Fee-Only · Fiduciary · Serving Clients Personally
Step Into Your Third Act
with Confidence
Fee-only financial planning and investment management for individuals and families at any stage — built around your values, your goals, and your life.
Why Third Act Financial Planning?
Personal & Direct
- Work directly with Steven Wells, PhD — never a junior advisor
- Listening and learning about you is the first step
- Listening to you before advising you
- Every recommendation made with your goals in mind
- Consistent, personal guidance from the first call on
Coordinated Planning
- Retirement income strategy
- Investment management
- Tax-efficient planning
- Insurance review
- Estate & legacy planning
- All aligned to one clear strategy, that evolves as needed
Fee-Only & Independent
- No commissions — ever
- No proprietary products
- No conflicts of interest
- Your financial well-being is my only incentive
- Fiduciary standard, always
A Different Kind of Advisor
A PhD chemist who pivoted to sales, led product development teams, and spent 30 years as a disciplined personal investor. Steven’s path wasn’t straight — and that turned out to be his greatest qualification.
My Approach
I employ a Plan-Do-Check-Act framework — a disciplined, iterative approach that keeps your financial plan aligned with your life as it evolves.
Serving
I specialize in helping individuals and families who are seeking thoughtful, long-term financial guidance and planning
Retirees & Those Approaching Retirement
Designing retirement income strategies, coordinating Social Security timing, managing portfolio risk, and building a plan for the life you actually want to live.
Professionals Building Wealth
Navigating peak earning years: tax efficiency, education funding, major life decisions, and building steadily toward long-term financial independence.