Daniel Kopp

Wise Stewardship Financial Planning, LLC

Founder

Daniel Kopp

Wise Stewardship Financial Planning, LLC

Founder

Serving young widowed spouses and servicemembers with fee-only, fiduciary financial planning and investment advice. - Daniel Kopp

Fee-Only, Fiduciary financial planner located in Woburn, MA, serving clients locally and across the country

Daniel Kopp is a Woburn, MA fee-only financial planner. Wise Stewardship Financial Planning, LLC provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Daniel Kopp is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Hello, I’m Daniel – husband to Anna, widower to Sarah, Air Force veteran, business owner, writer, speaker, financial planner, and Christ-follower. I’m the founder of Wise Stewardship Financial Planning where we offer fee-only, fiduciary financial planning and investment advice with a special focus on young widows and widowers as well as servicemembers and their families.

Grief changes everything. I know that all too well from personal experience as I became a widower at 31 and before that, father to 3 children in heaven. My passion and purpose now is to take what I’ve learned from those experiences combined with financial planning and advice to be a help to you in your own unique grief journey. Wise Stewardship works together with you to help gain stability in your current financial situation, prioritize next steps, and walk with you into a new and different future.

Here’s the rest of my story and why I became a financial planner. I’ve always been interested in money since I was a little kid, including out-bidding my siblings for chores-for-hire, to providing loans to my siblings and friends when they had spent all their money and diligently saving my allowance for future goals. Over time this evolved into reading the stock pages in the newspaper as a young teenager and then choosing to major in economics in college. After completing Air Force ROTC at Purdue University, I commissioned as an officer into the Air Force in 2009 but continued my personal interest into personal finances, investing, and all things money-related.

In my college years and early 20s, I read hundreds of books and spent thousands of hours studying financial planning topics. I also had the opportunity to be a volunteer financial counselor during many of the years when I was on active duty in addition to helping and educating family and friends over the years. Thanks to countless help along the way, I learned more about the financial services industry and found my way to fee-only, fiduciary financial planning. It was through these experiences that sparked my passion and helped me realize what I wanted to do whenever I decided to leave the military!

As an officer on active duty for almost 9 years, along with a brother, sister, and brother-in-law in the military, I experienced firsthand the benefits and challenges that military life can have on all aspects of life especially finances. Frequent changes like TDY’s, deployments, and PCS’s add unique potential opportunities and obstacles to meeting goals and dreams. Add in the often disparate and sometimes confusing military pay, benefits, scattered military benefits and discounts, and countless people offering advice or services, and there is often a lack of clarity on how best to optimize all of these to best meet goals.

I’ve seen almost everything military life can throw at you and been through much of what you probably have questions about. I’ve learned a lot about what works and what doesn’t; what’s important and what isn’t. I’m now able to use these vast experiences to help my clients navigate the challenges of the busy military life, get the most out of your hard-earned benefits, and help you achieve your goals.

My journey to become a financial planner was also profoundly impacted by what happened in my personal life. I met and married my wife Sarah back in 2012 and we embarked on military life together, at the time thinking I would be on active duty for a full career. As time went by, God brought countless joys as well as numerous trials. Sarah was a cancer survivor when she beat thyroid cancer at the age of 21, and had experienced other health trials and surgeries in the years before we met. Then in the first three years of our marriage, we experienced the agonizing sorrow of grief from the loss of three children through first term miscarriages. Sarah’s health continued to decline over the course of their marriage and medical answers mostly eluded us as we saw dozens of doctors and specialists.

By the middle of 2016, Sarah was mostly homebound as her energy failed so I became her primary caregiver as family was thousands of miles away while continuing to work fulltime as an officer in the Air Force. However, it rapidly became evident that I could no longer continue down the active duty career path so I began planning to transition out of the military. Given the flexibility I would need as a primary caregiver, I explored entrepreneurship by launching my own financial planning firm to marry my passion for helping people with their finances with my need to take care of my wife.

