Steve Charlton

About Steve Charlton

If you\'ve spent 30 years building wealth inside a 401(k), IRA, or deferred compensation plan — congratulations. You\'ve done the hard part. But here\'s what nobody told you: Every dollar sitting in those accounts has a silent partner, the Internal Revenue Service — and they\'re patiently waiting until you retire to collect their cut, and they get to choose how much each year for the rest of your life. For most of the clients we work with — successful business owners, executives, and high-income professionals — that tax bill runs into the hundreds of thousands of dollars, typically well over $2 million. And it grows every single year they wait. That\'s what we call The Baby Boomer Tax™. At Wisdom Financial Advisors, we built a proprietary process specifically to solve this problem — before it\'s too late to do anything about it. THE BABY BOOMER TAX™ CALCULATORWe start with complete clarity. Our proprietary web-based calculator shows you — in real time — exactly what your future tax burden looks like, what Roth conversions could save you, and a side-by-side comparison of your current portfolio versus one of our BetaCore™ optimized strategies. You see your real numbers before you ever even speak with us. THE BETACORE™ PORTFOLIO STRATEGYMost advisors manage your investments through growth strategies ONLY. We manage your entire taxable household in retirement — income sequencing, tax bracket management, Roth conversion optimization, and long-term care integration — all working together as one coordinated strategy. THE #1 ROTH CONVERSION STRATEGY IN THE NATIONRoth conversions are not new. But most advisors get them wrong — converting too much, too fast, at the wrong time. Our proprietary optimization process has helped clients save six & seven figures in taxes they never had to pay. We\'ve helped rescue over $294 million to date. YOUR NEXT STEP:Schedule your complimentary 30-Minute Strategic Roth Blueprint.We\'ll run your specific numbers — live — and show you exactly what your tax future looks like, and what it could look like if we optimize it. No obligation. No sales pitch (you were sold on compounding taxation a long time ago - we help you fix that mistake). Just your math and clarity.You can schedule here: https://calendly.com/wiserfinancially/roth-blueprint

Experience

1. President

   Wisdom Financial

   Jan 2005 — Present · Detroit, MI, US

   Most financial advisors help you grow your wealth.We help you keep it — from the one entity that\'s been quietly claiming a share of everything you\'ve ever saved.At Wisdom Financial Advisors, we specialize in one high-stakes problem: the hidden tax liability buried inside tax-deferred retirement accounts — 401(k)s, IRAs, deferred compensation plans — that most Baby Boomers don\'t see coming until it\'s too late to do anything about it.Our proprietary process — anchored by The Baby Boomer Tax™ calculator and the BetaCore™ portfolio strategy — gives clients complete clarity on their real tax future and a precise roadmap to legally reduce what they owe.What we do differently:• We manage the entire taxable household in retirement — not just the portfolio• We deploy the #1 Roth Conversion optimization strategy in the nation• We show clients side-by-side comparisons of their current path vs. our optimized strategy — before they ever commit to working with us• We\'ve helped clients save in taxes and IRMAA surchargesThe result: clients who would have paid $200K–$847K+ in unnecessary retirement taxes — don\'t.As featured on: Yahoo Finance · MSN Money · US News · Google · FOX 2

Education

• Oakland University

  Bachelors, Psychology/Biology double major

  1996 — 2000

Skills

• Customer Relationship Management (Crm)
• Retirement
• Long-Term Care
• Sales Management
• Conflict Resolution
• Sales
• Selling Skills
• Marketing
• New Business Development
• Disability Insurance
• Customer Retention
• Dentistry
• Customer Service
• Sales Presentations
• Cold Calling
• Market Research
• Financial Planning
• Indexed Annuities
• Employee Benefits
• Insurance
• Retail
• B2b
• Direct Marketing
• Small Business
• Change Management
• Business Development
• Strategic Planning
• Lead Generation
• Coaching
• Business-to-Business (B2b)
• Financial Analysis
• Leadership
• Life Insurance
• Strategic Partnerships
• Financial Services
• Crm
• Sales Process
• Recruiting
• Term Life Insurance
• Marketing Strategy