A Career Centered on Comprehensive Financial Planning
Steven Silber, CFP®, CLTC has worked in financial services since 1998. His professional experience spans comprehensive financial planning, retirement planning, investment planning, wealth planning, risk management, long-term care planning and the coordination of financial considerations that intersect with estate and tax planning.
Over the course of his career, Steven has worked with individuals and families facing a wide range of financial decisions, including the additional complexity that can accompany significant assets, retirement transitions, multigenerational planning and competing long-term priorities.
His approach emphasizes understanding how individual financial decisions interact rather than viewing investments, retirement, insurance, taxes and estate considerations in isolation.
Comprehensive Financial Planning
Experience evaluating how retirement, investments, cash flow, taxes, insurance, estate considerations and long-term objectives interact within a broader financial picture.
Retirement Planning
Experience addressing retirement readiness, income needs, distribution decisions, investment considerations and the financial transition from working years into retirement.
Investment Planning
Experience considering asset allocation, diversification, risk tolerance, tax awareness and portfolio decisions within the context of broader financial objectives.
Wealth Planning
Experience with the additional financial complexity that can accompany substantial assets, including liquidity needs, tax-aware planning, risk management, legacy considerations and coordination among professional advisers.
Long-Term Care Planning
As a CLTC, Steven has extensive professional knowledge relating to long-term care, potential care costs and the financial implications of extended-care needs.
Risk & Protection Planning
Experience evaluating insurance needs and other financial risks that can affect an individual's or family's long-term financial security.
Estate Planning Coordination
Experience addressing financial considerations that intersect with estate planning and coordinating those considerations with qualified legal and tax professionals.
Multigenerational Planning
Experience with financial decisions involving spouses, children, aging parents, legacy objectives and the transfer of wealth across generations.
Experience With Financially Complex Households
Financial complexity often increases as income, assets, business interests, tax considerations, estate objectives and family responsibilities grow. Steven's professional experience includes working with affluent and high-net-worth individuals and families whose financial decisions may involve several of these considerations simultaneously.
His experience includes helping people evaluate how retirement, investments, liquidity, risk management, long-term care and legacy considerations fit together within a broader financial framework.
Professional Approach
Steven's professional philosophy emphasizes clarity, disciplined planning and long-term perspective. Financial decisions are most useful when considered in the context of the broader financial picture rather than as isolated choices.
His experience has reinforced the importance of understanding objectives, evaluating tradeoffs, managing risk and coordinating financial decisions with other professionals when legal, tax or estate-planning considerations are involved.