“Living a wealthy life” involves balancing your needs for today with achieving your dreams for the future. This requires planning the interactions between your ability to earn, desire to save and amount of risk you are willing and able to accept. Once we understand your vision for the future, we will work with you to develop and implement a plan. A sound strategic plan clarifies the linkage between today’s choices and future goals; simplifying and informing daily financial decisions.
Steven Flodder, CFP®, CLU®, ChFC®, CEP™
CERTIFIED FINANCIAL PLANNER TM professional (CFP®)Chartered Life Underwriter (CLU®)Chartered Financial Consultant (ChFC®)Certified Estate Planner (CEPTM)
Steve is responsible for holistic client strategy development and communications.
Prior to founding Flodder Financial Group, Steve spent 22 years with Amoco. With a Masters degree in Engineering, Steve began his career as a geophysicist and quickly moved into management. Over the next 20 years, Steve worked around the globe, ultimately rising to President of Amoco Mediterranean.
During his career as a senior manager, Steve developed expertise in planning and analysis. As the oil industry faced significant turmoil during the late 90’s, Steve decided to apply his acumen and experience to meeting the needs of individuals.
Kyle Flodder, CFP®, CLU®, ChFC®, AEP®, CEP™
Managing Director Client Strategies
CERTIFIED FINANCIAL PLANNER TM professional (CFP®)Chartered Life Underwriter (CLU®)Chartered Financial Consultant (ChFC®)Accredited Estate Planner (AEP®)Certified Estate Planner (CEP™)
Kyle leads:Development and implementation of retirement strategiesClient focused knowledge base:Corporate Benefit PlansEstate Planning StrategiesSocial Security, Health Insurance, Medicare StrategiesFirmwide operational excellence
Prior to earning an MBA from the Harvard Business School, Kyle worked for the Boston Consulting Group, advising senior executives in areas including mergers and acquisitions, and corporate reorganization.
After Harvard, Kyle joined Ventana Medical Systems as a special projects manager reporting directly to the CEO and CFO.
Brett Flodder, CFA®
Managing Director Investment Strategies
Chartered Financial Analyst (CFA®)
“The CFA designation is regarded as the highest distinction in the investment management profession with a focus on a rigorous curriculum and strong ethical foundations.”(https://www.cfainstitute.org/en/programs/cfa/benefits accessed 7/17/2018)
Brett leads development of:Global economic analysisPortfolio design and real time evaluationSecurity selection
He also works directly with clients on strategy implementation and is a CFA® Charterholder.
Prior to earning an MBA from the Harvard Business School, Brett worked as a restructuring consultant for FTI Consulting. At FTI, Brett advised executives in navigating the complex challenges created by the 2008-2010 recession.
After Harvard, Brett joined McKinsey & Co., advising executives from the Fortune 100® on strategy and operations, focusing primarily on the financial industry.
Senior Investment Operations Analyst
Rebecca leverages her years of industry experience towards implementation of client and firm level strategic initiatives.
Rebecca is a proven leader in designing, implementing, and leading scalable operations teams that support complex organizations and has over 15 years of industry experience in operations, trading, client service, and reliability. Rebecca holds a degree from the University of Houston.
Daniel Stoakes, CFP®, CLU®, ChFC®, CEP™
Senior Manager Client Strategies
Daniel utilizes a strong background in implementation and planning with a focus on pensions and defined benefit plans to support clients in aligning their strategies and actions.
Daniel developed a strong skill set working with clients, as a Financial planner prior to joining Flodder Financial Group. Daniel has earned a master’s degree in Business Analytics from the Cox School of Business at Southern Methodist University and holds Marketing, Finance, and Economics degrees from Northwood University.
Becky Norman, CFA®
Investment Operations Manager
Becky has a broad experience base including work with hedge funds, non-profits, and endowments. Becky has experience in Trading, Risk Management, Operations and Client Service. Becky utilizes her analytical abilities and experience to work in support of the investment management processes and decision making. Becky earned a degree in Finance from the Sam Houston State University.
Sr. Marketing and Operations Coordinator
Angelee works to support firm operations and marketing. Angelee utilizes her detail focused mindset to work in support of senior leadership accomplishing client needs.
Additionally, Angelee is responsible for the planning and execution of client focused events and activities.
Angelee holds a degree from Texas State University in Mass Communications with concentrations in Advertising and International Business.
Wyndolyn utilizes her skills and experience from 28 years of service with a multinational law firm to maintain office organization and effectiveness. Wyndolyn works closely with senior staff to assist clients with operational needs accurately and efficiently.
All investing is for a purpose. You may want to save for college for your children, put an extra room on your house, buy a lake house, or have a great retirement. The time frames associated with each of these objectives as well as the number of payments needed help determine the level of risk you could be willing to take. Do you need a single lump sum or a steady stream of income that has the potential to grow with inflation? Once we have defined the goal, we can define the strategy.
First, we define an appropriate level of risk given your goals, assets, personal history, and thoughts on investments. Achieving your goals is important, but so is comfort with the process and sleeping soundly at night.
Second, is a focus on Asset Allocation—strategically positioning your investments across different asset classes to help manage risk and enhance returns. A wide world of potential investments exists, from domestic companies to emerging markets, with larger established companies and smaller companies with exciting prospects. Adding in bonds and commodities creates a diverse world of investments with unique characteristics. Often events will affect investments differently with some benefiting as other fall or simply not impacted at all. By carefully considering your goals, time horizon, risk tolerance, and our economic outlook, we seek to build a diverse and supportive portfolio.
