Financial Advice, Research, and Planning
This service helps our clients make informed decisions about their finances, investments, and long-term financial goals.
The planning process involves assessing your current financial situation, identifying your long-term financial goals, and developing a personalized roadmap to achieve those goals. Advice is given on a wide range of topics. Some examples are given below.
At your request we can also help you evaluate financial products and services or specific investment opportunities to determine if they align with your financial goals and risk tolerance.
Savings & Budgeting
Analysis of your income, expenses, and spending habits to identify areas for cost savings and to develop a realistic, sustainable budget. We also aim to maximize returns on your idle cash by using money market and ultrashort bond ETFs.
Investing & Risk Management
Depending on your particular goals, we can develop a tailored investment strategy and explain different investment options, their risks, and return potential to help you make informed decisions.
Retirement Planning
Helping you determine how much to save, when you can retire, and how long your money will last. We use professional software to simulate a wide range of possible outcomes for your retirement in order to determine your likelihood of achieving your goals.
Tax Optimization
Making sure you invest in a tax-efficient manner by taking advantage of retirement accounts, strategically allocating your investment to minimize capital gains, and using tax-loss harvesting to offset your gains and reduce your tax burden.
Estate Planning
Collaboration with estate attorneys and tax professionals to provide valuable guidance on how to organize, protect, and transfer your wealth efficiently and in accordance to your wishes.
Insurance
Through the financial planning process we will be able to assess your financial needs for the future, and in doing so recommend appropriate coverage to protect your family.
Is this for me?
Who this can benefit the most:
- Working professionals with steady incomes from employment can benefit from financial planning to manage their finances effectively, save for short-term goals (e.g., buying a home, starting a family) and plan for long-term goals (e.g., retirement).
- Entrepreneurs and small business owners may require financial advice to manage both their personal and business finances, optimize cash flow, plan for business expansion, and navigate complex financial decisions.
- Families with multiple financial goals, such as saving for education, purchasing a home, or planning for retirement, can benefit from financial planning to prioritize their objectives, allocate resources efficiently, and ensure financial security for themselves and their loved ones.
- High net-worth individuals often require specialized financial advice and planning to preserve and grow their assets, mitigate tax liabilities, plan for estate transfer, and manage complex investment portfolios.
- Individuals nearing retirement age or already retired seeking financial advice to optimize their retirement income streams, manage retirement accounts (e.g., 401(k), IRA), plan for healthcare expenses, and ensure their savings last throughout retirement.
- Individuals who have experienced major life transitions, such as divorce or the loss of a spouse, may require financial advice to navigate changes in their financial circumstances, manage assets, and plan for the future independently.
- Trustees, executors, and beneficiaries of trusts and estates may need financial advice to fulfill their fiduciary responsibilities, manage trust assets prudently, and ensure compliance with legal and tax requirements.
Who may benefit less from this service:
- Those with modest financial goals and simple financial needs, such as covering basic living expenses and enjoying a comfortable retirement. They may not require detailed financial advice and planning beyond budgeting and saving.
- People that have access to alternative resources for financial guidance and support, such as knowledgeable family members, mentors, or communities. They may rely on these sources for advice and information rather than seeking formal professional services.
- Individuals that possess advanced financial knowledge, allowing them to manage their finances effectively without external guidance. They may have the expertise and resources to make informed investment decisions independently but may still use a professional service to double-check their findings or to identify something that was overlooked when making an important decision.
Request a Consultation
What is it?
A 45-minute consultation—online, in-person, or over the phone—to provide you with personalized financial guidance for your specific needs and objectives without any upfront cost or obligation. We will go over your situation, answer questions, and provide you with some options.
Christopher J. Steward
Financial Advisor, Owner
Steward Capital, LLC
Christopher Steward has been a Financial Advisor for 20 years and has a wealth of experience as a financial planner, asset manager, real estate investor, and business owner.
ADDRESS
Steward Capital, LLC
400 112th Ave NE, Suite 400
Bellevue, WA 98004
CONTACT
Steward Capital, LLC is a registered investment adviser in the State of Washington. The Adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.