Before that plan could come to fruition though in March of 2017, a medical crisis landed Sarah in the hospital from which followed a cascading sequence of events in which we lived in hospitals across two states for the next six months. Finally in late July, the doctors said there wasn’t much more they could do and Sarah and I made the difficult decision to enter hospice. We were able to spend a precious 6 weeks together as well as flying out family and dear friends to be able to say goodbye. Sarah passed away on August 27th, 2017 as I held her hand and bid her an earthly farewell. She was only 32, and we had been married just under five truly amazing years.

Suddenly, my entire life had been turned upside down. I was 31 and it felt like every plan I had made was shattered yet again.

My abiding faith in God and His endless grace helped bear me up in the agony of grief in the months that followed. Thanks to the boundless support of my family, fellow young widowed spouses I connected with, my church, Air Force family, network of friends, and an invaluable grief counselor, I found a way to keep moving forward.

I also received further confirmation of the incredible value of financial planning when I hired my own financial planner in the middle of my grief journey to help me sort through all the variables of my financial life, have a compassionate and rational (as sometimes my grief was not very logical) outside perspective, and figure out what my new financial future might look like. I also gained an inside perspective to the other side of the estate planning experience as I acted as the executor of my wife’s estate. I dealt with everything from dealing with creditors, bequeathing personal items, transferring titles of houses, vehicles, settling life insurance policies, closing accounts, and much more. While I would never have wished to learn in this way ,these unique personal experiences prepared me to understand not just the “science” of estate planning, but also the intimate and personal art if helping clients work through the full range of emotional nuances in this process.

I also remain so grateful for the last few weeks that Sarah and I shared and the invaluable wisdom and counsel she encouraged me with. She encouraged me to forge ahead with the plans we had made to take a sabbatical time after I left active duty and also launch my own financial planning firm. Both of these encouragements would be so helpful in the months after she was gone.

I ended up separating from the Air Force in Feb 2018 and embarked on an 8 month sabbatical. Sarah and I long considered taking a few months off after active duty so we could travel some more, visit friends and family across the US, and take advantage of a mid-career transition to do something that otherwise isn’t possible with normal vacation time off. We had been saving up for this opportunity for several years and I ultimately ended up buying a truck and RV trailer so I could maximize my travel flexibility. Over the course of 2018, I visited 38 states, drove more than 27K miles, saw 14 National Parks, visited dozens of friends and family, and made incredible memories!

The time off gave me opportunities to heal, rest, think deeply, journal and write, and lay the groundwork for launching Wise Stewardship. However, there was something even more amazing and unexpected that happened in the midst of my sabbatical. I ended up meeting someone and falling in love!

In a beautiful story that I could never have imagined on my own, God brought Anna into my life. Over the course of my sabbatical travels, we began a relationship that quickly became apparent to us and everyone that knew and loved us, that this was something very special. We wrote out the full story over on my personal blog for those that want all the full details.

I ended up moving to the Boston area to join Anna after we got married at the end of 2018 capping off a whirlwind of a year! It’s been an amazing journey to this place and I’m so excited about this next chapter! Anna is the gift that I thought I would never have and demonstrated to me that love and a different future was possible.

Wise Stewardship Financial Planning launched in November 2018 to offer fee-only, fiduciary financial planning to help fellow young widowed spouses as well as servicemembers and their families. I count it a privilege to now help others by taking what I’ve learned about the journey of grief combined with the math of financial advice. Finances are just a tool to accomplish our goals in life so I help people figure out what is most important to them, and then build their lives and finances to be able to accomplish them. I am here to be a companion to you as you navigate many financial issues and life circumstances.

Professional Biography

Daniel Kopp is a fee-only, fiduciary financial planner and founder of Wise Stewardship Financial Planning where he helps young widows and widowers as well as servicemembers get their financial lives in order by aligning their money with their values. He is also an Air Force veteran after almost 9 years as an officer on active duty during which he served as an Air Battle Manager participating in combat deployments and training opportunities all across the world. Outside of his official military commitments, Daniel has always had a passion to help servicemembers and their families master their finances where he served as a volunteer financial counselor during most of his time on active duty.

Daniel is a widower after his wife Sarah passed away in late 2017. In the few years prior to her death, Daniel had become her full-time caregiver due to a variety of health conditions including the loss of three miscarriages. During that time, he learned how to persevere by ordering his life around his faith in God and aligning family, work, and finances with his personal goals. Daniel now combines his financial training and experience helping people with a deep, personal understanding of how grief affects every single area of life.

