Steven B. Goldstein, CFP®, CRPC®, RICP®

As a Retirement Income Planner and Wealth Manager affiliated with a leading independent firm, I work with pre-, recent, and seasoned retirees to enhance their preparedness and confidence to meet their needs, live a comfortable lifestyle, and fulfill their goals/dreams for the climactic chapters of their lives.

Who Are My Clients?

Affluent married couples, independent women, and men who want help with matters related to their financial well-being during retirement.

They fall into three groups with many common and some situation-specific concerns.

Pre-retirees

If you are within 10 years of your target retirement date (often age 55+), you should know:

How much money will you need to retire?
Are you on track to reach your retirement date goal?
How should your money be invested?
What could be the impact on your plan if there is a market downturn, higher than expected inflation, or tax law changes?

Near & Recent Retirees

If you are in the critical period (generally 2-3 years before and after retirement), you need answers to make decisions regarding:

Where exactly will your income come from after you retire?
When should you take social security?
What must you know about medicare?
How can you manage your taxes?

Experienced Retirees

If you have been enjoying your retirement lifestyle for a while and are concerned about aging related issues, you may want to know:

How will you manage healthcare and long term care costs?
Where will you live in your later years?
What are your wishes at the end of your life?
How should you set up your estate plan?

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My Planning & Wealth Management Services

Retirement Planning

Create custom-tailored plans to source your lifetime income needs and fulfill your goals. Plans include strategies for Social Security claiming, Medicare enrollment, managing healthcare and long term care needs, and for handling other aging-related issues.

Investment Management

Develop and manage your investment portfolio using a variety of strategies based on your needs, goals, risk tolerance, product type preferences, and the mix of your assets from a tax perspective (e.g., taxable, traditional IRA, Roth).

Tax & Estate Planning

Recommend strategies to effectively manage taxes over your lifetime. Review existing estate plans to ensure they are consistent with your goals and advise accordingly. Coordinate as needed with your tax preparer and Estate Planning attorney.

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My Four Step Planning Process

STEP

1

Discover

We start by discussing your current situation and your goals for the future. We then gather your financial documents and other details needed for the analysis.

STEP

2

Analyze

We evaluate your information and use it to project how you are tracking toward your goals. The purpose is to assess your current strategies and identify issues that may be hindering your progress.

STEP

3

Strategize

We review potential strategy changes in all relevant areas. I make specific recommendations for your unique situation with the best of intentions, and fully explain them to ensure you have a complete understanding.

STEP

4

Implement & Monitor

My team handles all the details to ensure smooth implementation. Accounts are then monitored internally and reviewed with you on a regular basis. For ongoing planning clients, the entire process is repeated at regular intervals.

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Top 5 Reasons To Consider Working With Me

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Top 5 Reasons To Consider Working With Me

I am in your age group so I can relate well to your life experiences, goals, and concerns. I assure you I have no intention of retiring any time in the foreseeable future.
I am well-supported by oXYGen Financial with several other experienced planners and subject matter experts to confer with, and outstanding support staff to help me provide great client service.
I am currently registered, licensed, and working with clients in several states. Where you live would not be an obstacle.
As an investment advisory fiduciary, I will always put your interests ahead of mine.
You would benefit from my strong analytical skills and sound judgment I have developed during my 22 years of experience in this business.

Navigate Retirement with Confidence

Retirement strategies can be complex. I am here to guide you through the process, providing you with the information you need to help make informed decisions about your future.

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