What Makes Our Approach Different
Retirement-Focused, Tax-Smart Strategies
We specialize in helping retirees and near-retirees minimize taxes using strategies like Roth conversions, tax-efficient withdrawals, and tax loss harvesting. Every investment plan we create is guided by your long-term goals and tailored to reduce your lifetime tax bill.
A Team-Based, Client-First Model
Unlike firms where each advisor manages their book of business, every client at Stewardship Concepts is served by our entire advisory team. With over 50 years of combined experience and three CFP® professionals managing over $115 million in client assets (as of 1/1/2026). You get the collective insight of a highly credentialed team focused on your success.
Truly Independent, Transparent Advice
We’re a fee-only, fiduciary firm, meaning we’re only paid by our clients and never earn commissions. We don’t sell insurance or push proprietary products. That independence gives us complete access to all 10,000 mutual funds and ETFs available on the marketplace, allowing us to build portfolios that fit your needs, not someone else’s incentives.
Actively Managed Portfolios, Built for Real Life
Our portfolios are diversified across 15–20 carefully selected funds, including actively managed options that offer a strong return-to-risk profile with lower costs. We include high-quality growth and dividend-paying companies across the U.S. and international markets.
Every Investment Client Gets a Full Financial Plan
We don’t believe in managing investments without context. Our investment management relationship begins with an in-depth financial plan that ensures your portfolio is aligned with your retirement goals, risk tolerance, and tax strategy.
Annual Service Calendar
January/February/March
- Share tax planning activity with accountants
- Schwab tax form delivery
- RMD calculations
April/May
- Client strategic annual review
- Check ongoing financial planning tasks.
- Get a copy of the tax return and review tax strategy
June/July
- Rebalance accounts
- Client event
August/September/October
- Client strategic annual review
- Review beneficiaries and check in on ongoing financial planning tasks
November/December
- Rebalance and tax loss harvesting
- End of the year tax planning: Roth conversions, RMDs, QCDs, charitable giving, trust distributions, IRA contributions, and Individual 401(k) contributions
Ongoing Services
- Internal portfolio monitoring, advisor continuing education, and investment committee meetings
- Reviewing fund managers
- Quarterly reports
- Weekly economic update email
- Financial planning questions, strategies, and consulting as needed
*Not all services listed apply to every client; services are tailored to individual needs*
Investment Management Cost
