Steven Calio, CFP®
Specializing in equity compensation for pre-retirees and retirees
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CSG Financial
Steven Calio, CFP®
Dover, DE
Serving Clients Nationwide
Specializing in equity compensation for pre-retirees and retirees
5 out of 5 Stars
Jump to Reviews
Areas of Focus
- Employee Stock Options
- Equity Compensation Options
- Investment Management
- Retirement Planning
- Taxes
About Steven Calio, CFP®
I help pre-retirees and retirees answer one question: can I retire when I want, and how do I turn what I’ve built into income that lasts? Many of my clients spent their careers at public companies and are carrying RSUs, stock options, ESPP shares, or a concentrated stock position into retirement. I help them decide what to sell, when, and in what order, coordinating taxes, Roth conversions, Social Security timing, and Medicare premiums so the whole plan holds together.As a fee-only fiduciary, I’m paid only by my clients — no commissions and no products to sell. I co-founded CSG Financial in 2024 with two partners after starting my career at one of Delaware’s largest wealth management firms.
I’m a CFP® professional with a B.S. in Marketing from the University of Delaware’s Lerner College of Business & Economics. I meet clients by video or in person. Outside of work, I love spending time with my family and am working toward visiting all 63 U.S. national parks.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
Affiliations
-
CFP Board
- Fee Only Network
- Financial Planning Association
- National Association of Personal Financial Advisors
- XY Planning Network
- Fee Only Network
Primary Location
3980 N. DuPont Hwy Dover, DE 19901
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Flat Fee
- Offers Advice-Only Services
- One-time Financial Plan
- Percentage of Assets Managed
- Subscription
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a complimentary, no-obligation meeting or phone call to delve into your objectives and explore potential collaboration opportunities. This initial step involves understanding your needs and how we can be of assistance. I look forward to speaking with you.Offers Investment Management
Yes
About CSG Financial
CSG Financial is an independent, fee-only financial planning firm founded in 2024 by three advisors who started their careers together at one of Delaware’s largest wealth management firms. There, we saw the same problems again and again: cookie-cutter plans, high fees, limited access to advisors, and complicated products. We started CSG to do it differently.Each of our partners focuses on a group of clients whose finances come with specific challenges:
Pre-retirees and retirees with equity compensation (Steve Calio, CFP®): turning RSUs, stock options, and ESPP shares into retirement income, while managing taxes and concentrated stock.
Business owners (Zack Stone): retirement plan design, owner tax planning, and exit and succession planning.
Radiologists and optometrists (Shane Galante, CFP®, MBA): contracts and partnership buy-ins, student loans, disability coverage, and practice ownership.
We’re paid only by our clients — no commissions and no products to sell — and we act as fiduciaries in every recommendation. Every engagement starts with a written financial plan, which we keep up to date as your life changes.
Based in Dover, Delaware, we work with clients in Delaware, Pennsylvania, and New York, both in person and by video. CSG is a member of NAPFA, the Financial Planning Association, XY Planning Network, and the Fee-Only Network.
Education
University of Delaware, Bachelor's degree, Marketing
Hobbies and Interests
- Exercising
- Family
- Fishing
- Football
- Golf
- Hiking
- Hockey
- Scuba Diving
- Sports
- Tennis
- Traveling
- Volunteering
- Yoga
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Business Owners
- Corporate Executives
- Couples
- Divorce
- Dual Income Family
- Engineers
- Entrepreneurs
- Families
- Financial Independence Retire Early (FIRE)
- Gen X
- Gen Y / Millennials
- Government Employees
- Healthcare Professionals
- High Net Worth
- Individuals
- Living in Retirement
- Parents
- Physician Assistants
- Physicians
- Pre-Retirees
- Technology Professionals
- Travel Lovers
- Young Families
Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.
Write a Review
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5 Stars
✅ Wealthtender Certified Advisor Review™
Aug 26, 2026
Shane has been nothing but helpful since day one tailoring my individual financial planning. He’s trustworthy, reliable, and always willing to roll up his sleeves to get the job done. Shane and his counterparts are building a great platform here and I owe them much credit for helping me consolidate and organize my finances.
Relationship to Financial Advisor: Client as of Aug 26, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Jul 15, 2026
Shane is awesome. He is very easy to talk to and super knowledgeable. He is professional and makes you feel comfortable with the information provided before moving forward with anything. He takes the time to understand where you’re at and where you’d like to be. We have had great success in working with him so far, and we would highly recommend him to family and friends.
