We firmly believe in staying highly educated and pride ourselves in pursuing meaningful credentials and continuing education.  

Nexstep Financial Group. LLC, cannot provide legal or tax advice. Please consult with your qualified tax advisors and attorneys for tax- and legal- related advice.

Education and Credentials

 

Steve Kaster, MSFS, ChFC®, CIMA®, CLU®

Master of Science in Financial Services

Steve received his Master of Science in Financial Services (MSFS) degree in December 2014 from the American College of Financial Services. Steve was inspired to earn his Master's degree so he could provide an even more knowledgeable level of service to Nexstep's clients.

Designations

In addition to his MSFS, Steve also holds the following designations:

Chartered Financial Consultant® (ChFC®) 

The ChFC®, an advanced financial planning designation, covers topics like:

  • Retirement income planning 
  • Income tax and estate planning issues 
  • Business planning 
  • Behavioral finance
  • Legacy planning
  • Wealth management 
  • Life insurance

Click here to learn more about the ChFC®

 

Chartered Life Underwriter® (CLU®)

The CLU® involves the following areas:

  • Life insurance law
  • Life insurance underwriting processes 
  • Addressing estate planning needs
  • Life insurance for business owners, professionals, and families 

Click here to learn more about the CLU®

 

Certified Investment Management Analyst® (CIMA®)

  • The CIMA® is currently the only advanced designation of its kind focusing on investment management and portfolio construction.

The ChFC® and CLU® were earned through the American College of Financial Services (based in Bryn Mawr, Pennsylvania) and the CIMA® was earned through the Investments and Wealth Institute® based in Greenwood Village, Colorado.

"Retirement Planning Specialist" title

Click here to read about this title that Steve earned from the Wharton School of the University of Pennsylvania.

 

David Tornetto, ChFC®

Dave holds the following designation:

Chartered Financial Consultant® (ChFC®)

  • described above under Steve's section

Like Steve, Dave earned the ChFC® through the American College of Financial Services.

 

SJ (Stephen J.) Kaster, RICP®

SJ holds the Retirement Income Certified Professional® designation (RICP®), earned through the American College of Financial Services. This designation covers topics such as:

  • Income tax and legacy planning
  • Choosing appropriate housing
  • Planning for long-term care needs
  • Choosing distributions from employer-sponsored plans
  • Evaluating and addressing risks faced in retirement
  • Social Security claiming strategies

Sarah J. Tomaszewski (Kaster), ChSNC®, RICP®

Sarah holds the following designations:

Chartered Special Needs Consultant® (ChSNC®)

Inspired by her time tutoring college students with disabilities while she herself was an undergraduate at UW-Whitewater, Sarah holds the Chartered Special Needs Consultant® designation, earned through the American College of Financial Services. Sarah developed a passion for helping those with cognitive and physical disabililites through her time tutoring. She tutored students in business, general education courses, and her specialty was in reading comprehension and writing. She also taught study habits and time management skills.

She wanted to find a way to continue helping individuals with disabilities through her career, and she is proud to hold this designation.

The ChSNC® is currently the only credential of its kind on the market covering many of the unique challenges that individuals with disabilities and their families face, such as:

  • Disability law
  • Life insurance
  • Healthcare issues
  • Special needs trusts
  • The ABLE Act
  • Government benefits
  • Social Security
  • Medicaid complexities
  • Special education
  • Estate planning
  • Retirement planning
  • Tax deductions

Click here to learn more about the ChSNC®

Retirement Income Certified Professional® (RICP®)

Sarah also holds the Retirement Income Certified Professional® designation, earned through the American College of Financial Services like her brother, SJ. As described above under SJ's section, the RICP® covers topics such as:

  • Income tax and legacy planning
  • Choosing appropriate housing
  • Planning for long-term care needs
  • Choosing distributions from employer-sponsored plans
  • Evaluating and addressing risks faced in retirement
  • Social Security claiming strategies