Fintopia Advisors

Talk with Steve Wilson

Hi, I'm Steve Wilson


Steve is a seasoned consultant with over 25 years of experience dedicated to enhancing the value of businesses by optimizing their investment in people. Frequently this means looking for improvements in employee benefits plans. Steve's approach is unique: instead of simply reducing benefit levels to cut costs, he employs innovative design strategies and data analytics to improve benefits quality, ultimately reducing long-term expenses. His expertise has empowered countless business owners to position themselves as employers of choice, attracting and retaining top talent in competitive markets. His education is in Organizational Psychology and Finance. He has earned the Accredited Retirement Plan Consultant designation from the Society of Plan Actuaries and Record Keepers and has a commitment to lifelong learning evidenced by his pursuit of dual master's degrees, including an MBA and a Master's in Data Science.


When not working, he enjoys spending time with his family. He is also a sworn enemy of golf courses everywhere and has been known to spend hours relentlessly creating hundreds of divots and scaring fish in ponds with a very accurate slice.


Email: steve@fintopiafp.com

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If you have a question about your retirement strategy, financial security or a professional analysis?  We are here to help. 


The timing is important.  Don't wait to give yourself the piece of mind you deserve.  Here are a few areas of interest that Fintopia Financial can help.


  • Smart Retirement Strategies
  • Estate Planning
  • Tax Strategies
  • Financial Security
  • And much more!

