Steven Balch
Helping you organize your financial life so you can focus on what truly matters
Firm not on file · Ramsey, New Jersey
Steven Balch is a fee-only financial advisor in Ramsey, New Jersey, who holds the CFP credential. Steven charges a percentage of assets, a one-time planning fee and a flat fee or retainer (ongoing planning from $6,000 a year and one-time plans from $5,000) and focuses on small business owners, retirement planning and equity compensation.
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Specialties
Who they serve
- High earners
- HENRY (High Earners, Not Rich Yet)
- Executives
- Founders
- Pre-retirees
- Retirees
About
Hi, I’m Steve Balch, a Certified Financial Planner™. I help busy professionals and retirees organize their financial lives so they can focus on what truly matters.
When your finances aren’t organized, it leads to stress, missed opportunities, and uncertainty about the future.
That’s where I come in.
At Certa Financial Planning, we simplify your entire financial picture—investments, taxes, retirement, and estate planning—so everything works together toward your goals.
We help you gain clarity, build confidence in your plan, and free up your time.
When your financial life is in order, you can stop worrying about the details and start focusing on what matters most.
Let’s build a plan that puts you back in control.
Services
- Asset Allocation
- Cash Flow Planning
- College/Education Planning
- Education Planning
- Estate Planning
- Financial Planning
- Insurance Planning
- Investment Management
- Portfolio Rebalancing
- Retirement Planning
- Social Security Planning
- Tax Strategy
- Wealth Management
- Stock Option Planning
- Risk Management
- Portfolio Management
- Life Transition Planning
- Insurance/Risk Management
- Financial Advice & Coaching
- Debt Management
- Charitable Giving
Facts
| Based in | Ramsey, New Jersey |
|---|---|
| Fee model | Percentage of assets · One-time planning fee · Flat fee or retainer |
| Fees (firm's website) | Ongoing planning from $6,000 a year · One-time plans from $5,000 · 1.25% a year on the first tier of assets managed |
| Works virtually | Yes |
| Accepting new clients | Yes |
| Assets under management | $100M - $500M |
| Firm founded | 2022 |
| Firm size | 2 - 5 employees |
| Credentials | CFP |
| Investment approach | Blend of both |
| Website | stevebalch.com |
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Questions about Steven
Is Steven Balch a fee-only financial advisor?
Yes. Steven Balch is listed in the public advisor directory (listed as fee-only).
How does Steven charge for financial advice?
Steven charges a percentage of assets, a one-time planning fee and a flat fee or retainer.
How much does Steven charge?
According to the firm's website, checked October 28, 2026: ongoing planning from $6,000 a year; one-time plans from $5,000; 1.25% a year on the first tier of assets managed.
Does Steven work with clients virtually?
Yes. Steven's firm says on its website that it works with clients remotely.
Where is Steven Balch based?
Steven Balch is based in Ramsey, New Jersey.
What does Steven specialize in?
Steven's specialties include small business owners, retirement planning, equity compensation, tax planning and estate & legacy planning. Steven works with high earners, HENRY (High Earners, Not Rich Yet), executives, founders and pre-retirees.
What credentials does Steven Balch hold?
Steven Balch holds the CFP credential.
How do I contact Steven Balch?
Through Steven's website, stevebalch.com .
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- Public advisor directory : listed as fee-only
- The firm's website : specialties, clients served, and fees, checked October 28, 2026
- Directory listing last checked April 25, 2026.
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