John  Belluardo

John Belluardo

| ChFC®

Stewardship Financial Services, Inc.

Fee Only Financial Planner Located in Dobbs Ferry, NY and Serving Clients Nationwide


  • Fee-Only Financial Services
  • Comprehensive Financial Planning
  • Free Initial Consultation
  • Investment Management
  • Retirement Planning
  • Education Planning
  • Elder Care Issues
  • Estate Planning
  • Insurance Analysis
  • Charitable Giving and Trusts
  • Planning for Business Owners
  • Cash Flow and Budgeting

Visit Us

39A Cedar Street
Dobbs Ferry, NY 10522-1711

John Belluardo is a NAPFA-Registered Financial Advisor.
NAPFA is the country's leading association of Fee Only Financial Planners.
What is "Fee Only Financial Planning," and why is it important?

Stewardship Financial Services, Inc. was founded by John Belluardo in 2003. In addition to his work at Stewardship, John has 20 years of experience in the financial services industry, evenly split between Morgan Stanley and TIAA-CREF. John holds a Charted Financial Consultant (ChFC) designation from The American College in Pennsylvania, a Masters degree in Religion from Fordham University and an undergraduate degree from Syracuse University.

John is married to Sherry, a school teacher. They live in Westchester with their dog, Murray, and cats Boots, Marla and Samantha.

Stewardship sells no products, has no minimum asset requirements and earns no commissions. One hundred percent of our revenue comes from our clients.  This structure enables us to focus exclusively on the needs of you, our client.

Most financial planners earn revenue from commissions or from a percentage of assets managed.  The products they offer may be limited, fees can be expensive, and account minimums may preclude you from becoming a client.  None of these issues exist with Stewardship.  We offer fixed-fee and hourly-based financial advice.  Our fees are modest.  We have the entire universe of financial products at our disposal enabling us to recommend the best products and advise how to buy them at the best prices.

Stewardship works hard to minimize your costs while at the same time providing you quality advice and product recommendations.

Our Services