Stephen Pomanti, MS, MSFS, CFP®, ChFC®, CLU®
Holistic retirement planning for pre-retirees and retirees.
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Serving Clients Nationwide
Holistic retirement planning for pre-retirees and retirees.
Areas of Focus
- Employee Benefits
- Estate Planning
- Financial Planning
- High Net Worth
- High Net Worth Retirement Planning
- Inherited Wealth
- Insurance
- Investing
- Investment Management
- Life Insurance
- Long-Term Care
- Retirement Income Planning
- Retirement Planning
- Risk Management
- Roth Conversion Strategies
- Social Security Optimization
- Tax-Aware Retirement Income Coordination
- Tax-Efficient Planning
- Tax-Smart Accumulation Planning
- Tax-Smart Distribution Planning
- Taxes
- Wealth Management
- Withdrawal Sequencing
- Work from Home
About Stephen Pomanti, MS, MSFS, CFP®, ChFC®, CLU®
Hi, I'm Steve Pomanti, a dedicated retirement planning specialist based in Chester County, Pennsylvania, where I live with my wife and daughter.I founded SP Retirement to bring together my full professional and educational skill set to serve clients without compromise. My goal is to provide you with the highest quality comprehensive retirement planning experience, in an organized and structured fashion, all while significantly reducing your costs.
I am passionate about helping clients gain clarity around their financial situation and explore their options. Drawing upon research-based retirement planning expertise, I work to optimize outcomes and bring each client’s vision of retirement to life. I pride myself on truly listening to and understanding my clients and their goals, then applying my detail-oriented and analytical approach to the crafting of thoughtful, personalized plans.
I began my retirement planning career in 2014, during which time I completed my industry licensing and certifications. In 2018, I began providing financial planning and advisory services to clients while completing my graduate studies in Personal Financial Planning at Kansas State University and Financial Services at The American College of Financial Services.
When I’m not planning retirements, I enjoy quality time with my daughter and family, staying active through outdoor running and fitness, and tackling home improvement projects.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
- Chartered Financial Consultant (ChFC)
- Chartered Life Underwriter (CLU)
- Master of Science in Personal Financial Planning (MSPFP)
Affiliations
- CFP Board
Primary Location
Downingtown, PA, USA
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Based
- One-time Financial Plan
- Other
- Percentage of Assets Managed
What to expect in the first meeting
Click the 'Book Intro Call' button to go to my website and submit the request for a free consultation. We'll get to know each other and I'll listen to understand your unique circumstances so that we can determine the best way to proceed. I look forward to speaking with you.Offers Investment Management
Yes
About SP Retirement
SP Retirement is a fiduciary, comprehensive financial and retirement planning firm located in Chester County, Pennsylvania. We work with individuals and couples from across the country, guiding you through a complete financial and retirement planning process, analyzing and coordinating all the moving parts of your financial life—including financial, tax, insurance, estate planning, and asset management. Our hands-on approach eliminates the guesswork and ensures you are genuinely prepared for the future, leaving no stone unturned.Ways we help our clients:
Financial and Retirement Planning
- How much you need to retire and how much you can sustainably spend throughout retirement.
- How to generate retirement income, with robust education on the various options and methods, helping you to identify and implement your preference.
- Social Security filing strategy.
- Pension option analysis.
- Employee benefits planning, including equity compensation plans.
- Domestic relocation planning. Considering moving or purchasing a second property? Let's identify the impact and see what's possible.
- Managing required minimum distributions ("RMDs").
- Long-term care planning.
- Surviving spouse planning.
- Investment strategy review and recommendations. Ongoing investment management is optionally available, ensuring your investments stay on track with your financial plan throughout your retirement.
Tax Planning
- Roth conversion analysis.
- Withdrawal sequencing (from which accounts to source withdrawals as distributions are made to provide you with the retirement income you need).
- Asset location analysis, to determine the optimal account (e.g., taxable, tax-deferred, Roth) to house particular investments when arriving at your overall asset allocation, for tax-efficiency and tax-planning purposes.
- Tax-loss harvesting.
- Need help with tax preparation? We can also connect you with a trusted preparer.
Insurance Review & Solutions
- Review of Medicare supplement options for those nearing age 65.
- Review and placement of life, annuity, disability, and long-term care coverage to help protect your plan from unexpected events. Placement of insurance is always optional.
- Insights into your property & casualty coverage to ensure all your assets are protected, including connecting you with trusted professionals for competitive quotes.
Estate planning
We review your estate goals then collaborate closely with an attorney to ensure the appropriate documentation is drafted. We coordinate the full process and will be by your side the entire time—from initial discussions through implementation and funding—to make everything efficient and stress-free.
Client-Centric Design:
Lower Cost with Transparent Pricing
We are focused on providing highly competitive and transparent pricing to keep more money in your portfolio. Whether you choose a one-time comprehensive financial plan or ongoing asset management, our rates are intentionally set to significantly reduce your costs. We cut the corporate overhead, putting the savings back in your pocket—it’s really that simple.
Fewer Clients
We purposely maintain a highly focused practice, intentionally limiting our active client base to around 50 families so that we can provide individuals and couples with meticulous planning and service. By capping our client list, you receive the attention, direct communication, and hands-on support you deserve.
Education
Master of Science in Personal Financial Planning - Kansas State University; Graduate Certificate in Financial Therapy - Kansas State University; Master of Science in Financial Services - The American College of Financial Services; Bachelor of Science in Business Administration - Immaculata University
Hobbies and Interests
- Beach
- Computer
- Exercising
- Family
- Movies
- Reading
- Running
- Video Games
- Walking
- Working Out
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Corporate Executives
- Couples
- Dual Income Family
- Educators
- Engineers
- Families
- Gen X
- High Net Worth
- Individuals
- Living in Retirement
- Parents
- Pre-Retirees
- Remote Workers
- Single Women
- Technology Professionals
- Veterans
- Women Professionals
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