Free Consultation

Helping Individuals and Families Navigate All of Life’s Transitions. 

About Us
Free Consultation

Our Services

Most traditional advisors like to focus solely on your investments. At Next Step Financial Transitions, we do things a little differently by taking a holistic approach to financial planning. This means the first thing we do is get to know you – your values, your goals, and your personality. It is not until we fully know you as an individual or family that we can begin to build out your financial plan to serve as a roadmap for your future, because you can’t take your next step until you know where you are going.

Roadmap with Real-time GPS (Ongoing Financial Planning)

• An ongoing relationship with us to keep you accountable towards your goals and course correct along the way.
• Includes advice in all areas of financial planning.
• Help you identify your short and long-term goals.
• Time-relevant advice for different stages of life.

Just the Map (One-Time Financial Plan)

• For those who aren’t looking for ongoing accountability, we offer a one-time comprehensive financial plan (to get started).
• Perfect for recent graduates and newlyweds.
• Identifying your financial and investment goals.
• Differentiating your long-term and short-term saving/spending goals.
• Practical strategies for achieving these goals.
• Up to 3 meetings throughout the year

FREE Consultation

Welcome to Next Step Financial Transitions

Financial Planning – What’s included?

Goal Identification

What your life goals are and how they align with your finances is the first step towards practical financial planning. Differentiating and reconciling short-term and long-term financial goals are equally important.

Current Financial Situation

Understanding your income, assets, savings, and investments allow us to gauge where you are and whether or not you are moving towards your goals at the right speed.

Risk Management/Insurance Analysis

Analyze current insurance and coordinate with professionals to make sure you and your family are adequately protected.

Budget (or Spending Plan) Review

We help you find the optimal balance between what comes in and what is going out and tweak it according to your financial goals and changing expenses (down payment, a new kid on the way, etc.).

Cash Flow Analysis

We advise and guide individuals and couples regarding the balance between income and expenses and how it can impact your finances’ trajectory.

Retirement Planning

The earlier you start, the better your options will be. But we can help you create a workable plan no matter how close you are to retirement.

Education Planning

With a proper education plan in place, you or your child won’t have to be crushed by student debt.

Debt Reduction

Financial discipline and planning are imperative to reduce or eliminate your debt. We can help you with both to strategically minimize your debt burden.

Review and Advice on Employment Benefits

Whether you are taking on a new job or renegotiating your package with your current employer, understanding how employment benefits play into your finances can be critical.

Investment Planning

Make sure your money is working just as hard as you are and is properly structured to be in line with your objectives and risk tolerance.

Estate Planning

Coordinate with professionals to ensure everything is in place so that everything passes according to your wishes when you are no longer here and properly structured for your loved ones.

Tax Planning

It is not about what you earn but what you keep. We identify strategies to reduce your overall tax implications both now and during retirement.

Post-Divorce Transition

We are experienced in helping our clients through the emotional and financial trauma of divorce. We can guide you on how you can put your financial life back together.

Meet Our Team

Lance Elrod,
Lance Elrod,

CFP® – Co-owner

Tessa Elrod
Tessa Elrod

CFP®, CDFA® – Co-owner

Privacy Settings
We use cookies to enhance your experience while using our website. If you are using our Services via a browser you can restrict, block or remove cookies through your web browser settings. We also use content and scripts from third parties that may use tracking technologies. You can selectively provide your consent below to allow such third party embeds. For complete information about the cookies we use, data we collect and how we process them, please check our Privacy Policy
Consent to display content from - Youtube
Consent to display content from - Vimeo
Google Maps
Consent to display content from - Google
Free Consultation