Steven M. Gronceski

For over 17 years, Steven has worked in a collaborative team approach with clients and their professional advisors to develop integrated financial planning strategies. Steven spends much of his time focusing on implementing integrated wealth management strategies designed to maximize the wealth for high net worth business owners and individuals. In addition, as a TIAA-CREF authorized advisor, Steven offers specialized knowledge to his clients in the academic and medical professions. Steven focusses on the following financial planning areas: Retirement Planning - As a CERTIFIED FINANCIAL PLANNER™ Certificant, Steven has undertaken a series of educational courses. This allows him to assist clients that are transitioning into retirement as well as work with clients during retirement, in order to facilitate and maintain their financial independence. Over his years of experience as a financial advisor, Steven has advised hundreds of clients on numerous issues such as pension benefit elections, 401k rollovers, long-term care insurance and income distribution strategies. Income Tax Reduction Strategies - When consulting with the client’s accountant, Steven has suggested and integrated tax strategies that reduce federal and state income taxes, not only today, but also to minimize tax implications in the future. Charitable Planning - In working with his clients, Steven has assisted those philanthropic focused individuals to achieve significant charitable goals. Utilizing various tax reduction strategies, Steven has assisted clients to achieve even more of their personal and charitable intentions. Estate Planning – Steven works closely with the client, the estate planning attorney and accountant to develop a solid estate plan that can maximize the transfer of wealth to the next generation by minimizing federal estate and state inheritance taxes. He brings continuity to trust and wealth planning by working together with National Advisors Trust Company, FSB.