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My Story

STEPHEN LUPKAS, CFP®, RICP®
Principal & Personal CFO
 

Steve’s journey into financial planning began at age 15, driven by a natural curiosity for investments and a desire to help friends maximize their savings among local banks.  That same client-first mentality defines his practice today.

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Specializing in wealth management for executives and retirees, Steve bridges the gap between complex financial concepts and practical, everyday solutions. He earned his BS in Finance from Sacred Heart University and holds the CFP® and RICP® designations, reflecting a career-long commitment to education and ethical excellence.

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Beyond his credentials, Steve is an expert in creating sustainable retirement income, navigating employer-sponsored benefits, and identifying tax-efficient strategies to help his clients retire with confidence.

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Steve is the founder and Principal of myFinancialPro, a boutique Registered Investment Advisory (RIA) firm, and has served as a trusted wealth architect for over thirty years. His practice encompasses comprehensive wealth engineering, advanced tax-efficient distribution sequencing, tactical asset management, and Fractional Family Office (FFO) governance. Business owners, corporate executives, and retiring professionals rely on Steve's deep operational and diagnostic expertise to represent their interests. His clients include entrepreneurs, corporate leaders holding concentrated stock options, and families navigating multi-generational legacy transitions.

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The varied business structures of the clients he advises span diverse fields: precision manufacturing, industrial components, software development, SaaS enterprises, private medical and dental practices, and consumer products. He also represents professionals within the financial, corporate, and legal sectors: corporate executives, attorneys, and specialized service business owners.

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Steve engineers pre-liquidity exit frameworks, multi-decade income distribution plans, and cross-custodial asset location strategies. His work includes guiding families through complex wealth reorganizations, drafting clear legacy and trust integration plans, providing tax-based structural advice for business sales and restructuring, and managing strict fiduciary compliance.

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A veteran leader in the independent advisory space, Steve brings firsthand corporate and financial understanding to the business owners and C-level executives he counsels. As a dedicated Personal CFO, his practice is designed to help privately held businesses and affluent households navigate their critical generational control, retirement income, and capital preservation processes.

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As an active architect of advanced tax mitigation strategies, Steve has successfully navigated complex business valuations and restructured tax exposures with internal tax professionals and CPAs. He frequently advises clients on residency, domicile, and estate tax planning issues, implementing precise plans for managing assets across multiple state tax jurisdictions. He collaborates seamlessly with his clients' existing accounting teams, external auditors, and estate attorneys to coordinate tax and personal wealth goals.

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As a personal wealth counselor, Steve brings his clients the benefit of a broad, highly sophisticated track record. He advises business managers and families on far more than just standard asset allocation; he addresses the real-world, practical ramifications of their choices. In a financial landscape increasingly dominated by automated, black-box AI algorithms, he anchors his practice on deep, human-to-human fiduciary loyalty. He creates customized, logical wealth plans and contracts that are sensible, thorough, and usable in the real world.

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He develops and refines sophisticated withdrawal sequencing models, estate distribution plans, and asset location frameworks. Steve's background in analyzing complex financial balance sheets has translated seamlessly into making him an accomplished solutions provider for sophisticated retirement and business transition problems. He designs proprietary asset optimization plans, concentrated equity diversification programs, and structured governance agreements for private families. He is highly versed in the protection and exploitation of the assets of fast-growth companies, as well as the needs of technical consultants, medical professionals, and private entrepreneurs.

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Steve represents high-net-worth investors, retirees, and corporate professionals, advising them on compliance, tax exposure, and wealth preservation under state and federal frameworks. He has deep experience in identifying and restructuring complex, high-fee, or legacy financial products—such as outdated variable annuities—into modern, low-friction fiduciary structures to protect client assets. He is also highly active in commercial and personal wealth coordination, ensuring that corporate assets, real estate holdings, and liquid portfolios are aligned to preserve and compound family legacies.

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Steve also loves dogs.