Steve Witter, CFP®, CSLP®

Fee-Only Financial Planning for those aged 50+ who are retired or close to it.

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Bentham Wealth Advisors Steve Witter, CFP®, CSLP®
Williamsville, NY

Serving Clients Nationwide

Fee-Only Financial Planning for those aged 50+ who are retired or close to it.

12 Certified Advisor Reviews™
5 out of 5 Stars
Jump to Reviews

Areas of Focus

  • Investing
  • Investment Management
  • Public Service Loan Forgiveness (PSLF) Advising
  • Retirement Planning
  • Saving for College
  • Student Loan Advising
  • Tax-Smart Distribution Planning
  • Taxes

About Steve Witter, CFP®, CSLP®

Hi, I'm Steve Witter. I’m a proud graduate of State University of New York (SUNY) at Geneseo, where I received a Bachelor of Arts Degree in Economics, and the College for Financial Planning. In addition, I hold the CERTIFIED FINANCIAL PLANNER™ certification – exemplifying my commitment to the highest standards of integrity and professionalism.

I began working in financial planning as a junior in college so you could say I have been doing this my whole adult life (probably longer)! These early experiences taught me that there is a right and a wrong way to be a financial planner.

On the personal front, I was born and raised in Buffalo, NY, the son of a teacher and auto industry executive.

My wife, Rebecca, and I live in Elmwood Village of downtown Buffalo with our daughters Reese, Ruthie and Raffie, and our golden retriever, Ruben.

Sports have always been a big part of my life as I played golf, baseball and basketball in high school. I still play, but baseball has turned into bar league softball.

Rebecca and I are avid bike riders (she is much better than me as she does triathlons and wins some!). A passion of both Rebecca and mine is travel so we try and go on as many trips as we can.

Professional Designations

  • CERTIFIED FINANCIAL PLANNER ®
  • Certified Student Loan Professional (CSLP)

Affiliations

  • Fee Only Network
  • National Association of Personal Financial Advisors

Primary Location

300 International Dr. Suite 100 Williamsville, NY 14221

Meeting Options

  • Video Conference
  • In-Person
  • Phone

Compensation Methods

  • Fee Only
  • Percentage of Assets Managed

What to expect in the first meeting

Click the 'Book Intro Call' button above to schedule an introductory conversation. This is everyone’s opportunity to get to know each other. No stress. No pressure. No need to prepare anything. It’s just a 20-minute meeting so we can meet one another, see if we’re a good match and we can help you. I look forward to speaking with you.

Offers Investment Management

Yes

About Bentham Wealth Advisors

At Bentham Wealth Advisors, we are a fee-only, fiduciary financial planning and investment advisory firm based in Williamsville, NY.

Our mission is simple: put our clients first, always. We work with those nearing retirement specializing in SUNY employees and New York State teachers. As a fee-only firm, we never accept commissions or product incentives—our advice is independent, transparent, and entirely centered on your best interests.

We take pride in offering deeply personalized and comprehensive financial planning services. From money coaching and retirement planning to student loan strategies and education funding, we help you make confident, informed decisions every step of the way. We also coordinate with your CPA, attorney, and other professionals to streamline the moving parts of your financial life—so you can spend less time on paperwork and more time focused on what matters most.

Our team is passionate about helping clients build long-term financial confidence. Whether it's crafting a tax-efficient investment strategy, optimizing Social Security benefits, or reviewing estate and insurance plans, we’re here to guide you with clarity and care.

At Bentham Wealth Advisors, we believe that when your financial life is in order, everything else feels a little more possible—and we’re honored to help make that happen.

Education

SUNY Geneseo, Bachelor of Arts Degree in Economics

Hobbies and Interests

  • Baseball
  • Basketball
  • Cycling
  • Exercising
  • Family
  • Golf
  • Softball
  • Sports
  • Traveling

Who We Serve

  • Baby Boomers
  • Corporate Executives
  • Couples
  • Dual Income Family
  • Educators
  • Families
  • Gen X
  • Gen Y / Millennials
  • Government Employees
  • Healthcare Professionals
  • Individuals
  • Living in Retirement
  • Nonprofit Employees
  • Parents
  • Physicians
  • Widow

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.

Write a Review


By clicking submit, you acknowledge this review is based on your own experience and reflects your genuine opinion. You also agree to our review policy, privacy policy, and terms and conditions, and give this financial advisor permission to publicly display your review on their website.