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Testimonials

News & Press

September 25, 2024
In today's complex financial landscape, navigating your way to financial well-being can feel overwhelming. The good news? You don’t have to do it alone! At Fintopia Financial Partners, we believe in the transformative power of having all your financial services under one roof, and we are here to guide you on your journey to financial utopia. Architects of Financial Utopia Imagine a team of exceptional minds and dedicated professionals working in harmony to shape the core of your financial future. That’s exactly what you’ll find at Fintopia. Our united commitment to guiding you toward prosperity is rooted in a shared vision of sculpting a financial utopia tailored to your unique needs. When you choose Fintopia, you gain access to a diverse team of experts who bring a wealth of knowledge, creativity, and unwavering dedication to the table. Whether it’s retirement planning, investment management, tax strategies, or estate planning, we have specialists ready to craft a comprehensive strategy that aligns with your goals. The Benefits of One-Stop Financial Services 1. Holistic Financial Planning Having all your financial services in one place allows for a more integrated approach to financial planning. Our professionals work collaboratively, ensuring that every aspect of your financial life is aligned. This holistic approach leads to better decision-making and a cohesive strategy that reflects your aspirations. 2. Streamlined Communication When your financial services are fragmented across different providers, important information can fall through the cracks. With Fintopia, all your financial advisors are just a conversation away. You’ll enjoy streamlined communication and the peace of mind that comes from knowing everyone is on the same page, working toward your financial success. 3. Customized Strategies Every individual and family has unique financial goals and circumstances. At Fintopia, we take the time to understand your specific situation, crafting customized strategies that reflect your dreams and values. Our diverse team collaborates to weave a tapestry of financial success that addresses your needs, ensuring no detail is overlooked. 4. Enhanced Accountability When you have a team of dedicated professionals managing your financial services, you benefit from enhanced accountability. Our experts are committed to monitoring your progress and making necessary adjustments along the way, keeping you on track to achieve your financial goals. 5. More Time for You By consolidating your financial services under one roof, you free up valuable time and energy that can be better spent on what truly matters—enjoying life. Let us handle the intricacies of your financial planning while you focus on your passions, family, and experiences that bring you joy. Join Us on the Journey At Fintopia Financial Partners, we are passionate about turning your financial dreams into reality. Our exceptional team is dedicated to guiding you every step of the way as we embark on this journey together. Ready to experience the power of having all your financial services under one roof? Visit us at www.fintopiafp.com to learn more about how we can help you sculpt your financial utopia. Together, let’s weave a tapestry of financial success and create a fulfilling, stress-free financial existence that empowers you to live your best life. Welcome to Fintopia, where your financial future begins!
September 20, 2021
Are your retirement assets are protected from creditors? Just like anything with retirement planning, it depends on the circumstance. Consider a few things to consider while planning for your retirement. Articles about retirement planning typically discuss saving for the future and using different investment vehicles to help grow savings. You also may encounter articles about distribution methods for tax efficiency and longevity in retirement. How about protecting investments? No, not protection from the market, inflation, or other retirement risks, but protection from outside parties such as creditors. Here are a few things to know: Employer-sponsored plans covered by the Employee Retirement Income Security Act of 1974 (ERISA) are pr otected from creditors under federal law (certain exceptions apply). Simple IRAs and SEP-IRAs, though considered ERISA, are not covered under federal law. Non-ERISA employer plans are not protected under federal law; however, they may be protected under state law. IRAs and Roth IRAs may be covered under state law. Each state has different thresholds of protection and exemptions vary. These are just general items to know regarding asset protection. The plan is to get ahead of a situation before it happens with the hope it doesn’t happen at all. It is also wise to seek legal advice in their specific states so there are no surprises in the long run. Retirement planning is a process. A good plan does not mean just protection just from the market, but also from creditors and third parties. Laying out a plan and understanding your risks could lead to success in retirement.
August 25, 2021
You likely have life insurance. You know that your family will be okay should your life end prematurely. But what if you become disabled? There’s a good chance that you don’t have sufficient resources or insurance to replace lost income if you find yourself unable to work. Most Americans fail to consider the ramifications of short or long-term disability. If you’re self-employed, the likelihood that you have sufficient disability protection is even less. Disability insurance is pricey, yet imperative, unless you have the financial resources to survive without an income for an extended period of time. Avoid financial disaster by preparing yourself for the possibility of disability: 1. An emergency fund offers short-term protection against income loss. An emergency fund isn’t just for replacing a broken refrigerator or paying the bills after the loss of a job. Your emergency fund can replace wages lost due to disability. Unless your emergency fund is substantial, it will be insufficient if you’re disabled in the long-term. 2. A few states have disability programs. If you’re lucky enough to live in Rhode Island, California, New York, New Jersey, or Hawaii, you might be already covered for short-term disability. 3. Social Security can provide disability assistance. However, the definition of disabled isn’t easily met. Your disability must be expected to last for at least 12 months or likely to result in death. You must be unable to do your current job and unable to adjust to other employment. • Roughly only 30% of applicants are approved. The monthly payment is based on a percentage of your usual pay. Only around $1,200 each month is the average amount. 4. Your employer may offer disability insurance. The limits of group disability insurance plans are normally up to 60% of your salary or $5,000 per month, whichever is less. If you’re used to going through life with a $150,000 salary, a few changes might be in order if you ever have to use your disability insurance. 5. Purchase your own disability policy. Disability insurance is expensive to acquire on your own, but there are many options available. Keep in mind that there is a waiting period, typically 90 days before the policy goes into effect. • Pay attention to the definition of “disabled.” It might mean you’re unable to work at your current job. It might mean that you’re unable to work any job. The cost of the policy is largely dependent on the definition of “disabled.” • The benefits period can vary. It might end at a certain age, or only be in effect for a set number of years. • The elimination period is the amount of time after your disability before the policy begins to pay. • The monthly benefit amount can be chosen. You might need more or less than someone else. • While life insurance costs around 25 cents per $1,000 of coverage, disability insurance is around $20 per $1,000 of coverage. That’s 80 times more expensive! However, if you’re under 65, you’re much more likely to become disabled for at least 90 days than you are to die. 6. Worker’s compensation. If you’re injured at your place of employment and unable to work, you’re covered under workers’ compensation. However, you’re three times more likely to receive an injury outside of work that limits your ability to work. You don’t receive workers’ compensation if that happens. Review your financial situation and decide if you’re adequately covered should you be unable to work for an extended period of time. Your income is your most important asset. It’s important to protect it. For your financial security, ensure that you and your family will have a sufficient income if you can’t work.
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