Relationship to Financial Advisor: Client as of Jul 15, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
May 27, 2026
My experience with CSG has been truly exceptional. Working with their team throughout my financial journey has been a great experience. Steve and Zack have always been quick to respond and willing to help resolve any issues or concerns I’ve had along the way.Zack, in particular, has taken the time to attend multiple meetings with me, helping me navigate every step of the process with patience and professionalism. I genuinely appreciate the dedication, support, and guidance this team has provided.I am incredibly grateful for CSG Financial and would highly recommend them anytime, any day.
Relationship to Financial Advisor: Client as of May 27, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
May 7, 2026
As adults just starting out, Shane has helped my husband and I get on the right path to becoming more financially responsible and smarter with our money! He is very easy to work and communicate with. If we have any questions he is very responsive and helps lay out the best options for our futures. Would highly recommend this company!
Relationship to Financial Advisor: Client as of May 7, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Apr 27, 2026
Shane has been an incredible financial planner for our family! We’re in the middle of planning some major home renovations, and his guidance has made a huge difference. He takes the time to explain everything clearly, never judges our decisions, and always makes us feel supported.Thanks to Shane, we feel so much more confident about our finances and our future. If you’re looking for someone knowledgeable, patient, and genuinely invested in your goals, we couldn’t recommend him/CSG more highly.
Relationship to Financial Advisor: Client as of Apr 27, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Feb 5, 2026
These guys are extremely informative and knowledgeable. Saved me 10k a year in my first meeting. I would never go anywhere else.
Relationship to Financial Advisor: Client as of Feb 5, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Jan 27, 2026
Relationship to Financial Advisor: Client as of Jan 27, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Jan 27, 2026
Zach and Steve have been a pleasure. They are always available if we have questions and we feel they have steered us in the right direction. Glad to have found someone that we can trust and enjoy working with.
Relationship to Financial Advisor: Client as of Jan 27, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Oct 12, 2025
Zach and Steve are very passionate about their profession. They work tirelessly with the latest technologies, coupled with their enthusism you'll have 100% confidence in their ability to meet or exceed your financial goals. They are always available and can be counted on for efficient/prompt replies. They have the know-how talent to educate clients on complex financial topics which helped me feel more knowledgeable and in control of my finances. Thanks to the CSG Team, I have complete peace of mind knowing that my family is protected.
Relationship to Financial Advisor: Client as of Oct 12, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Oct 8, 2025
Working with CSG has been a great experience. They really take the time to understand my financial goals and help me make sense of everything from investments, budgeting, to retirement. Super easy to talk to and always quick to respond. I feel much more confident about my finances now.
Relationship to Financial Advisor: Client as of Oct 8, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Sep 30, 2025
Shane’s helped me a ton get our house in order. Always willing to take time to answer questions and makes sure I understand.
Relationship to Financial Advisor: Client as of Sep 30, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Jul 18, 2025
I had a great experience working with Zack at CSG Financial and fully plan to continue our working relationship going forward. He’s clearly an expert in his field, but most impressive was his ability to explain everything in simple, layman terms. He took the time to make sure we felt informed and confident in every decision. It’s rare to find someone so knowledgeable and approachable at the same time. Highly recommend
Relationship to Financial Advisor: Client as of Jul 18, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Jun 25, 2025
I went into this experience with CSG not knowing a lot about how to save money and plan for retirement. After less than a year of mentoring from Shane and Zach I already feel way more confident and comfortable with my saving and spending habits. Both of them have been super communicative throughout the process and instrumental in helping me reach my financial goals and I couldn’t be more grateful.
Relationship to Financial Advisor: Client as of Jun 25, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Jun 23, 2025
Me and my partner came to CSG with debt and were uncertain of how to proceed to get out and start saving. Shane and Zach were so easy to talk to and plan together with. If we make a misstep there is no criticism, they just continue to offer us support and come up with a better plan for us! We love CSG and really would not be where we are today without this group. We highly recommend!!
Relationship to Financial Advisor: Client as of Jun 23, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
May 5, 2025
I've worked with CSG since their inception about a year ago as they have provided their guidance and expertise to Optometry residents that I oversee. I also personally have worked with Shane for my own financial planning and cannot say enough good things about my experience. They are always prompt to reply to communications, knowledgeable in their explanations of all things financial, and ensure to provide a personalized experience. Their dedication and compassion for their clients and business are unmatched!
Relationship to Financial Advisor: Client as of May 5, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Mar 13, 2025
I can’t say enough good things about the team at CSG Financial. A friend recommended them when I was looking for a trusted advisor for a family member, and from day one, they’ve been the perfect fit. They’re patient, down-to-earth, and somehow manage to make financial planning feel way less intimidating—no pressure, no confusing jargon, just honest advice from people who actually care. They take the time to listen, answer every question, and make sure my family feels confident in their decisions. They even laugh at my mom’s jokes (which is a real testament to their kindness 😁). It never feels like just business—they truly treat your family like their own. If you’re looking for financial advisors who are smart, thoughtful, and genuinely invested in their clients, I highly recommend them!
