Steven Rozencwaig | Source | Senior Vice President, Wealth Management, International Wealth Advisor at Ray...

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Steven Rozencwaig

Senior Vice President, Wealth Management, International Wealth Advisor at Raymond James
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With more than 34 years of experience in financial planning and investment management, Steven has the accumulated knowledge and perspective to help you with your financial goals. Steven understands the dynamics of wealth, how to balance the complex forces at work and how to adapt intelligently as conditions change. As your life and your needs as an investor evolve, so will your vision for the future and risk tolerance. Steven will be with you every step of the way offering sound advice and customized financial strategies designed specifically for you.

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  • Raymond James
    Senior Vice President, Wealth Management, International Wealth Advisor
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  • HELOCs: A Financial Lifeline for Retirees Amid Market Downturns
    Steven advises retirees on using HELOCs to manage cash flow during market downturns. While HELOCs offer immediate financial relief, retirees must consider repayment challenges post-draw period. "The ability to pay back the loan is something that needs to be factored in," Steven notes. Alternatives like Securities Backed loans may offer more flexible repayment options.
  • Rethinking Emergency Funds: Why 3-6 Months May Not Suffice
    Steven emphasizes that the traditional 3-6 month emergency fund is a guideline, not a rule. Factors like family support, employment stability, and variable costs should influence your savings strategy. "The current state of inflation adds a level of uncertainty," he notes, urging individuals to adjust their funds as life changes and consult advisors for tailored strategies.
  • Navigating Financial Advisors: Expert Insights from Steven Rozencwaig
    Steven suggests using BrokerCheck to verify advisors' credentials. He emphasizes understanding fee structures and minimum investments. For middle-income individuals, he advises evaluating personal needs and goals. "Many advisors will offer a complimentary session," Steven notes, to assess compatibility. His insights guide clients in making informed financial planning decisions.
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