As a financial advisor with Fortis Lux Financial, Steve empowers business owners by helping them to align their ‘personal’ and ‘business’ finances so that they can make well-informed decisions and ‘exit’ their business on their own terms---just as they always imagined.

The transition from active business ownership to retirement is a significant milestone that requires careful planning and strategic decision making. As a CPA*, CFP®, Steve is uniquely qualified to evaluate the finances of a business and the impact that they will have on the personal finances of the owner at retirement.

Steve earned his CPA* designation in 1984 and his CFP® (CERTIFIED FINANCIAL PLANNER®) certification in 1992. Steve’s CPA* background has provided him with the education and ‘hands-on’ experience of helping business owners in the areas of tax strategies and preparation, financial statement and cash-flow analysis, and budgeting. This prior experience is valuable when working with his current clients.  As a CFP® professional, Steve provides financial planning services to his clients that can include, among other things, creating personalized plans for investments, retirement, insurance, and estate planning.  

Steve’s process is best suited for the owners of closely held businesses…

• Who are about 10 years away from retirement
• With gross annual revenues of at least $5MM
• Concerned with the financial well-being of their immediate family, and
• Concerned about the well-being of everyone else that is dependent on their business

Steve’s business owner clients want…

• Help in clarifying their vision for retirement, considering factors such as lifestyle, travel plans, and healthcare needs
• A comprehensive evaluation of the business to help determine a fair and reasonable market value for the business
• To learn about the various ‘exit’ strategies available to them
• To develop a comprehensive succession plan, whether passing the business to family members, selling to employees, or seeking an outside buyer

*Licensed, but not practicing. Neither MML Investors Services, LLC nor any of its subsidiaries, employees or representatives are authorized to give legal or tax advice.  Consult your own personal attorney legal or tax counsel for advice on specific legal and tax matters.  Fortis Lux Financial does not provide qualified business valuations. For a qualified or certified business valuation, consult a properly credentialed appraiser.