EMPOWERING UTILITY AND ENERGY EMPLOYEES TO TAKE CONTROL OF THEIR FINANCIAL FUTURE
EMPOWERING UTILITY AND ENERGY EMPLOYEES TO TAKE CONTROL OF THEIR FINANCIAL FUTURE
Meet Our Founder:
Steven Smit, CFP
Steven Smit, a Certified Financial Planner™ and author of Power Up Your 401k, with over 15 years of experience, founded Powerhouse Financial Advisors to address the specific needs of utility and energy sector employees. Steven’s proprietary Time Shifted Risk Analysis (TSRA) strategy is designed to help clients maximize their retirement savings by integrating their cash balance pensions, 401(k) investments, and Social Security benefits. His goal is to empower every client with the knowledge and tools to achieve long-term retirement goals.
Meet Our Founder:
Steven Smit, CFP
Steven Smit, a Certified Financial Planner™ and author of Power Up Your 401k, with over 15 years of experience, founded Powerhouse Financial Advisors to address the specific needs of utility and energy sector employees. Steven’s proprietary Power-Shift Path (PSP) strategy is designed to help clients maximize their retirement savings by integrating their cash balance pensions, 401(k) investments, and Social Security benefits. His goal is to empower every client with the knowledge and tools to achieve long-term retirement goals.
Our Mission: Breaking Financial Silence
At Powerhouse Financial Advisors, we are committed to breaking the “financial silence” that many employees in the utility and energy industries face. Navigating 401(k)s, cash balance pensions, and Social Security can be complex, leading to confusion and missed opportunities. We provide the expertise and personalized strategies needed to help you feel confident in your financial future and maximize your retirement potential.
Founded by Steven Smit, CFP, Powerhouse Financial Advisors was born from a passion for helping utility and energy sector employees avoid costly mistakes and optimize their financial plans. Over the past 15+ years, we have helped countless families achieve security and long-term growth in their retirement planning.
Our Mission: Breaking Financial Silence
At Powerhouse Financial Advisors, we are committed to breaking the “financial silence” that many employees in the utility and energy industries face. Navigating 401(k)s, cash balance pensions, and Social Security can be complex, leading to confusion and missed opportunities. We provide the expertise and personalized strategies needed to help you feel confident in your financial future and maximize your retirement potential.
Founded by Steven Smit, CFP, Powerhouse Financial Advisors was born from a passion for helping utility and energy sector employees avoid costly mistakes and optimize their financial plans. Over the past 15+ years, we have helped countless families achieve security and long-term growth in their retirement planning.
What We Do: Tailored Financial Solutions
We offer a comprehensive range of financial services designed specifically for utility and energy employees:
- 401(k) Optimization via Self-Directed Brokerage Accounts (SDBA): Gain access to a broader array of investment options beyond standard index funds, including ETFs, individual stocks, and tactical managed accounts through Schwab PCRA or Fidelity BrokerLink.
- Power-Shift Path (PSP): Our proprietary strategy accounts for the unique challenges posed by cash balance pensions, reallocating risk as you approach retirement to maximize returns and minimize losses in your final career years.
- Integrated Retirement Planning: We align your 401(k), pension, and Social Security benefits into one cohesive retirement plan, ensuring your entire portfolio is optimized for long-term success.
- Insurance and Tax Services: In partnership with Back Nine Insurance and Steven James Financial, we provide life insurance, long-term care, and tax preparation services, securing every aspect of your financial well-being.
What We Do: Tailored Financial Solutions
We offer a comprehensive range of financial services designed specifically for utility and energy employees:
- 401(k) Optimization via Self-Directed Brokerage Accounts (SDBA): Gain access to a broader array of investment options beyond standard index funds, including ETFs, individual stocks, and tactical managed accounts through Schwab PCRA or Fidelity BrokerLink.
- Power-Shift Path (PSP): Our proprietary strategy accounts for the unique challenges posed by cash balance pensions, reallocating risk as you approach retirement to maximize returns and minimize losses in your final career years.
- Integrated Retirement Planning: We align your 401(k), pension, and Social Security benefits into one cohesive retirement plan, ensuring your entire portfolio is optimized for long-term success.
- Insurance and Tax Services: In partnership with Back Nine Insurance and Steven James Financial, we provide life insurance, long-term care, and tax preparation services, securing every aspect of your financial well-being.
Our Values: Building Financial Future Together
At Powerhouse Financial Advisors, we stand by our core values:
- Transparency: We believe in clear, straightforward financial advice, ensuring no hidden fees or complicated jargon.
- Empowerment through Financial Literacy: Educating our clients is central to our mission, helping them make informed, confident decisions.
- Personalization: We understand that every financial situation is unique, and our strategies are customized to fit your individual goals and circumstances.
- Long-Term Growth: Our approach emphasizes sustainable financial growth, helping you achieve the retirement you deserve.
Our Values: Building Financial Future Together
At Powerhouse Financial Advisors, we stand by our core values:
- Transparency: We believe in clear, straightforward financial advice, ensuring no hidden fees or complicated jargon.
- Empowerment through Financial Literacy: Educating our clients is central to our mission, helping them make informed, confident decisions.
- Personalization: We understand that every financial situation is unique, and our strategies are customized to fit your individual goals and circumstances.
- Long-Term Growth: Our approach emphasizes sustainable financial growth, helping you achieve the retirement you deserve.