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Mar 9, 2025
We came to CSG financial with some knowledge of what we wanted to do. Working with Mr. stone has been very informative about what we need to do, making sure we understood every step we take. He has walked along beside us as he helps us better our future. Meetings are always a positive atmosphere and something we look forward to. I would very much recommend their services. They go above and beyond for their customers
Relationship to Financial Advisor: Client as of Mar 9, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Mar 9, 2025
CSG Financial Team are excellent to work with! They are very well versed especially with novice clients on a very personal financial journey. The team goes the extra mile to ensure their clients achieve the confidence needed to plan for the future. I recommend CSG to anyone looking for peace of mind and the right amount of encouragement! A great, caring team!
Relationship to Financial Advisor: Client as of Mar 9, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Mar 4, 2025
Shane has been great to work with. He is very knowledgeable and answers all of my questions. He always checks in to make sure I'm having my needs met. It's a relief to have someone help me plan for my financial future and make sure I'm making the right decisions today. I highly recommend the CSG team.
Relationship to Financial Advisor: Client as of Mar 4, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Jan 14, 2025
Excellent experience with the CSG team thus far! Extremely knowledgeable, understanding of my time constraints and ever-changing schedules, patient with my lack of understanding of this entire field and willing to take the time to explain options and alternatives to meet my end goals. Exceeding my expectations for growth to date as well - highly recommend you give these guys a call.
Relationship to Financial Advisor: Client as of Jan 14, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Jan 9, 2025
Shane and Zach are amazing! Honest, knowledgeable and supportive. I trust them and I would recommend them to anyone I know. Easy to get in contact with either one of them. They been a great resource for me this past year. If you’re considering giving them a shot I’d say go for it!
Relationship to Financial Advisor: Client as of Jan 9, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Jan 6, 2025
Shane has been a tremendous help and I can’t recommend him enough. If you’re looking for financial planning/guidance/investing, these are the guys for you.
Relationship to Financial Advisor: Client as of Jan 6, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Jan 6, 2025
It’s been great working with Shane, he has been very patient and helpful every step of the way.
Relationship to Financial Advisor: Client as of Jan 6, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Nov 9, 2024
I was hesitant to reach out to a financial advisor as I didn’t even know where to start and the thought of planning that far ahead in my future made me anxious. I was introduced to CSG Financial (specifically Shane first) through a mutual friend and have not looked back! Since the moment I met Shane he made me feel comfortable and explained things in terms I could understand. He never makes me feel pressured to make decisions, but rather helps to guide me based on my future goals! They are easily accessible when I have questions and always open to set up a quick check in. They are prompt at replying and following up. I am very happy with my decision and would HIGHLY recommend them to anyone looking for a financial advisor that you can trust!
Relationship to Financial Advisor: Client as of Nov 9, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Nov 6, 2024
I initially sought out Zack’s help after my mother passed, as I wasn’t sure how to handle her estate. Zack went through a total education with me to help me understand how all of these moving parts worked. Because of this, I’ve been able to not only administer her estate efficiently, I’ve also been able to put together a full plan of what to do afterwards. Zack’s help has been instrumental in helping myself, and my family, have more confidence in our financials, as well as have a plan for anything that comes our way.
Can’t recommend Zack enough!
Relationship to Financial Advisor: Client as of Nov 6, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Nov 4, 2024
The guys at CSG Financial are great to work with and I feel have my best interest at heart.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Oct 6, 2024
CSG finacial has been a pleasure to work with in every aspect in helping me accomplish my financial goals. Looking forward to continuing progress toward accomplishing financial success with the team by my side.
Relationship to Financial Advisor: Client as of Oct 6, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Oct 6, 2024
What I like most about CSG and working with Steve is that they truly put client’s needs first. They started their own group to serve clients’ needs first and foremost. Not only do I feel like my goals are valued and executed for, I am educated on every decision we are making. I highly recommending chatting with Steve!
Relationship to Financial Advisor: Client as of Oct 6, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Oct 5, 2024
An Incredible group. They take a lot of pride in what they do and are all highly intelligent in their work. It’s great to see individuals who truly care about their field, and have a genuine passion for helping people and businesses. Highly recommend CSG
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Oct 4, 2024
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Oct 4, 2024
CSG has helped me plan personally and for my business. I would absolutely recommend them to anyone seeking a trusted advisor.
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
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