Stephen Esposito
CFP®
Accretive Wealth Partners
Managing Partner & Wealth Advisor
Stephen Esposito
CFP®
Accretive Wealth Partners
Managing Partner & Wealth Advisor
I believe that financial decisions are best made objectively and rationally. As a result, my first promise to clients is to always listen. I want to understand what's most important to you personally, so that we can provide customized solutions that continually earn your trust and confidence. - Stephen Esposito, CFP®
Fee-Only financial planner located in Parsippany, NJ, serving clients locally and across the country

Stephen Esposito is a Parsippany, NJ fee-only financial planner. Accretive Wealth Partners provides comprehensive and objective financial planning and investment management to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Stephen Esposito is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Steve Esposito is a Managing Partner and Wealth Advisor at Accretive. He holds the CFP® designation and brings over 14 years of experience providing financial advice to high-net-worth families. As Wealth Advisor, Steve is primarily responsible for managing all aspects of the client relationship with Accretive. Prior to co-founding Accretive, Steve was a Senior Advisor for a hybrid broker-dealer/Registered Investment Advisor in Northern New Jersey.
Stephen Esposito 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.
Accretive Wealth Partners is a fiduciary, fee only firm. This means we have to act in the best interest of our clients. While this sounds intuitive, not all private wealth management firms need to behave under this same standard. Being fee-only helps us to be independent, consultative, and objective so our clients have confidence they are getting our unbiased, best thinking.
Our collective experience in the Private Wealth Management industry helps us understand the issues you face and provide solutions to help you accomplish your goals and objectives. Being able to understand your situation further allows us to be proactive in providing solutions to some of the issues you may not have even thought about or experienced yet.
While every client has their own unique circumstances, our goal as a firm is the same- to create value for our clients.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- Charitable Giving Strategies
- Cash Flow Planning
- Tax Minimization Strategies and Planning
- Insurance and Annuity Advice
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- High Income Young Professionals
- Sudden Money Situations
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Stephen Esposito is a NAPFA-Registered Financial Advisor
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.
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Stephen Esposito 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.
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Accretive Wealth Partners is an Approved Dimensional Funds Advisor
Dimensional believes an advisor can work closely with you to understand your financial needs and provide a range of wealth management services, while encouraging the discipline essential to long-term investment success. Financial advisors who work with Dimensional operate independently from Dimensional and vary in the extent to which they use Dimensional funds.
Contact Stephen Esposito
Office Locations:
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1 Gatehall Dr
Suite 207
Parsippany, NJ 07054