Stephen Sanders, CRPC™ is a professional Edward Jones financial advisor serving the Jacksonville area with specialized expertise in retirement planning and business owner financial strategies. His Chartered Retirement Planning Counselor (CRPC™) designation demonstrates his advanced knowledge in retirement income planning, making him a valuable resource for individuals approaching or already in retirement.

As a CRPC™ professional, Stephen focuses on retirement savings strategies that help clients maximize their retirement preparedness through systematic saving approaches, tax-advantaged account optimization, and strategic asset allocation. He works with clients to evaluate their current retirement savings progress, identify gaps in their planning, and implement strategies to accelerate their progress toward retirement goals. His expertise includes 401(k) optimization, IRA management, Roth conversion strategies, and Social Security planning.

Stephen has particular expertise working with entrepreneurs and business owners, understanding the unique financial challenges and opportunities that come with business ownership. He helps business owners navigate complex decisions about business retirement plans, succession planning, tax-efficient compensation strategies, and personal wealth accumulation outside of their business interests. His guidance helps business owners balance the financial demands of growing their businesses with their personal financial security needs.

Portfolio reviews are a cornerstone of Stephen's practice, where he conducts comprehensive analyses of clients' existing investment holdings to ensure proper diversification, appropriate risk levels, and alignment with financial goals. These reviews include fee analysis, performance evaluation, tax efficiency assessment, and rebalancing recommendations. Stephen believes that regular portfolio maintenance is essential for long-term investment success and works with clients to establish systematic review processes.

Stephen's comprehensive financial planning approach includes investment management, risk assessment, insurance planning, and estate planning coordination. He helps clients develop written financial plans that address their specific goals and circumstances, whether they're accumulating wealth for retirement, planning for major expenses, or transitioning into retirement. His analytical approach ensures that recommendations are based on thorough evaluation of each client's complete financial picture.

His business retirement plan expertise includes helping employers design and implement 401(k) plans, profit-sharing plans, and other qualified retirement arrangements that benefit both the business and its employees. Stephen understands the fiduciary responsibilities involved in business retirement plans and works to ensure that plans are designed and managed in compliance with regulatory requirements while maximizing benefits for participants throughout the Jacksonville business community.