Retirement Planning | Naperville Financial Advisor

Any successful journey requires detailed planning. When the stakes are high, winging it isn’t an option. We start with our proprietary Stenger Retirement Planning Process.

5 Steps to a Successful Retirement

Our proprietary 7-Step Retirement Navigation Process starts with an assessment of your future goals. Your Stenger financial advisor will take an inventory of your income, projected retirement expenses, assets and liabilities and create a customized financial plan that addresses your specific needs. Because Stenger Family Office operates as a multi-family office, our financial advisors will work directly with our in-house team of accountants and estate planning attorneys to create a comprehensive plan that addresses all aspects of your financial life.

Step #1:
Income & Expenses

Retirement planning solves the key problem of paying expenses on a fixed income. Your Stenger Financial Advisor will add up your expected income, subtract your monthly expenses, calculating your retirement income gap. This income gap will be compared against your assets and liabilities to determine if you have enough saved to retire.

Step #2:
Assets & Liabilities

After calculating your annual retirement income gap, your Stenger financial advisor will take an inventory of your investable assets and the potential amount of additional income these assets can generate. In general, we want our clients to be as debt free as possible approaching retirement.

Step #3:
Investment Management

Many investment portfolios are created with a risk questionnaire, asking investors how much risk they can tolerate. While this is an important component of portfolio construction, we believe investors should implement a goals-based financial plan, not risk-based. A goals based plan helps you address the most important question - “Will I run out of money during retirement?”

Step #4:
Tax Strategy

Often times, tax planning and strategy go overlooked when creating a financial plan. While there are no quick and easy ways to save money on taxes in any given year, there are substantial savings that can be achieved through long range tax planning and preparation. As a multi-family office, we employ an in-house team of accountants and CPAs to create a tax efficient plan alongside your financial advisor.

Step #5:
Estate Planning

Passing down your assets and legacy to the next generation is an important component of retirement planning. At the very least, not leaving a mess to your children and grandchildren can be achieved through thoughtful estate planning strategies coordinated alongside your financial and tax strategies.

Stenger Retirement Planning Process

  • Identify Your D.O.S.

    D.O.S. stands for Dangers, Opportunities and Strengths. Your Stenger financial advisor will help you identify what strengths you already have, what you’re most looking forward to about the future, and uncover some blind spots and risks you may not have yet considered.

  • Customized Financial Plan

    As your financial advisor, we will create a comprehensive and customized financial plan that helps you answer one central question - “Can you live the rest of your life without running out of money?”

  • Tax & Estate Planning

    Taxes and estate planning are often overlooked during the planning process. Your Stenger financial advisor will work closely with a CPA or attorney of your choosing or introduce you to one of our in-house tax planning & preparation experts and estate planning attorney.

  • Investment Management

    We believe your money should be invested on a customized plan that matches your financial plan, not a cookie cutter portfolio that takes on excessive risk. During the planning process, your financial advisor will recommend an investment portfolio that helps you reach your goals while minimizing unnecessary risk.

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Stenger Retirement Planners

  • Nick Stenger

    CEO & Financial Advisor

    Nick Stenger is the Chief Executive Officer and financial advisor at Stenger Family Office. Nick is a 7th generation Naperville, IL resident where he lives with his wife Jamie and son Jack. Prior to launching Stenger Family Office, Nick was a Senior Vice President and financial advisor at Morgan Stanley Wealth Management. Nick helped lead the team’s growth to become one of Morgan Stanley’s largest wealth management teams. In 2023, Nick and the team were named one by Forbes as a Best-In-State Wealth Management team in Illinois. Prior to Morgan Stanley, Nick worked at Invesco PowerShares, a $1 trillion asset manager in Atlanta, GA and PricewaterhouseCoopers, LLP (PwC) in Chicago, IL. Nick is a graduate of the Quinlan School of Business at Loyola University Chicago with degrees in accounting and finance.

  • Bond Roth

    President & Financial Advisor

    Bond is President and a financial advisor at Stenger Family Office. As President, Bond is responsible for overseeing the day to day operations of the firm and setting financial planning strategy for clients. As a financial advisor, Bond helps families create and manage their financial plans and investment portfolios. Prior to Stenger Family Office, Bond was an Associate Vice President and Financial Advisor at Morgan Stanley. Before Morgan Stanley, Bond worked at Guggenheim Partners, a boutique private equity and asset management company in Chicago, IL and BMO Harris Bank. Bond is a graduate of Wheaton College in Wheaton, IL and lives in Wheaton with his wife and four daughters.

  • Audrey Feldpausch, CFP®

    Vice President, Financial Advisor

    Audrey Feldpausch is a Vice President and Financial Advisor with Stenger Family Office. Audrey leads the team’s financial planning practice and also is a member of the Stenger Family Office Investment Committee. Audrey is a CERTIFIED FINANCIAL PLANNER™ and completed her CFP® training through Northwestern University in Chicago, IL. Prior to Stenger Family Office, Audrey worked at UBS Wealth Management and Timothy Financial, a financial planning firm in the Chicago suburbs. Audrey is a graduate of Hillsdale College where she earned her B.A. in Economics. Audrey and her husband live in the Chicagoland area.

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Fiduciary Financial Advisor Naperville & Houston.

Take the next step with our team of experienced financial advisors, financial planners, tax accountants, estate planning attorneys and insurance specialists. The first step in the Stenger Retirement Planning Process is to create a comprehensive financial plan. We can meet with you in-person at our local Naperville, IL or Spring, TX offices or at a location that works best for you.

Contact Us

Naperville Financial Advisor
400 E. Diehl Road
Suite 550
Naperville, IL 60563

Houston Financial Advisor
1700 City Plaza Drive
Suite 440
Spring, TX 77389

Hours
Monday–Friday
8:00am–5:30pm

Phone
(630) 912-8431