True Stewards Advisory

Services

Your whole financial life, in one coordinated plan.

Good planning is more than picking investments. These are the areas we cover together: the core you can count on, plus more as your situation calls for it.

The core of your plan

The foundation we build for you. Open a topic for the short version; the full guide is coming to its own page.

Cash Flow & SavingKnow exactly what comes in, what goes out, and what's free to move you toward your goals.
  • A clear picture of your income, spending, and saving in one place
  • A simple system to fund your goals without tracking every dollar
  • Guidance on how much to keep in an emergency reserve
  • A smart order for paying down debt when it's part of the picture
Explore Cash Flow & Saving →
InvestingA low-cost, diversified portfolio you understand and can stick with through the ups and downs.
  • A globally diversified mix matched to your goals and timeline
  • Low costs and low turnover, with a blended expense ratio under 0.2%, so more of your money stays invested
  • An evidence-based approach, not forecasts or hot tips
  • Coordination across all your accounts, including your 401(k)
  • Enough teaching that you could explain the strategy to a friend
  • Coaching to help you avoid the behavior gap: the average fund investor has trailed the very funds they own by more than a percentage point a year, mostly from poorly timed buys and sells (Morningstar's Mind the Gap)
Explore Investing →
Retirement IncomeTurn a lifetime of saving into a steady, reliable paycheck that lasts.
  • A clear answer to where your income comes from, and in what order
  • A withdrawal plan built to last as long as you do
  • Timing choices that lower taxes across your whole retirement
  • A plan stress-tested against down markets and a long life
Explore Retirement Income →
Tax PlanningKeep more of what you earn by planning taxes all year, not just in April.
  • A forward look at this year and the years ahead
  • Smart timing of income and withdrawals to smooth out taxes
  • Coordination with your CPA (I don't prepare your returns) so nothing pulls in two directions
  • Moves aimed at your lifetime tax bill, not only this year's
Explore Tax Planning →
Insurance & ProtectionThe right coverage so one bad event doesn't undo years of careful planning.
  • A check of where you're under-covered or paying for too much
  • Right-sized life and disability coverage for your family
  • Coverage put in place and revisited as your needs change
  • Protection treated as part of the plan, never a sales pitch

When insurance is the right tool, I can put it in place as part of your plan and may earn a commission on a policy. I'll always tell you when that's the case.

Explore Insurance & Protection →
Estate PlanningMake sure your wishes are clear and your family is spared confusion later.
  • The essentials you need: a will, healthcare directive, and powers of attorney
  • Beneficiaries and account titling that match your wishes
  • An attorney brought in when your situation calls for it
  • Your estate plan kept in sync with the rest of your plan
Explore Estate Planning →
Social SecurityClaim at the right time to get the most from a benefit you've paid into for decades.
  • A look at how timing changes your lifetime benefit
  • Coordination with a spouse's benefit and your other income
  • How your claim interacts with taxes and Medicare
  • A clear recommendation, in plain terms
Explore Social Security →
Healthcare & MedicareHead into retirement with your healthcare handled and your premiums kept in check.
  • A plan for enrolling in Medicare on time, without costly missteps
  • How your income affects what you pay, and ways to manage it
  • Bridging coverage if you retire before 65
  • Making the most of a health savings account while you're still eligible
  • These choices coordinated with your tax and income plan
Explore Healthcare & Medicare →

When your situation calls for it

You won't need all of these. We add them only when they fit your life.

Equity CompensationTurn company stock and options into diversified wealth without an avoidable tax surprise.
  • Plain-language guidance on what you hold and when it vests
  • A plan to reduce concentration in company stock on your terms
  • Timing decisions that manage the tax hit
  • Equity folded into your broader goals, not handled in isolation
Explore Equity Compensation →
Education FundingHelp your kids with school without putting your own future at risk.
  • A projection of what education will actually cost
  • The right savings accounts for your situation
  • A balance between funding school and your own goals
  • Coordinating help from grandparents when it's in the picture
Explore Education Funding →
Charitable GivingGive more to the causes you care about, often at a lower tax cost.
  • Giving organized around your values and your budget
  • Tax-smart ways to give that stretch each dollar further
  • Timing gifts in higher-income years for more benefit
  • A simple, repeatable giving plan
Explore Charitable Giving →
Business & Exit PlanningBuild a business that funds the life you want and is ready when it's time to step away.
  • Personal and business finances coordinated, not tangled
  • Retirement saving designed for an owner, not an employee
  • Early groundwork for an eventual sale or transition
  • Your CPA and attorney coordinated around one plan
Explore Business & Exit Planning →
InheritanceMake a windfall count for the long term instead of slipping away.
  • A calm, no-rush plan for what to do first
  • Tax-aware handling of inherited accounts and assets
  • The inheritance folded into your existing goals
  • Avoiding the costly mistakes people make in year one
Explore Inheritance →
Debt StrategyA clear plan to pay down what you owe in the order that helps you most.
  • Which debts to tackle first, and why
  • When borrowing is a sensible move and when it isn't
  • Mortgage decisions weighed against investing
  • A payoff plan that fits your cash flow and goals
Explore Debt Strategy →

A quick, useful starting point

7 Financial blind spots of high earners

1. Named beneficiaries override your will Beneficiary listings on investment accounts override your will entirely. Named an ex-spouse or a late parent? They still inherit, no matter what your will says…
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Not sure which of these you need?

That's what the first call is for. We'll figure out what fits, with no pressure either way.

  • Nothing to buy or sign
  • No fee of any kind
  • Nothing to prepare or bring
Book a call
Jesse Plunkett, financial advisor, with a notepad

Common questions

Do you cover all of this for one fee?

Yes. Comprehensive planning across every core area is included in one transparent annual fee. You can see the full schedule on the home page.

Which of these do I actually need?

You get all the core areas. The situational ones get added only when they fit your life, and we sort out which is which on our first call.

Do I have to invest with you to get the planning?

Planning and investing fit together: the plan drives the portfolio, and the portfolio is where much of the tax and income strategy actually happens. We can talk through what makes sense for you.

Do you handle insurance, or just refer it out?

When insurance is the right tool, I can put it in place as part of the plan. I may earn a commission on a policy, and I will always tell you when that is the case.

Do you work with clients in my state?

Almost always. Everything is handled virtually, so where you live is rarely a barrier. The only exception is a handful of states where I am not registered yet, and if that is you, I will tell you on our first call.