Business Details
10 Years
experience
Trusted Fee-Only Financial Planning & Investment Management
Innovate Wealth was founded in 2016 with a clear mission to prioritize client needs over product sales. As a fiduciary firm, we are legally obligated to act in our clients' best interests at all times. Our fee-only structure ensures transparency, with no hidden commissions or incentives. With over 20 years of combined experience in financial services, our team of Certified Financial Planners and industry veterans brings deep expertise in investment management, tax strategies, and estate planning. We leverage cutting-edge technology to eliminate paperwork and provide secure, cloud-based client interactions. Our customized approach addresses each client's unique financial situation, whether they require comprehensive planning or targeted advice.We specialize in simplifying complex financial matters, from retirement projections to risk analysis, while maintaining low-cost, evidence-based investment strategies. Our commitment to education empowers clients to make informed decisions, and our virtual platform allows us to serve clients nationwide. We measure success through client satisfaction and long-term relationships built on trust and measurable outcomes. By focusing on behavioral finance and avoiding industry pitfalls, we help clients achieve financial clarity and security.
Services
Financial Planning
Investment Management
Tax Services
Estate Planning
Retirement Strategy
Details
- Year established: 2016
Highlights and features
- We are legally required fiduciaries with no product sales incentives
- No investment minimums for personalized financial planning services
- Virtual platform enables nationwide client access with secure technology
- Certified professionals with decades of Wall Street and wealth management experience
- Transparent fee structure with no hidden commissions or kickbacks
Associations and certifications
- Certified Financial Planners Board of Standards
What people say
Transparent fee structure
Personalized planning
Expertise evident
Virtual convenience
Comprehensive approach
Services
Financial Planning
We create customized financial roadmaps addressing retirement, tax optimization, and risk management. Our process includes cash flow analysis, goal setting, and scenario planning. Clients receive ongoing support to adapt plans as life circumstances change.
Investment Management
Our evidence-based approach uses low-cost, tax-efficient strategies tailored to individual risk profiles. We implement systematic rebalancing and provide quarterly performance reviews. Services include asset allocation and 401(k) optimization for long-term growth.
Estate Planning
We facilitate creation of wills, trusts, and healthcare directives through legal partnerships. Our technology streamlines document preparation while ensuring asset protection. Services include power of attorney setup and inheritance planning.
Tax Services
Our tax optimization includes return reviews, projection analysis, and filing assistance. We identify deductions and implement strategies to minimize tax liabilities. Services integrate with overall financial plans for comprehensive tax efficiency.
Retirement Strategy
We develop personalized retirement income plans with distribution strategies and IRA conversion analysis. Services include Social Security optimization and 401(k) rollover guidance to ensure sustainable income throughout retirement.
People
Steve Sivak
Founder & Certified Financial Planner
With 20+ years in financial services and CFP certification, Steve established Innovate Wealth in 2016 to prioritize client education over product sales. He specializes in behavioral finance and holds engineering and financial credentials.
Todd Pierce
Wealth Manager
Todd brings 25+ years of Wall Street trading experience, having navigated major market crises. He focuses on portfolio management and long-term financial planning, combining institutional expertise with personalized client service.
Erin Shilling
Client Services Director
With 12+ years in financial administration, Erin ensures operational excellence. Her background in commercial banking and wealth management supports seamless client interactions and service delivery.
Questions
What does fiduciary mean for my financial planning?
As fiduciaries, we must legally prioritize your interests over product sales or commissions, ensuring unbiased recommendations aligned with your goals.
Do you have investment minimums?
No investment minimums required. We serve clients at all financial stages with customized planning regardless of account size.
How do you charge for services?
We use transparent flat-fee pricing with no hidden commissions. You'll know exact costs upfront through our simple fee structure.
Can you help with tax planning?
Yes, we offer integrated tax services including return reviews, projection analysis, and filing assistance to optimize your tax efficiency.
How do you work virtually?
Our secure cloud platform enables document sharing, video meetings, and real-time plan updates while maintaining strict data security protocols.
What estate planning services do you offer?
We facilitate wills, trusts, and healthcare directives through legal partnerships using intuitive software tools at reduced costs.
