Stewardship Financial Planning

What Stewardship Financial Planning does

Stewardship Financial Planning is a fee-only financial advisory firm founded in 2003 by John Belluardo and headquartered at 90 North Broadway, Suite 218, Irvington, NY. The firm provides personalized financial planning services to individuals and small/medium-sized businesses across retirement planning, investment advisory, college savings, insurance guidance, cash flow management, and 401(k) plan setup. Its core technology is a proprietary retirement planning software that generates customized retirement roadmaps and supports multiple scenario modeling using different assumptions, paired with a bucket-strategy investment framework allocating across conservative and aggressive vehicles based on time horizon and risk tolerance.

The business model is built on a flat-fee and hourly pricing structure with no asset-based fees, no commissions, no referral fees, and no minimum asset requirements — differentiating the firm from percentage-of-AUM competitors. Disclosed pricing ranges from $290/hour for consulting, $800 for one-time work sessions, $2,000-$6,000 for project-based retirement planning, and $2,000-$5,000 annually for retainer engagements covering ongoing investment management and plan updates. Distribution is sales-led through a structured three-step process: a 5-10 minute introductory phone call, an extended complimentary meeting (in-person at the Irvington office, via Zoom, or by phone), and delivery of a customized action plan.

The firm is privately held and founder-owned with no external investors, no parent company, and a small headcount of 1-10 employees. John Belluardo, who holds a ChFC designation from The American College and brings 25+ years of experience from prior roles at TIAA-CREF, Morgan Stanley, KPMG, MBIA, and GM Asset Management, personally handles all financial planning work. The firm's market is regional (New York area), its client base is distributed across consumer retail and SMB segments with no disclosed enterprise anchors, and its growth orientation is organic and relationship-driven rather than venture-scaled.

Name

Stewardship Financial Planning

Legal name

Stewardship Financial Planning

Website

https://stewardship-fp.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

Stewardship Financial Planning is a fee-only financial advisory firm in Irvington, NY, founded in 2003 by John Belluardo. It offers flat-fee retirement planning, investment, college savings, insurance, and 401(k) setup services to individuals and small businesses without minimum asset requirements.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Financial Coaching & Budgeting Advisory (FSAEAAAH), Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Retirement planning services
• Fee-only financial advising
• Investment advisory services
• College savings planning
• Personal financial planning

Headquarters

HQ city

Irvington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Project Work Fees: One-time project-based fees for retirement planning and other services. Fixed dollar amounts based on scope of work.
2. Annual Retainer: Ongoing investment management and/or annual update of retirement plans. Charged as fixed annual fee.
3. Work Session: One-time work sessions for addressing specific financial concerns, up to two hours.
4. Hourly Consulting: Hourly-rate consulting for addressing specific financial concerns with unlimited time.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels1 record

Core offering

Stewardship Financial Planning is a fee-only financial advisory firm offering personalized retirement planning, investment advisory, college savings, insurance guidance, cash flow budgeting, business retirement plan setup, and one-time financial work sessions. Services are delivered through direct consultations and supported by proprietary retirement planning software that generates custom, scenario-based plans for clients at any stage of their financial journey.

Product overview

Stewardship Financial Planning is a fee-only financial advisory firm offering a unified suite of financial planning services centered on unbiased, client-first guidance. The core offerings include Retirement Planning (using proprietary software for custom retirement roadmaps), Investments (bucket-strategy allocation across No-Load Mutual Funds and ETFs), College Savings (529 plan strategies), Insurance Advice, Cash Flow & Budgets, Retirement Plans for Businesses (401k setup), and Unique Financial Situations (one-time work sessions). All services operate under a flat-fee or hourly pricing model with no asset-based charges or commissions, ensuring objective advice focused solely on client needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Retirement Planning

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Others

• Schwab Intelligent Portfolios: Charles Schwab's automated investment advisory product. Adjacent competitor that captures fee-sensitive investors who may otherwise seek out a fee-only planner like Stewardship, particularly for the investment portion of the relationship.

Emerging players

• Betterment: Leading robo-advisor offering automated investment management plus access to CFP-led financial planning at a flat subscription. Competes for the same planning-curious, price-sensitive clients with a primarily digital delivery model.
• Wealthfront: Automated investing and financial planning platform with low fees and no account minimums. Adjacent competitor for the entry-level planning and investment management segment of Stewardship's market.

Direct peers

• XY Planning Network: Network of fee-only financial advisors serving Gen X and Millennials with flat-fee pricing and no AUM minimums. Directly comparable on fee structure, target client mindset, and advisor-led service delivery.
• Facet Wealth: Tech-enabled, fee-only flat-fee financial planning firm serving clients nationally without asset minimums. Highly comparable business model to Stewardship's flat-fee, no-commission, no-minimum structure, with technology as a delivery multiplier.
• Ellevest: Fee-only financial planning and investment platform with flat-fee coaching subscriptions. Comparable as a flat-fee, no-commission advisor, though differentiated by technology-led delivery and a specific demographic focus.

Broad incumbents

• Fisher Investments: Large fee-based investment advisor using a flat percentage-of-AUM-style structure serving high-net-worth clients. Comparable as a flat-fee-oriented advisory firm, though operating at significantly larger scale and AUM-driven economics.
• Vanguard Personal Advisor Services: Hybrid robo-plus-human advisory service from Vanguard offering ongoing financial planning and investment management at low cost. Competes for the same fee-sensitive, planning-oriented clients but with brand scale and technology infrastructure Stewardship lacks.
• Personal Capital (Empower): Digital-first financial planning and wealth management firm combining free planning tools with paid advisory services. Competes across the same planning categories Stewardship serves, with significantly larger scale and a tech-enabled delivery model.
• Creative Planning: Large fee-only RIA offering comprehensive financial planning, retirement, and investment services to individuals and businesses. Comparable on fiduciary, fee-only positioning but operates at vastly greater scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stewardship Financial Planning