Estate and Wealth Management Overview

In working with our clients, Stewardship Financial endeavors to integrate estate and financial planning concepts into the investment advice we offer our clients. Whether assisting clients in developing and implementing philanthropic plans, tax-efficient transfer of wealth within the family, or reducing income or estate taxes, we are prepared to work with a client's attorneys and accountants to develop a plan that is most appropriate in helping to achieve a client's financial objectives.

Fiduciary and Trust Services

For those clients who wish to use a corporate fiduciary in their wealth planning, Stewardship Financial offers a working relationship providing trust services through a choice of major trust companies. Under this arrangement, Stewardship Financial manages the client's trust investments and financial relationship, while the trust company handles the trust administrative details. In addition to trust services, our clients who wish to name a corporate fiduciary in their wills may do so in the comfort of knowing that we will manage the client's investments during the estate's administration and thereafter in any testamentary trust created. 

A Full Range of Investment Products and Services

We take particular pride in our development of individual bond and income investment portfolios specifically customized for each client's time frame and risk profile.

We offer access to a comprehensive selection of products to help you pursue your financial goals:

  • Listed and OTC Stocks
  • Tax Exempt Municipal Bonds
  • Government and Corporate Bonds
  • Zero Coupon and Convertible Bonds
  • CDs and Money Market Accounts
  • Retirement Plans and 529 Plans
  • Managed Investment Programs
  • Custom Discretionary Accounts
  • Separately Managed Accounts (SMAs)
  • Mutual Funds and ETFs
  • Unit Investment Trusts (UITs)
  • Real Estate Investment Trusts (REITs)
  • Fixed and Variable Annuities
  • Life and Disability Insurance
  • Long-Term Care Insurance
  • Alternative Investments

Planning Overview

Our mission is to help clients achieve and maintain financial security. Through a dedicated approach that begins with a conversation about your financial valuesand goals, we place highest importance on a continuing dialogue about what is important to you. We work together to create a financial roadmap based on where you are now and where you want to be.

We will evaluate factors affecting your current lifestyle including income, savings, tax obligations, investments, cash flow, legacy planning and liabilities, while taking into account your future goals, vision, and expectations. Your plan is designed to be dynamic, incorporating your changing financial needs over the years. 

The plan can adapt to include major purchases, business continuity issues, health, downsizing, and changes in family configuration. As you enter your peak earning years, the attention may shift to tax-advantaged strategies for preserving wealth through properly executed estate planning. Approaching retirement means dealing with the structuring of income flow and wealth transfer.

Stewardship Financial Management will be your primary contact in helping to maximize your resources and move toward your goals. Our entire process is meant to allow your financial plan to change and grow along your journey into the future.