Stewardship Financial

Financial Planning

It comes with the relationship. Not a product you buy on its own.

When we manage your investments, we build and manage your financial plan right alongside them. Same team. Same app. Same table. You do not add it on. You get it because you are a client.

Schedule a free call Explore wealth management

No pressure. Or call us at 602-384-2604

Inc. 5000and Financial Times fastest growing company in America
CFP®a CERTIFIED FINANCIAL PLANNER™ Professional on your team
10key financial elements tracked all year long
What changed

It used to be something you bought.
Now it is just part of being a client.

For years you could buy financial planning from us as its own thing. A monthly membership. A separate line item on your account.

We stopped doing that.

Here is why. The best planning does not happen off in a corner by itself. It happens when the person building your plan is the same person managing your money. When those two things live under one roof, nothing slips through the cracks.

So financial planning is not a product on a shelf anymore. It is baked into what we already do for you. When we manage your investments, we build and manage your plan right beside them. You do not sign up for it separately. You get it because you are a client.

Investments managedYour money handled by a local advisor who knows your name.
Financial plan builtA real plan with clear goals and the next steps to hit them.
One relationshipEverything working together, because it is all being done by the same team.
Stage 2 of wealth

When you have margin, you need more than retirement planning

You are doing well. You have room in your cashflow. Now the questions get bigger than "am I saving enough for retirement."

Could you reach the next stage of wealth faster?

Based on your age and income, are you actually on track?

Can your money create a more preferred lifestyle now?

Will you still be okay if you make that big purchase?

Are you making the most of the income you already earn?

How much wealth would actually make work optional?

We help you make the most of your finances now, so you can move to the next stage of the journey quicker.

What you get

What your financial plan includes

All of it comes with your wealth management relationship. No membership to manage. No add-on to buy.

  • A relationship with a CERTIFIED FINANCIAL PLANNER™ Professional
  • Real-time tracking of 10 key financial elements
  • An annual financial plan with clear goals and next steps
  • A roadmap built around the goals that matter most to you
  • Access to your advisor to get your real questions answered
  • An annual paystub review for the right tax and retirement withholding
  • An insurance assessment to measure how protected you are
  • Benchmarking against others of similar age and income
  • Automatic mortgage rate monitoring for refinance opportunities
  • A proven process to get you and your spouse on the same page
Your whole picture

Everything in one place, tracked all year

Your plan lives in one simple app, on your phone or your computer. Your advisor monitors 10 key financial elements throughout the year. You get quarterly check-ins, plus a heads up any time something drifts off track.

Some people look at these numbers and get overwhelmed. Others look at them and get excited. Either way is fine. Not into tech? No problem. We will walk you through it and meet you wherever you are comfortable.

Liquid term Savings rate Total term Insurance rate + 6 more
Liquid termHow many years you could live off cash-like assets outside of retirement plans.
Savings rateHow much of your income you are actually keeping. A window into your security.
Total termHow long you could live on all your assets. We compare it to your age.
Insurance rateHow much protection you carry against how much you actually need.
The framework

The three stages of wealth

We look at wealth building in three stages. Financial planning is the engine that moves you from one to the next.

STAGE 01

Control

You get a handle on your finances. Security, simplicity, and the first real steps forward.

You are here
STAGE 02

Margin

You have control, so now you have room. This is where planning does its heaviest lifting.

STAGE 03

Impact

You have real margin, so you can make a bigger difference in the areas that matter most.

Financial planning is built to help you make the most of your margin, so you can get to impact quicker.

Why us

Plans built by a real CFP®. Not a call center.

Fiduciaries, not salesmen

By law we can only act in your best interest. No sales pitch. No pressure. Just advice given with wisdom and love.

Sensible guidance, not confusion

We say it in plain terms. We work together to take the uncertainty out of your money and put confidence back in.

Stewardship Financial as an entity is not a CFP® Professional. Brian Ream is a CERTIFIED FINANCIAL PLANNER™ Professional. Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board's initial and ongoing certification requirements.

What it costs

Simple, and lined up with you

Financial planning is not a separate product you buy anymore. It comes with wealth management. So your cost is simply the fee for managing your investments, based on a percentage of what we manage for you.

  • On the first $500,0001.25%
  • On the next $1,000,0001.00%
  • On the next $3,500,0000.75%
  • On anything above $5,000,0000.50%

Here is the one exception. If you have less than $200,000 with us, there is also a $189 per month financial planning fee. Once you cross $200,000, that fee goes away and your financial planning is simply included. There is no minimum to work with us.

How it is paid

No checks. No manual payments. Your fee comes out of your account automatically each month, just one-twelfth of your annual fee.

Why we charge this way

We do not earn commissions for selling investments. Our income only grows when your investments grow. Our goals are lined up with yours.

An example

Say we manage $850,000 for you. Here is the breakdown.

  • Because it is over $200,000, there is no $189 per month planning fee
  • First $500,000 at 1.25%
  • Next $350,000 at 1.00%
$9,750per year
$812.50per month
See it on wealth management or call us at 602-384-2604
Your team

Real people. Local. On your side.

Jake Norton Jake NortonFinancial Advisor and Founder Brian Ream Brian ReamCERTIFIED FINANCIAL PLANNER™ Professional Donna Rivituso Donna RivitusoCustomer Experience Manager

Let's build your plan

Become a client and your financial plan comes with it. Start with a free call. We will show you exactly where you stand and where you could go.

Schedule a free call Call or text 602-384-2604

No pressure. No obligation. Just a conversation.

Questions

Common questions about financial planning

Do you still offer the monthly financial planning membership?
No. We no longer sell financial planning as a standalone monthly subscription in Gilbert or anywhere in the East Valley. Financial planning is now included when we manage your investments. It is part of being a client, not a product you buy on its own.
Do I have to pay for financial planning separately?
Not as its own subscription. It comes with wealth management. When we manage $200,000 or more for you, there is no separate planning fee. You can see the full fee schedule on our wealth management page.
Who builds and manages my plan?
A CERTIFIED FINANCIAL PLANNER™ Professional, Brian Ream, works alongside your advisor. The same team that manages your investments also builds your plan, so nothing gets siloed off on its own.
What does financial planning actually cover?
Your plan tracks 10 key financial elements year round, includes an annual plan with clear goals, a paystub review, an insurance assessment, benchmarking against others your age and income, and access to your advisor whenever you have a question.
Is there a minimum to work with you?
No minimum. Many firms turn people away below a certain account size. We built ours so we can work with families at different stages of the journey.
How do I get started?
Schedule a free call. We will look at where you stand, answer your questions, and show you what a plan would look like for your family. No pressure. Book your call here.
Stewardship Financial is a DBA of The Illuminate Group, LLC. The Illuminate Group, LLC is a registered investment adviser in the State of Arizona and California. Registration does not imply a certain level of skill or training. Additional information about The Illuminate Group, LLC, including our current Form ADV Part 2A and 2B, is available upon request or on the SEC's Investment Adviser Public Disclosure website at https://adviserinfo.sec.gov/firm/summary/281386.