Steven Sivak (CFP®)

Steven Sivak focuses in the
following client markets or areas of practice:

Cash Flow/Budgets/Credit Issues

College/Education Planning

Entrepreneurs

Fixed Fee (Subscription, Retainer, etc.)

Insurance Related Issues

Investment Advice with Ongoing Management

Planning Specialties

After 10 years working for big Wall Street firms, I realized something that everyone suspects: they are not working in your best interest.

I built Innovate Wealth to filter out the confusion and complexity that the industry likes to create. I use values-based budgeting, a simple, rules-based portfolio management system, and operate as a fee-only fiduciary.

I've worked with clients on:

Optimizing retirement income
Analyzing stock compensation
College planning
Budgeting and cash flow issues
Analyzing/optimizing insurance policies
Implementing a cheaper and simpler investment portfolio

I offer hourly, fixed fee, and percentage-based fees. I believe everyone deserves quality advice, regardless of their net worth or location. I use cutting edge technology and online collaboration to ensure we stay connected wherever you are.

Additional Information

Steve has been in the financial services industry for 17 years with the first 10 working for big Wall Street banks. He is a Certified Financial Planner™ (CFP©) and previously attained the Certified Divorce Financial Analyst (CDFA) and Certified Portfolio Managers (CPM) designations while at Morgan Stanley. He spends his free time reading (a lot of finance!), with his dog Merle Haggard, serving on various community Boards, or doing anything outside or active.