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Stephanie McCullough

Dedicated to women on their own who want a true partner in $$ decision-making.

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Contact Me
Sofia Financial Stephanie McCullough
Berwyn, PA

Serving Clients Nationwide

Dedicated to women on their own who want a true partner in $$ decision-making.

(610) 640-7641

Website

Areas of Focus

  • Financial Life Planning
  • Insurance
  • Investing
  • Investment Management
  • Retirement Planning
  • Saving for College
  • Setting Up Retirement Accounts
  • Social Security
  • Socially Responsible Investing

About Me

I am passionate about empowering women to make wise financial decisions and reduce their areas of money stress. My focus is working with women on their own who are 45 and up, because they really have no one to talk to about their financial stuff. We create a safe space to have the intimate conversations necessary to get clear on your money!

Affiliations

  • Financial Planning Association
  • The AGC

Primary Location

1055 Westlakes Drive, Suite 300 Berwyn, PA 19312

Meeting Options

  • Video Conference
  • In-Person
  • Phone
  • Webinars
Book Intro Call

Compensation Methods

  • Package Offers
  • Per Session
  • Percentage of Assets Managed
  • Subscription

What to expect in the first meeting

I always suggest starting with a free 20 minute consultation where you can ask about me. My main question to you is, "What are you hoping I can do for you?" I want to be sure that is in alignment with what I do and how I work. You are NEVER required to bring numbers or statements to the first meeting or, heaven forbid, before it! That's just one more obstacle to getting the conversation started and helping you figure it all out. We hold your hand along the way.

Offers Investment Management

Yes

About our Firm

⭐ FINANCIAL PLANNING FOR WOMEN
What would be possible if you were financially confident, if your money worries went away and you were free to spend your time and energy on the things that are truly important? What would change for you? We believe if more women were financially secure and exercised their economic power, the world would be a better place. We help our clients build confidence, resilience and joy in their lives. It’s not just about the money!

In truth, women of a certain age are faced with a particular set of problems around the goal of retirement. Especially women who are facing it on their own. And the traditional financial services industry is ill-equipped to handle this problem.

We work with independent women — whether single, divorced, widowed or married — who want a partner in their financial decision-making.
Most of our clients are 45+ years old and are starting to think about retirement in one form or another.

Smart women like you come to Sofia Financial feeling overwhelmed and paralyzed because finance is not your area or interest or expertise. You want to learn and understand, without feeling like you’re studying for an advanced degree.

Working with Sofia, you’ll be heard and seen for the individual you are. We offer a judgement-free zone where you’ll find encouragement, education and a caring team of experienced professionals to truly partner with - so you don’t have to face their financial future alone!

⭐ How We Work:
Phase One: Exploration & Design- Through several meetings and in-depth personal conversations, we’ll explore what you want, what you value, how you want to live, and what money means to you. No homework is needed for these first meetings — you know the answers already!

What we’ll cover:
✔️ Values & Vision: What do you want your life to look like?
✔️Money Relationship: What does money mean to you?
✔️ Dollars & Sense: What does your current financial picture look like?

Next, we’ll look toward and design your future, imagining various possibilities and understanding the tradeoffs inherent in each decision. We’ll also discuss various financial strategies (in plain English), and make a plan, choosing specific actions and guidelines around income, spending, saving and investing that will work for you going forward.

What we’ll cover:
✔️Customized Projections: Number crunching and scenario building.
✔️Collaborate on Strategies: Making a plan by choosing specific actions and guidelines that will work for you going forward.
✔️Preferences & Guidelines: Setting up your financial life so it doesn't stress you out, so you have the amount of engagement you feel comfortable with.
Using custom tools we have developed including the Money Map, Money Policy Statement, and Itinerary Action Plan, by the end of Phase One you’ll be ready to take action.

Phase Two: Implementation- It’s great to think and talk about money moves, but nothing is accomplished until you actually take action. This is where things start moving and we put your money to work in appropriate accounts and products.

It’s great to think and talk about money moves, but nothing is accomplished until you actually take action. This is where things start moving and we put your money to work in appropriate accounts and products.

What this looks like:
✔️We will discuss reasonable expectations and set up our system for ongoing evaluation and review.
✔️Our team works on the messy details so you don’t have to, keeping you informed and aware along the way.
✔️At regular review meetings, together we’ll look at how we’re doing, what has changed, whether our chosen strategies are performing as expected, and if we need to update our assumptions or re-run projections. We also emphasize knowledge and empowerment, so your financial confidence and resilience continues to grow over our time together.
✔️At any time between review meetings, we are your accountability partner and decision coach for whatever comes up along the road. Never hesitate to reach out with a question or concern.

⭐ What if I just have a couple of burning questions?
✔️THE QUEST is designed as a cost-effective way to give you direction on the one or two issues that are most pressing. Access to a fiduciary, objective financial planner without a long-term commitment (or being pressured to buy a product!).
✔️In a ninety-minute face-to-face session, we ask the key questions, listen deeply, and review any documents you have to share. Together we’ll come up with specific, actionable recommendations. You’ll likely have homework, but also clarity on next steps.

Education

B.A. from Duke University, M.A. from the Johns Hopkin

Volunteer Experience

I serve on the steering committee for the Women's Economic Security Initiative, a collaborative effort coordinated by Women's Way in Philadelphia. https://womensway.org/grantmaking/wesi/

Awards and Honors

  • Investopedia Top 10 Financial Advisors 2023
  • Investopedia Top 100 Financial Advisors 2021 & 2022
  • Purse Strings Approved Professional

Badges

Languages

  • English

Hobbies and Interests

  • Boating
  • Cooking
  • Eating Out
  • Music
  • Reading
  • Traveling
  • Wine
  • Yoga

SEC Lookup

View Disclosure

Who We Serve

  • Baby Boomers
  • Divorce
  • Gen X
  • LGBTQ
  • Single Women
  • Widow
  • Women in Transition
  • Women Professionals
  • Women’s Finance

To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

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