Stone Steps Financial LLC
Fee-Only Financial Planner serving the San Diego, CA area.
I’m the founder of Stone Steps Financial, a firm created to help physicians, business owners, and families, just like my own, understand their financial lives and position themselves to reach their fullest potential. I do this job because I love it. I truly enjoy taking complex issues and helping clients understand them.
I live in a little beach town, Cardiff by the Sea, just north of San Diego with my wife, Amanda, our son, Lucas, and our dogs, Maddie and Sofia. When I’m not geeking out on financial news or white papers you’ll find me surfing with friends (Stone Steps is named for a surf break just a few minutes north of my house), running along the Pacific Coast Highway, or spending time with my family. I strongly believe in giving back to my community and currently serve on the board at Hanna Fenichel Center for Child Development.
Scott Frank is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is the country’s 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
I offer a range of services that have been carefully tailored to suit the needs of young professionals and families. My goal is to take the stress and confusion out of your financial life, so you can focus on what really matters to you.
COMPREHENSIVE FINANCIAL PLANNING
A comprehensive financial plan serves as a road map for your financial life. To create your plan, we will start with a discussion about your financial needs and goals in order to get a clear picture of where you want to go. Then, I will create your financial plan, which will help you understand your current financial picture, prioritize your goals, and provide action items to improve your finances. There is a great deal of substance to a plan like this so we will break it down into manageable pieces; starting with with most critical.
Once your plan is in place, our work is not done, but rather it’s just beginning. We will meet in person or virtually at least once per year, up to once a quarter, to review your progress and assess the need for any changes to your plan. I also ask my clients to reach out anytime they need assistance outside of scheduled meetings or if something in life changes that would affect their plan.
At Stone Steps we believe that markets are largely efficient so rather than try to beat the markets we use the power of the markets to let the market work for you. We look to build well diversified portfolios with mainly low cost institutional mutual funds and exchange traded funds (ETFs). Before we invest funds on your behalf, we will review your goals, risk tolerance, time horizon, tax considerations, income needs, and any unique needs that you might have.
Sometimes just getting the ball rolling can be the most difficult part. If you need a quick assessment of your financial situation, then my Quick Start planning session may be the ideal approach. During your session, we will discuss 1-2 financial topics, such as maximizing your company benefits and your 401k allocation, after which I will follow up with actionable recommendations for you in a clear and easy-to follow format.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
Scott Frank is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
Scott Frank is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
Scott Frank 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 Scott Frank
533 Second Street
Encinitas, CA 92024