Stephen Roth CFP®
I started my career at Prudential in 2003, just before a wave of baby boomers, including my parents, began to retire. My experience in the insurance channel gave me a unique perspective on protection, estate planning, and employer benefits—key components of financial planning alongside investment knowledge.
Another significant area I focused on with couples was retirement income planning. Prudential was the pioneer in introducing variable annuities (VAs) with options for living benefits, offering a lifetime income benefit in addition to basic death benefits. Experiencing market fluctuations firsthand provided me with invaluable insights into risk management.
Today, couples face intricate financial challenges driven by digital advancements and changing tax laws. Many find discussing finances emotionally challenging, which hinders progress. I provide ongoing financial advice for those who value both family and money, aiding them in setting personal goals to meet savings targets and cash flow needs while avoiding financial comparisons with others. The couples we assist seek an enduring relationship that offers them reassurance when needed.
Recognizing true potential and staying on course can alleviate financial anxiety and enhance work-life balance. Achieving this balance is crucial to ensuring clients can enjoy their lives while preparing for the future.
I am passionate about guiding couples through their financial journeys with confidence and clarity, in an effort to transform uncertainties into potential opportunities for growth and security.
