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About Steve Charlton

Speaker Educator  Advisor

Steve Charlton is a man of faith, honor, and integrity. Whether at the gym, on the trails with his wife or in the bleachers watching his boys play baseball & swim, Steve operates with that same high level of care and passion to the conversation of money & wealth.

Steve is a Wealth Preservation Specialist and takes that title seriously. He was fortunate to begin his career in the financial industry serving as a bond-broker, working with CFO’s of banks & credit unions. This allowed him to experience and learn the institutional side of the markets, which provides tremendous wisdom to be shared into the consumer market. In 2005, Steve decided to launch his own firm and has now helped nearly 2000 families spread across the nation who have entrusted him with their financial wellbeing. Steve’s client base is diverse in both their professional backgrounds & financial needs. Steve has been actively serving his clients for nearly 20 years and proudly owns a record free of any consumer complaints. This is a direct result of the core values at Wisdom Financial.

"As fiduciaries, our job is to foster a relationship of trust, both legally and ethically. This is what drives us, so that our client and his or her best interests always come first. We then take it to the next level and employ full transparency for both our clients and the multitudes of financial institutions we work with. Our clients become our family and we could not be more grateful to serve and protect them."

"We look forward to inviting you to experience how our team can help you successfully navigate the years leading up to and for the complete duration of your retirement. Our team will equip you with a personal, thorough & exclusive plan that is actively managed to ensure you continue to prosper throughout your retirement years. We call it the 'Peace of Mind Factor'"
-Steve Charlton

Image of Steve Charlton

Steve’s personal relationship with God drives his commitment to service through trust, transparency, and faith. Taking this posture into leading his family creates the driving force of his core values & ethics. Learning the “Golden Rule” at an early age, Steve simply believed that was the only way to operate his life and chooses to live that out in every area of his life, most certainly in how he treats and cares for his clients. Steve’s best friend is his lovely wife of 20 years, Rachel. They have five incredible boys, ages 20, 18, 17, 15 and 12. Following in their father’s footsteps, they are both academically and athletically gifted. Steve is a proud leader in his home, church, and community and enjoys every opportunity to guide others in an educational capacity, whether that be regarding personal finances & the power of leverage, or in how to sit on the curve ball when you need to move the runner. While Steve & Rachel spend weekdays working hard to ensure their clients remain financially secure, the family spends weekends enjoying hikes, bike rides, spending time with extended family, and yes of course, lots of baseball.

Among his many accomplishments, Steve is a professional trained speaker and gifted fitness junky & life coach. As a speaker, Steve travels to speak from an educational perspective around the topic of economic mathematics, which is how to leverage a dollar. He says all too often that, “the greatest things about math is that there are no agendas, which is the selling that is so prevalent in this industry, but more importantly math has no emotions, 2+2=4 doesn’t give anyone anxiety.” So, his passion to educate others on tools of the wealthy and how to view both the market and any asset class, as simply a tool to get a job done. When you use the right tools for the right job, you can guarantee success.

As a coach, Steve uses his spiritual gifts of speech, habit control, and gratitude to guide married businessmen with children how to lead themselves, their wives, their families, and their businesses into elite levels of purpose. Having served as deacon at his church for several years, Steve quickly realized the need for masculine leadership among the congregation, which has grown to serve married men & families across the nation.Whether recreationally volunteering in his community or professionally helping his clients secure, grow and preserve their wealth, Steve’s sincerity and passion for continual growth &expansion cannot be duplicated.

"I believe in daily goals and mine is to be a humble servant. This is what serves as my moral compass through a deep connection with God. Our relationships and our health must be prioritized, and I am committed to helping create financial success for all of my clients so they can have and spend their free time on the things that matter most to them."
-Steve Charlton

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About Our Services

How we help you manage your money and reach your financial goals

At Wisdom Financial, we use real math (not hypothetical numbers) to help clients reduce debt, manage taxes, and increase spendable income. With a personalized approach, we will look at, identify and address all our clients individual and unique financial challenges. It's our goal to wrap our arms around our clients' situation to help them become the absolute, best financial version of themselves.

Income For Life Planning

Long-Term Care Protection

Debt Management

Tax Awareness Strategies


Steve is simply one of the hardest working and most dedicated people that I have ever worked with. The inspiring thing is, that this holds true in not only his work life, but with family and spirituality as well.
- James Cooke -
I love everything NIM does. For somebody who is not sure about retirement finance, I would never have figured out how things would benefit me the most. I was even more unsure while going through a lot of research and information and not understanding most of it. Talking to the NIM team on the phone since the first time, they have helped me out so much. This is the best experience I have ever had, most definitely. I highly recommend NIM to anyone that’s looking into retirement. I have recommended NIM to all my friends at work. P.S. Gaby is my favorite person!
- Timothy A. Allbee -
Very professional. They recommended insurance In May if S&P goes up I prosper. If it goes down my investment is guaranteed. The S&P has declined 12% since. 
- Russellreno Limprecht -
Gaby has been so helpful getting our 401K funds moved. She has been available when I needed her and explained everything very well. She is a positive thinker and easy to work with.
- April Settell and Dave May -

Resources for You!

Why the VIX "Fear Gauge" Being so Low

June 14, 2023


May 31, 2023

Debt Ceiling

May 26, 2023
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National Donut Day - Tightening Lending

May 23, 2023
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May 22, 2023
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9 phases of bear markets

March 10, 2023
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