Stewardship Financial Planning

Stewardship Financial Planning

Stewardship Financial Planning launched in 2003 when John Belluardo left the institutional and wirehouse worlds — TIAA-CREF, Morgan Stanley, KPMG, and General Motors Asset Management — to build an advisory firm around a single structural commitment: flat-fee billing that decouples compensation from assets under management. Belluardo holds a ChFC designation from The American College and operates the firm from Irvington, New York, working directly with every client. Stewardship’s service mix covers retirement planning, investment management, college savings, insurance advice, cash-flow and budgeting work, and 401(k) setup for small and medium-sized businesses. The investment process uses a proprietary bucket-approach software that separates short-term and long-term capital, though the firm discloses no external managers, direct-deal activity, or named institutional co-investors. The practice serves individuals, businesses, charitable organizations, trusts, and estates, with a geographic footprint that appears concentrated in the New York metro area. Headcount is not publicly disclosed, and the firm lists no additional offices beyond its single Irvington location. There are no known adjacent vehicles, philanthropic foundations, or club-network affiliations. Stewardship’s CRS filing — a required SEC relationship summary — is featured on its site as a transparency differentiator, and the firm frames its entire value proposition around independence and the absence of product-sales incentives. Structurally, Stewardship operates as an owner-operated RIA where the founder remains the sole advisor, handling every planning engagement personally. No succession structure, internal partnership, or junior advisory platform is visible from public disclosures — making the firm a concentrated bet on Belluardo’s individual practice continuity.