Financial Planning Services in Greater Dayton, OH
Your Local Financial Planner, Expert, and Partner
A Comprehensive, Personalized Approach for Ohio Residents
Our Dayton Ongoing Financial Planning (Only) Services
For retirement savers who are working and primarily invested in employer retirement plans,
Ongoing Financial Planning (Only) from Stage Ready Financial Planning offers the professional guidance you need for a
successful retirement strategy until you're able to have your investments managed.
Ongoing Financial Planning (Only) Includes
- Organizing & Simplifying Your Financial Life
- Retirement Planning & Goal Planning
- Cash Flow Planning
- Asset Allocation Planning
- Tax Planning
- Social Security & Medicare Planning
- Retirement Income & Pension Planning
- Insurance & Estate Planning
Cost of Ongoing Financial Planning (Only)
Starting $495/mo*
*Ongoing Financial Planning (Only) is paid as an annual cost, billed monthly.
The cost can vary based on complexity and may exceed the number listed above.
THE STAGE READY FINANCIAL PLANNING DIFFERENCE
Why Choose a Local Dayton Financial Planner?
Fiduciary Partnership
We are proud to serve the Dayton & Southwest, Ohio communities as fiduciaries. With Stage Ready Financial Planning, you can feel confident knowing that your financial advisor puts your best interest first.
Fee-Only Advisor
Our fee-only service model offers you objective advice with transparent pricing. We never accept commissions. Have peace of mind knowing that we will be your trusted fee-only financial planner.
CFP® Professional
As CERTIFIED FINANCIAL PLANNER® professionals, we are committed to the highest ethical standards and strive to offer you the best advice to help you reach your financial goals.
We are proud members of
Who We Serve
We proudly serve retirement savers throughout the Dayton communities, including:
Dayton, Kettering, Centerville, Beavercreek, Bellbrook
Oakwood, Huber Heights, Miamisburg, Springboro, Fairborn
Vandalia, Tipp City, Wright Patterson AFB Area, And More...
What Does Financial Planning Success Look Like?
Retirement stories from your Dayton neighbors...
Laura & Steve
Laura (age 58) & Steve (age 60) are getting serious about retiring while they are healthy to travel, spend time with family, & go hiking in their favorite national parks. They aren’t sure if they’ve saved enough to support their ideal lifestyle and are worried about building a reliable income from their investments that can weather volatile markets.
Tim & Sara
Tim (age 67) & Sara (age 68) retired last year. They’ve started volunteering for a local charity and joined their neighborhood pickleball league. They haven’t started their Social Security benefits because they aren’t sure how it might impact their taxes. They wonder if they are handling their retirement investments properly to minimize taxes and maximize their income.
Your Financial Planning Experience
Step 1
Get Organized
If we’ve decided to partner together, our first planning meeting will take a deeper dive into your financial life. We do this by first getting a clear understanding of where you are today by building your financial profile and balance sheet as well as prioritizing your major goals and dreams.
Step 2
Align - Spending & Saving
Next, we will review your spending and determine how much you should be saving to reach your goals and retirement needs. We will also focus on eliminating debt as quickly as possible and automating your spending and saving so that your goals come to life with ease.
Step 3
Focus - Investments & Taxes
We then take a look at how your money is growing. The goal is to simplify and focus your investments to match your goals. During this meeting, we also evaluate potential tax savings and simplify your current tax strategy.
Step 4
Protect - Insurances & Estate Plan
During our last onboarding meeting, we ensure you are protected when life goes differently than planned. We will review your life, long-term care, disability, property and casualty insurances and recommend any needed changes. We also discuss your estate wishes and either update or build them so that your loved ones are protected.
Step 5
Ongoing Planning Meetings
We will implement the remaining financial planning recommendations together over time and meet twice per year to ensure that we are making progress and updating your plan as your life evolves. In addition, ongoing planning often means partnering with local attorneys and CPAs where needed to form a strong financial team to support your dreams and goals.
STAGE READY FINANCIAL PLANNING
Ready to Take Control of Your Ideal Retirement?
At Stage Ready Financial Planning, we strive to help you feel secure and prepared. As your fee-only financial planner, we will work with you to build a clear plan for retirement success, and address tax efficiency, taking complexity and worry out so you can confidently live your ideal retirement.
Frequently Asked Questions
While the terms are often used interchangeably, at Stage Ready Financial Planning we see a key difference. Many financial advisors focus primarily on your investments. As a financial planner, we take a more holistic, comprehensive financial planning approach. We help you look at the bigger picture: your investments, your taxes, your income, and your overall plan. Our goal is to ensure you can confidently navigate retirement planning and meet your financial goals. We strive to be your trusted partner, guiding you through every step of your retirement journey in Dayton, OH.
