Your Financial Partner
Find peace of mind knowing you have an advocate on your side
Committed To Your Retirement Success
Stage Ready Financial Planning provides fee-only financial planning and wealth management for retirement savers over age 50 in Dayton and Southwest Ohio.
You’ve spent decades saving and preparing for this stage of life, but as retirement nears, the "noise" of complicated tax codes and market volatility can feel overwhelming. You shouldn't have to be your own full-time analyst. At Stage Ready Financial Planning, we believe a great retirement isn't just about the accounts you own; it’s about how they work together.
As Fee-Only fiduciaries, our focus remains solely on you. We specialize in helping Dayton and Southwest Ohio families orchestrate their wealth. We don't just "manage accounts"; we coordinate your taxes, investments, and goals into a single, high-performance plan.
From tax-efficient withdrawal strategies to risk-tuned portfolios, we provide the leadership needed to ensure every financial move stays in step with your vision. We handle the math, so you can enjoy the music.
Proud To Be Members Of
Stage Ready Financial Planning is proud to serve the Dayton & Southwest, Ohio communities as a fee-only fiduciary. Membership in these organizations demonstrates our commitment to offering you the highest level of client advice and service.
Investment Management Partner
Altruist
Stage Ready Financial Planning has selected Altruist as the primary custodian for our client’s accounts. As a modern financial custodian, Altruist is responsible for safekeeping client assets, settling trades, and – just like Pershing, Charles Schwab, and Fidelity – adhering to a strict set of policy and regulatory requirements.
With Altruist, you can open and fund your investment accounts in minutes, track your investment progress and view your portfolio’s holdings, and download statements, tax documents, and other essential information in as little as a few clicks. It’s easy, simple, and intuitive. For more information visit www.altruist.com.
Joseph A. Eck, CFP®
Owner & Financial Planner
Since 2015, I have helped families in Dayton and Southwest Ohio harmonize their financial resources with their retirement dreams. Before founding Stage Ready Financial Planning, I served as a Financial Planner at a large firm, where I realized that retirees deserved a more personal partnership—one that orchestrates a plan to stay "in step" with their lives.
With a background in music education and over a decade of experience in financial planning, I believe a confident retirement begins with understanding. I don’t just manage portfolios; I "handle the math" and teach the strategies behind it so you can make informed, great decisions about your future. My mission is to combine my love for teaching with a passion for financial freedom, ensuring your investments are tuned to support your lifestyle.
In addition to my years of experience, I've earned degrees from Wright State University, and the University of Houston, along with an Executive Certificate in Financial Planning from Xavier University. As a CERTIFIED FINANCIAL PLANNER® professional and a member of the XY Planning Network and NAPFA, I am committed to the highest fiduciary standards.
My wife Kristen and I live in Oakwood with our dachshund pups, Lily and Henry. When I’m not "at the podium" helping clients, you can find me enjoying music, fitness, the ocean, grilling with friends, and spending time with my family.
Frequently Asked Questions
