# Steve Heinemann

> Steve Heinemann is a fee-only financial advisor at Recalibrating Wealth in Fountain Valley, California, who holds the CFP and CPA credentials. Steve charges a percentage of assets, a flat fee or retainer, hourly fees, an ongoing planning fee and a one-time planning fee (ongoing planning from $6,000 a year and one-time plans from $3,000) and focuses on retirement planning, estate & legacy planning and tax planning.

Page: https://find.wellspent.co/advisors/steve-heinemann/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Recalibrating Wealth
- **Based in:** Fountain Valley, California
- **Fee model:** Percentage of assets; Flat fee or retainer; Hourly; Ongoing planning fee; One-time planning fee
- **Fees (firm's website):** ongoing planning from $6,000 a year; one-time plans from $3,000; $300 an hour; 1% a year on the first tier of assets managed; no asset minimum
- **Accepting new clients:** Yes (firm's website)
- **Credentials:** CFP, CPA
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning
- **Works with:** High earners, Mid-life transitions
- **CRD:** 6158833 (https://adviserinfo.sec.gov/individual/summary/6158833)
- **SEC registration:** Investment adviser representative in CA, TX
- **Exams passed:** Series 66 (2024)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://recalibratingwealth.com

## Frequently asked questions

### Is Steve Heinemann a fee-only financial advisor?

Yes. Steve Heinemann is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Steve's firm.

### How does Steve charge for financial advice?

Steve charges a percentage of assets, a flat fee or retainer, hourly fees, an ongoing planning fee and a one-time planning fee.

### How much does Steve charge?

According to Recalibrating Wealth's website, checked October 28, 2026: ongoing planning from $6,000 a year; one-time plans from $3,000; $300 an hour; 1% a year on the first tier of assets managed; no asset minimum.

### Where is Steve Heinemann based?

Steve Heinemann is based in Fountain Valley, California.

### What does Steve specialize in?

Steve's specialties include retirement planning, estate & legacy planning and tax planning. Steve works with high earners and mid-life transitions.

### What credentials does Steve Heinemann hold?

Steve Heinemann holds the CFP and CPA credentials.

### Is Steve Heinemann registered with the SEC?

Yes. Steve Heinemann is registered as an investment adviser representative in CA and TX (CRD 6158833), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How do I contact Steve Heinemann?

Through Steve's website, recalibratingwealth.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/53036): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.recalibratingwealth.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.