Daniel is now married to his wife Anna, and lives in the Boston area where they love to explore new places, try interesting cuisines, serve in their local church, and take advantage of the rich history of New England. You’ll find a fast way to become their friend if you play board games with them!

Daniel received his Bachelor of Science Degree in Economics from Purdue University as a third-generation Boilermaker, where he graduated with Highest Distinction (top 3%) and was named one of the Top 10 Krannert School of Business Seniors in a graduating class of over 850. He has also received his Master of Arts in Military Studies and Strategic Leadership from American Military University, and is currently finishing up his work toward the Certified Financial Planner (R) designation as well as pursuing a second masters in financial planning. Daniel is also a frequent personal-finance freelance writer and speaker, especially on military-related topics.

Daniel is a distinguished Air Force veteran as a three-time Air Force Distinguished Graduate (#1) for each of his three formal training courses as well as the Air Force’s David C. Schilling Award for the most outstanding contributions to the field of flight along with numerous other awards and accolades in his military career.

Daniel Kopp is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning

Wise Stewardship Financial Planning takes a holistic approach, focusing on helping you navigate your financial life according to these core values.

Stewardship – Our Founder’s Perspective

My personal philosophy on money can best be summed up with the concept of stewardship, hence where the name of the company came from.  A dictionary definition of stewardship is “the responsible overseeing and protection of something considered worth caring for and preserving.”  Another word we often use in this same concept as it relates to finances today is fiduciary.

I believe I have a broad responsibility of being a wise steward of the many blessings, not just financial, that I have been given.  First and foremost, I have that responsibility to God to use His abundant provision with an eternal perspective.  I must be mindful to not separate God’s gifts from His purpose … He has so blessed me so I can bring honor and glory to Him and be a blessing to others!  Secondly, I have a responsibility to provide and care for my family with wise planning for our finances.  Lastly, I have a responsibility to all those whom I am privileged to work with and educate including each and every client.  I make a promise that I will apply those same fiduciary principles of stewardship to everything I do.

Communication

You can expect clear, proactive communication. We interpret language from other professionals and act as a liaison to communicate with other professionals on your behalf.

Partnership

We like to work in conjunction with you and hold each other accountable. We aim to help you achieve the best life possible by taking the time to clearly understand your background, philosophy, needs and objectives. We work collaboratively with you and on your behalf to achieve your goals.

Confidentiality

It goes without saying that your privacy is very important to us.  Our process and anything discussed are completely confidential.

Organization

We help by bringing order to your financial life by assisting you in getting your financial house in order. This includes big-picture items such as investments, insurance, taxes, estate planning, etc., but also the everyday financial hurdles, such as your household budget and cash flow.

Objectivity

Our advice and recommendations are always brought to you in the most objective manner and we are available to consult with you at key moments of decision-making. We’ll also provide you with all of the information you need to help you avoid making any emotionally charged decisions, especially those that are irrevocable. We are able to provide a buffer to others who may be pressuring you to make immediate decisions.  

Compassion

We act as a sounding board for all of your needs and want to be your trusted advisor to address any money fears you may have. Our environment is non-judgmental and encourages healing. We want to know what is going on beyond your finances and to celebrate positive transitions in your life, while gently reflecting on positive memories of the past. We’ll assure you that you are not alone in this journey and there are others who have shared your experience.

Education

When providing advice and recommendations, we work to ensure that our clients thoroughly understand each decision, including the risks associated with each choice. We’ll provide the necessary resources to help facilitate the decision-making process, and explore the specific knowledge that will be needed to succeed.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.

Specialties

  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Young Widow or Widower
  • Retirees and Near Retirees
  • Growing Families
  • Sudden Money Situations
  • Servicemembers

Working Together

  • Complimentary Initial Consultation
  • Virtual Meetings on Your Schedule
  • Clear, Transparent Fees
  • No Product Sales
  • No Asset Minimums

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Daniel Kopp is a NAPFA Associate Member

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • XY Planning Network
    Daniel Kopp is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

Contact Daniel Kopp

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Office Locations:

  • 348 Cambridge Rd
    Suite 107
    Woburn, MA 01801

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