MEET STEVE BALCH, CFP®
I’m Steve Balch, CFP®, Director of Financial Planning & Wealth Management at CERTA Financial Planning.
Since 2009, I’ve helped high-income professionals and business owners in their 40s, 50s, and 60s make informed decisions during some of their most important earning years.
Many of my clients are building significant wealth while managing competing priorities such as taxes, equity compensation, investment decisions, business ownership, and preparing for retirement. They’re successful, busy, and capable of making financial decisions on their own. What they often need is a clear, coordinated plan that helps them understand how all the pieces fit together.
My role is to help answer questions like:
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Are you making the most of your peak earning years?
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Are your investments, taxes, and retirement strategy working together?
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Can you enjoy your life today while still making meaningful progress toward your future goals?
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What decisions should you be making now to give yourself more flexibility later?
I’m headquartered in North Jersey and work with clients nationwide through secure virtual meetings.
Why I do this work
Earlier in my career, I worked at a large discount brokerage, where I helped hundreds of families but saw firsthand how often financial advice became focused on transactions rather than comprehensive planning. I wanted to take a broader approach.
Since joining CERTA in 2022, I’ve focused on integrating investments, tax considerations, retirement income, insurance, estate planning, and personal goals into one cohesive financial plan, so clients can build wealth, enjoy life today, and move toward retirement with greater confidence.
Outside of work
When I’m not working with clients, you’ll usually find me coaching my kids’ sports, fitting in a round of golf, or trying to
perfect the stripes on my lawn.
Let's Connect
You’ve worked hard to build your income and wealth. Now you want to know that the pieces are working together and that you’re making progress toward the life and retirement you envision.
If you’re a high-income professional or business owner looking for a clear, actionable financial plan, let’s talk.