Our Ongoing Financial Planning (Only) service is designed for savers in Dayton, OH who are in the final stages of retirement planning or who've recently retired. While this service is a great fit if you have $750,000 to $1,000,000 or more in investable assets, it's ideal if your money is still tied up in employer retirement plans like a 401(k), 403(b), or TSP. You know you'll eventually need help with wealth management and investment management, but today you need an expert to get your plan right. We help you get your retirement strategy and financial goals in order now, so you're fully prepared to confidently transition your investments when the time comes.
Fee structures can vary widely from firm to firm. At Stage Ready Financial Planning, we are a fee-only financial planning firm, which means our only compensation comes directly from you, our client. This transparent pricing model reduces conflicts of interest and makes sure our advice is always in your best interest. Our Ongoing Financial Planning (Only) service is a subscription that we bill monthly, so you always know what you're paying for. You can view our pricing above on this service page.
At Stage Ready Financial Planning, we are a fee-only financial planning firm. This means our only compensation comes directly from you, our client. Our Ongoing Financial Planning (Only) service is a subscription that we bill monthly, so you always know what you're paying for. You can choose to pay this cost from either a credit card or a bank account. You can view our current pricing above on this service page. For clients who select our Wealth Management service, the fee is based on the investment management we provide and is billed out of your investment accounts instead.
Finding a trustworthy financial planner in Dayton, OH is about finding someone who puts your interests first. Here are a few things to look for:
- A Fiduciary Standard: Look for a fee-only independent firm. This means they are legally and ethically obligated to act in your best interest. A financial planner associated with organizations like: NAPFA, The CFP® Board, and the XY Planning Network are required to be fiduciaries of the highest standard.
- A Defined Process: Do they have a clear, step-by-step defined process? A good financial planner will walk you through exactly how they approach financial planning, from discovery to implementation and ongoing support.
- Local Roots and Expertise: The right financial advisors should understand the financial goals, lifestyle costs, and values of families here in Southwestern Ohio. Even though Stage Ready Financial Planning operates virtually, our specialty is serving the Dayton area, which allows us to have a deep understanding of what it means to be apart of our local community.
- Fee Transparency: A trusted financial planner should be completely upfront about their fees and how they get paid.
As a fee-only, fiduciary independent firm with a CFP® professional, we are committed to the highest ethical standards to help you reach your financial goals.
Yes, absolutely! As a virtual financial planning firm, we specialize in serving retirement savers and families throughout the greater Dayton and Southwestern Ohio area. This includes communities like Centerville, Kettering, Beavercreek, Oakwood, Bellbrook, Springboro, and Fairborn, to name a few. The benefit of being virtual is that we can work with you no matter where you are in the region, or even if life moves you to a new location in retirement. Our goal is to be your go-to financial planning resource in the region, whether you are planning for or are currently in retirement.
Our first introductory meeting is all about you and your financial goals. We'll have a conversation to get to know your family, your questions, and your concerns about retirement planning. It's a no-pressure meeting where we'll listen to your story and understand what a successful retirement looks like for you. If we both feel like we're potentially a good fit for one another, we'll create a personalized, high-level planning overview for you—yours to keep, no strings attached. We'll get back together to review your overview so that you can decide if Stage Ready Financial Planning is the right financial planner for your ongoing needs.
Ongoing Financial Planning (Only) from Stage Ready Financial Planning is designed to be your personalized roadmap to a successful retirement in Dayton, OH. We'll collaborate to create a living, breathing financial plan that we update numerous times per year in strategy meetings. We focus on a number of key areas, such as:
- Retirement Planning: Helping you retire the way you want, with confidence.
- Investment Allocation: We offer advice on your overall investment strategy and asset allocation, but we don't provide investment management with this service. For clients who want us to handle their wealth management and investment management, we offer our signature Wealth Management service.
- Tax Planning: We focus on strategies to help you potentially lower taxes on your hard-earned savings over time.
- Social Security & Medicare Planning: We work with you to select the optimal time to draw Social Security benefits and budget for the right health insurance plan.
- Estate Planning: We help you build a solid estate plan that protects you and your family's wishes.
Yes, absolutely! These are two of the most popular areas of financial planning we focus on. Our goal is to help you build a clear plan, address tax efficiency through smart tax planning, and take the complexity and worry out of the equation so you can confidently live your ideal retirement. We want to help you maximize your income sources, including pensions and Social Security, to support your financial goals.
Yes, Joseph Eck, CFP® is a fiduciary financial planner. Unlike some financial advisors, Stage Ready Financial Planning is a fee-only independent firm. This means we are legally and ethically bound to act in your best interest at all times, putting your needs first.