Finally, markets move up and down over time. We do not just passively ride the wave. Instead, rebalancing the portfolio on a routine basis can result in capturing gains from winners and investing in other areas of the portfolio, potentially poised for a rebound. We also update our Asset Allocation as our economic views shift*.
*Rebalancing and diversification do not guarantee a profit or protection against loss.
A distinction of Flodder Financial Group is our dedication to effective, straightforward communication and creative problem solving in addition to spending time with clients building long-term relationships. Every family is different, we strive to understand your unique needs and aspirations as we work together to help you achieve your goals not just for the short term, but over a lifetime.
It’s our vision to work alongside you as a trusted professional as you plan for your financial success. Life does not always go as expected and our needs can change. We will be by your side for those moments and help adjust back to the path to your financial destination. The flexibility to respond quickly as personal circumstances or market conditions change is critical, and we will be there to help you navigate these situations.
Getting to Know You
You come to the table with an understanding of your hopes, dreams, fears and uncertainties. We come to the table with many years of planning experience, strong financial credentials and a wide range of possible strategies. Our goal is to understand how you got here, where you are headed and to ensure that you know which strategies make sense to help you move forward in achieving your financial goals.
Our planning begins with 6 questions, covering the following topics:
These questions have been crafted over many years to enable us to look at the breadth of your financial situation. We can identify your strengths and your gaps, if any, and then help you utilize your strengths to fill your gaps.
Building A Plan
We carefully analyze our discussions to assemble a financial strategy for you, resulting in a recommendation letter and financial analysis. We define a basic framework and strategy for the rest of your life. Then focus on specific areas of strength or concern with recommended next steps. Finally, we summarize specific recommendations designed to “Help You Live a Wealthy Life.”
Implementing Your Plan
Once the path is defined, we work with you to methodically implement the plan. Opening accounts, transferring assets, obtaining insurances, and implementing estate plans while carefully considering tax strategies forms the foundation of our relationship.
You know the old saying “you can’t take it with you.” However, you’ve worked hard to create your wealth and you can determine where your assets go and have a streamlined plan in place to ensure it happens. Your needs for sound legal documents for the matters of your estate are essential to ensure your assets are distributed to your intended beneficiaries in a tax efficient manner.
Working in conjunction with your legal and tax advisers, we can provide you with guidance and help you develop a plan to ensure you leave the legacy you desire, while mitigating the effect of changing estate tax laws.
A few basics to consider taking care of:
With proper planning, we can help determine which of these strategies best fits your needs.
Hopes, Dreams and Fears. Hopes and dreams need plans and strategies. Fears need context, experience, and guidance. We have been helping our clients achieve their hopes and dreams while preparing for and persevering through challenging times for over 20 years. Flodder Financial Group, helping you live a wealthy life.
Who do you turn to during challenging times? A 1-800 number? A stock broker? An insurance agent? Do they understand you? Your goals? Your assets? Your strategy? Call Flodder Financial, we can help. We have Certified Financial Planners, certified estate planners and more than 20 years of helping our clients. Feel confident in who you will call. Flodder Financial Group, helping you live a wealthy life.
Congratulations! You are successful. You have worked hard, saved and invested. You have built 401(k)s, stock plans, and investment accounts with years of good decisions. Retirement means utilizing these assets, no more saving. Everything feels different. Mistakes can hurt for years. Proper strategies can help. Now is the time to give us a call. Flodder Financial Group. Helping you live a wealthy life.
You succeeded at work, supported your family, saved every month just as your parents taught you. Now, it’s time to retire and use what you built to meet your goals, but no one taught you how to do that. We are here to help with strategies to support you in calm and volatile times. Flodder Financial Group. Helping you live a wealthy life.
What will retirement look like for you? Every night is Friday night. Every Morning, Saturday Morning. True Freedom! However, it is not financial freedom. Financial mistakes can haunt your retirement. We have helped our clients get ready to retire, retire, and stay retired for over 20 years. Flodder Financial Group. Helping you live a wealthy life.
Hopes, Dreams and Fears. We all have them. Some of us focus on our hopes and dreams but never get around to developing a plan to help them come true. Others focus on their fears, at times feeling panicked without taking the steps to address them. We have been helping our clients maintain their hopes, achieve their dreams, and prepare for the challenging times for over 20 years. Flodder Financial Group, helping you live a wealthy life.
What drives you as you retire? I want to enjoy being in charge of my life and find fulfilment. I still want to make a difference. Sound familiar. Retirement can be the best part of your life or it can be nerve racking. Watching markets and world events every day. Worrying if you will be OK. We can help. Let’s talk and implement a plan so you can have the opportunity to retire with confidence. Flodder Financial Group. Helping you live a wealthy life.
What do you want to do in retirement? Travel, find new hobbies, get a boat or camper? That all sounds great. No more work, and unfortunately no more paycheck. Will you be able to afford it? That’s where we came in. We can help you retire with confidence and we have been helping our clients get ready to retire, retire, and stay retired for almost 25 years. Flodder Financial Group. Helping you live a wealthy life.