciary advice
- Our guidance is built around your best interest, without commissions or product sales getting in the way.
- A Spokane team that understands retirement planning
- You work with a local team that understands the questions people face as retirement gets closer and financial decisions become more interconnected.
What we help you decide
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.
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 income.
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.
When to claim Social Security
We help you make this decision in the context of income needs, taxes, and long-term goals.
How to create retirement income
We help build a plan for spending, distributions, and investments so your income feels steady and intentional.
How taxes may affect retirement
We help you make retirement decisions with taxes in mind, including future withdrawals, RMDs, and charitable giving strategies.
How the pieces fit together
Retirement planning works best when investments, income, taxes, and long-term goals are all part of one clear plan.
These are the kinds of decisions we help clients think through every day.
How we work together
How We Can Help
Some people want a clear retirement plan before deciding what comes next. Others want ongoing guidance as retirement unfolds. We can help with either path.
Path A
Ongoing Retirement Planning & Investment Management
For people 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, taxes, investments, and the major financial decisions that come with this stage of life.
Path B
Standalone Retirement Plan
For retirees who want clarity before making their next move. This option helps you understand where you stand, identify the decisions that matter most, and receive a thoughtful retirement plan with clear recommendations before deciding whether to move forward on your own or with ongoing guidance.
Some clients begin with a standalone retirement plan and then decide whether they want to move forward on their own or continue with ongoing advice.
Featured In
Our team has been quoted in respected local and national publications on retirement, tax planning, and financial decision-making.
What Spokane clients say
Trusted by retirees across the Spokane area
Verified Google reviews
“Wynn, Noah and the team have been wonderful to work with. I know they have my back and trust their financial advice. The peace of mind they have given me regarding my financial future has been priceless.”
“It was a breath of fresh air not to be pushed to buy insurance or products that didn't make any sense for our family. Noah is trustworthy, available, and professional. Highly recommend him as an advisor.”
“It's an absolute pleasure to work with the team at Stewardship Concepts. They're readily available for questions, and their help in developing and managing a financial plan has been a huge load off my shoulders!”
Your Spokane team
Meet Our Spokane CFP® Professionals
When you work with Stewardship Concepts, you work with a local team that understands the questions retirees face as work ends and income planning begins. Our role is to help you move forward with more clarity, more confidence, and a plan that fits your life.
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.
Amy Drury, 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.
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.
The process
What the First Conversation Looks Like
Starting the conversation doesn't mean committing to anything. It's simply a chance to talk through your situation, ask questions, and see whether we're a good fit.
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1Schedule 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.
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2Review 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.
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3Choose the Right Next Step
Whether that means a standalone retirement plan, ongoing advice, or simply helping you think through your options, our goal is to help you move forward with clarity.
Take the 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.
We often work with retirees and near-retirees who want thoughtful planning, clear advice, and a tax-smart approach to retirement. If that sounds like you, we'd love to hear your story.
Fee-only fiduciary advice · Spokane-based · CFP® professionals
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