5 Stars

✅ Wealthtender Certified Advisor Review™
Sep 2, 2025
Very pleased with the financial and investment advice I have received from George at the onset of my career, and from Steve as I near retirement. They have always taken the time to explain things to me thoroughly and make me aware of my options. The story of the name is such a beautiful way to honor a loved one(s).
Relationship to Financial Advisor: Client as of Sep 2, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Jennifer Nuttle
Jennifer Nuttle

5 Stars

✅ Wealthtender Certified Advisor Review™
Aug 30, 2025
   
Relationship to Financial Advisor: Client as of Aug 30, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for David Harris
David Harris

5 Stars

✅ Wealthtender Certified Advisor Review™
Aug 28, 2025
I have been working with George for MANY years. He has been a wonderful steward of my finances. While I have not met Steve, I am confident that he shares the same commitment and values as George.
Relationship to Financial Advisor: Client as of Aug 28, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Nancy
Nancy

5 Stars

✅ Wealthtender Certified Advisor Review™
Aug 26, 2025
Not spring chickens and made some changes that were new to us and Steve and George were patient and reassuring. We are very grateful.
Relationship to Financial Advisor: Client as of Aug 26, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Ken P
Ken P

5 Stars

✅ Wealthtender Certified Advisor Review™
Aug 26, 2025
I have dealt with these people for years, all right decades, ALL RIGHT scores. There is a reason for that is that they posses integrity, character, and honesty. When you call with a concern, their is no directory you go through to reach them; if not right away, then shortly, they will get back to you. I am thankful for their trustworthiness and knowledge as they guide my future.
Relationship to Financial Advisor: Client as of Aug 26, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Melissa Wiese
Melissa Wiese

5 Stars

✅ Wealthtender Certified Advisor Review™
Aug 25, 2025
Bentham Wealth Advisors have been wonderful taking care of my financial portfolio. George and Steve regularly make adjustments for me to protect my investments. I am very satisfied with how they stay on top of the market fluctuations and get a jump on moving me into safer areas that i have asked them to consider for me . That really helps me sleep good at night.
Relationship to Financial Advisor: Client as of Aug 25, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Joe Bova
Joe Bova

5 Stars

✅ Wealthtender Certified Advisor Review™
Aug 25, 2025
We have been with George for over twenty years. We have enjoyed our relationship with both George and Steve. They keep us updated regularly and always inform us of any changes they make to our portfolio. They have been very successful in growing our account and I highly recommend them to anyone who is looking for a financial planner.
Relationship to Financial Advisor: Client as of Aug 25, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Patricia Batt
Patricia Batt

5 Stars

✅ Wealthtender Certified Advisor Review™
Aug 25, 2025
Working with Bentham Wealth Advisors over the past year has been an outstanding experience. From the very beginning, they’ve taken the time to truly understand my financial goals and provide clear, thoughtful guidance every step of the way. What I appreciate most is their ability to explain complex financial strategies in a way that feels approachable and confidence-building. The team is professional, responsive, and genuinely invested in their clients’ success. It’s rare to find advisors who combine such expertise with personal care, and Bentham Wealth does exactly that. I feel grateful to have their guidance on my financial journey and would highly recommend them to anyone looking for trusted, long-term financial planning support.
Relationship to Financial Advisor: Client as of Aug 25, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: Spouse of Advisor
Avatar for Rebecca Witter
Rebecca Witter

5 Stars

✅ Wealthtender Certified Advisor Review™
Aug 25, 2025
   
Relationship to Financial Advisor: Client as of Aug 25, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Scott H
Scott H

5 Stars

✅ Wealthtender Certified Advisor Review™
Aug 25, 2025
Markets have been volatile the last year. George and Steve have done a great job staying ahead.
Relationship to Financial Advisor: Client as of Aug 25, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Kevin McMahon
Kevin McMahon

5 Stars

✅ Wealthtender Certified Advisor Review™
Aug 25, 2025
When needed, George and Steve are available in an efficient and timely manner. They both have guided me and answered my financial questions clearly. I enthusiastically recommend Bentham Wealth Advisors. Roslyn Sellers
Relationship to Financial Advisor: Client as of Aug 25, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Roslyn Sellers
Roslyn Sellers

5 Stars

✅ Wealthtender Certified Advisor Review™
Aug 25, 2025
George has always advised us in the right direction for our financial future! We are quite pleased with the results we see annually. Thank you, George!
Relationship to Financial Advisor: Client as of Aug 25, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Susan Tracy
Susan Tracy