CFP® Board Definition of Financial Planning: Financial Planning is a collaborative process that helps maximize a clients potential for meeting life goals through financial advice that integrates relevant elements of the clients personal and financial circumstances.
The Wealth Management Formula
Couples who partner with Limestone Financial Group are often doing well financially but feel persistent anxiety and uncertainty about their future financial decisions. While they may look good on paper, they lack confidence in making financial choices and connecting them with their goals to work toward achieving them. They may already have an advisor, but inconsistent follow-through leads to misaligned accounts and gaps in understanding their long-term vision. Managing their own finances while working for a high salary is a lot to juggle—blind spots occur easily, anchoring them to their preferences and biases, which limits opportunities.
Uncertainty about decisions causes apprehension and makes us second-guess our spending and even question career choices, often resulting in less fulfilling roles in favor of just "a job." We believe in using financial planning as a process and method to make informed financial decisions, or as a conceptual framework to intentionally model behavior. Many out there are often "winging it," arriving at financial decisions by randomly seeking answers through trial and error.
I understand firsthand the unique challenges faced by dual-income households with children and aging parents, which can feel like living in a constant state of triage. Our first step with potential clients is to identify what is most important to them, then define the scope of services and work to be done in order to address gaps and provide recommendations based on their priorities. Limestone follows the CFP Board’s Code of Ethics and Standards of Conduct and upholds our fiduciary duty to our clients in advisory accounts. This is a commitment we make to the CFP Board to maintain high standards of competency and ethics.
We charge a fee for our financial planning services to compensate for the planning and financial analysis involved. Typically, the financial services and advice I provide are ongoing—assessing potential tax exposure depending on the year, tracking and monitoring progress versus goals. Initially, our primary goal for new relationships is ensuring they have enough saved and a plan for income to maintain the same lifestyle through retirement. Beyond that, clients often want remaining assets for children and grandchildren, usually earmarked for future education expenses. This is not possible for everyone, which is why we are not for everybody.
Our goal is financial wellness—a state of good health that requires ongoing maintenance, an "active pursuit." This includes physical, mental, emotional, and psychological aspects that all contribute to our overall well-being. Not many know this, but Limestone was founded with ancient traditions and Hermetic principles in mind. The pyramids were built from limestone blocks as the foundation, symbolizing strength and permanence.
Our work goes beyond the numbers to help clients stop comparing themselves financially to others. Having a sense of purpose has been shown to increase life expectancy and happiness. I believe that families have growth needs that are both financial and personal. My goal is to align these two harmoniously through financial planning to help clients lead fulfilling lives.
If you’re tired of feeling overwhelmed, are unsure of what may be preventing you from reaching your financial goals, and are ready to change, let’s talk.
What Our Clients Have to Say
I have known Steve Roth since 2006. He was assigned my whole life policy after my previous advisor retired. He asked for a face to face meeting so he could introduce himself. At that introduction, Steve explained he wanted to help with my financial life goals both short term and long term. Steve listened to my needs and made recommendations. He was never pushy and always answered whatever questions I had. I am the kind of person that needs to think about recommendations and come to my own conclusion after researching. Over the years, through Steve’s advice, I have been able to meet my short term goals assisting our children with college tuition, weddings and down payments for their first homes. Additionally, my long term goal for a financially stable retirement was achieved. I am now 67 years old and retired at 65. The plan we put together and implemented over 15 years has been successful. Steve has demonstrated over the years that he truly cares about his clients. I have recommended many family members and friends to Steve. We have developed a friendship beyond professional. I consider Steve as part of my family.
- Frank B.
I have had the honor of having Steve Roth as our financial advisor for about 13 years. My wife lost her job and we needed to roll over her retirement fund into an IRA. We didn’t know where to turn but since I had a Prudential IRA I called Prudential. They sent Steve to us and he arranged for the roll over and even adjusted my IRA. When Steve left Prudential we went with Steve and he started handling our accounts. It was the best move we could have ever made. Steve kept us up to date with how things were going and his personal touch made us feel like we were important to him and our account was important also. He also is so easy to talk to and we could talk about any topic. I felt it was his way of getting to really know us and thus how to handle our accounts. I believe because of the way Steve handled our accounts, my wife and I were able to retire 2 years sooner than originally planned. At the present I am dealing with the estate of my late brother and knowing I have Steve to help me with the handling of the funds has helped me knowing I have Steve to make the right decisions. I have recommended Steve to friends and co-workers when they have questions regarding their finances and are looking for an advisor and will continue to do so. Steve makes you feel like he really is concerned and wants to do the best for you.
- Gary F.
All of the above testimonials are from current Limestone Financial Group clients, and no compensation has been given for their statements. Individuals were selected based on having a positive experience with our firm and being willing to say a few words relating to their experience. Every client's experience will differ. Future results cannot be guaranteed.
