Business Details
38 Years
experience
Your Trusted Partner for Financial Planning Solutions
Founded in 1988 by Steve and Susan Zimmerman, Mindful Asset Planning (MAP) has evolved into a second-generation family of owner partners dedicated to compassionate financial planning. Our team of certified professionals collaborates with clients to integrate financial and human asset strategies, prioritizing fiduciary responsibility and unbiased advice. With decades of combined experience, we specialize in custom financial planning that aligns with clients' values, life goals, and unique money personalities. Our approach combines technical expertise in retirement income strategies, investment analysis, tax planning, and estate planning with psychological insights to address emotional and behavioral aspects of financial decision-making.As fee-only advisors, we maintain strict independence from third-party commissions, ensuring our focus remains solely on clients' best interests. Our commitment to transparency, education, and mindful planning empowers clients to achieve financial clarity, security, and long-term prosperity.
Services
Financial Planning
Retirement Planning
Investment Strategies
Estate Planning
Tax Strategies
Debt Analysis
Insurance Analysis
Education Planning
Business Planning
Behavioral Finance Counseling
Details
- Year established: 1988
Highlights and features
- We operate as fiduciaries with a strict fee-only structure, eliminating conflicts of interest
- Our team includes Certified Financial Planners with decades of combined experience
- We integrate behavioral finance principles to address emotional aspects of money decisions
- We offer comprehensive analysis across 10+ financial planning domains including retirement, taxes, and estate planning
- Our proprietary Money Rascal Assessment helps clients understand their financial psychology
Services
Financial Planning
Our comprehensive financial planning service creates customized strategies that align with your life goals and values. We analyze your complete financial picture including income, assets, liabilities, and future objectives to develop actionable plans for wealth growth and preservation. Our approach integrates technical analysis with behavioral finance principles to help you make informed decisions that reflect both your financial needs and personal motivations.
Retirement Planning
We develop tailored retirement income strategies that optimize tax efficiency and investment performance. Our planning considers career transitions, life stages, and risk management to create sustainable income streams. We help clients navigate retirement account options, Social Security optimization, and healthcare cost planning to ensure financial security throughout their retirement years while maintaining flexibility for changing circumstances.
Investment Strategies
Our investment approach focuses on creating diversified portfolios aligned with your risk tolerance and financial goals. We analyze both traditional and alternative investments, including real estate and business holdings, to build strategies that balance growth potential with capital preservation. Our team provides ongoing portfolio analysis and rebalancing to maintain optimal asset allocation and adapt to market changes while maintaining strict fiduciary standards.
Estate Planning
We help clients create comprehensive estate plans that ensure their assets are distributed according to their wishes while minimizing tax implications. Our services include beneficiary designation strategies, will and trust planning, healthcare directives, and legacy gifting strategies. We coordinate with legal professionals to ensure proper documentation and compliance with current regulations while maintaining focus on clients' family values and charitable intentions.
Behavioral Finance Counseling
Our unique Money Rascal Assessment identifies behavioral patterns that influence financial decisions. Through this counseling service, we help clients understand their financial personality, address emotional spending habits, and develop mindful money management practices. This approach combines financial expertise with psychological insights to improve decision-making and create lasting positive financial behaviors that support long-term wealth goals.
People
Steven D. Zimmerman
Co-Founder and Senior Financial Strategist
Co-founder with 35+ years experience in financial planning, holding CFP, ChFC, and CLU certifications. Specializes in business and retirement income planning, mentoring next-generation advisors, and developing technical strategies for complex financial situations.
Susan Zimmerman
Co-Founder and Program Director
Co-founder and author with dual expertise in financial planning and psychology. Developed the MAPA assessment system integrating behavioral finance principles. Holds ChFC, LMFT, and CCTP credentials, focusing on helping clients align financial decisions with personal values and psychological well-being.
Becky Sebastian
Partner/Sr Financial Planner
Certified Financial Planner with specialized CDFA certification for divorce financial analysis. Brings analytical expertise and clear communication to complex financial planning scenarios, focusing on creating comprehensive plans that align with clients' life transitions and financial goals.
Dan Heiar
Partner/Sr Financial Planner
Certified Financial Planner with 15+ years experience in comprehensive financial planning. Focuses on business retirement plans and owner benefits, combining technical expertise with compassionate client service to help clients achieve financial security across life stages.
Mark Brice
Partner/Sr Financial Planner
Certified Financial Planner with engineering background providing analytical approach to financial planning. Specializes in aligning financial resources with core values, helping clients make quality decisions that support both their financial objectives and personal priorities.
Questions
What makes Mindful Asset Planning different from other financial advisors?
We operate as strict fiduciaries with a fee-only structure, ensuring no conflicts of interest. Our unique approach combines technical financial expertise with behavioral finance insights to address both the mathematical and emotional aspects of money management.
What services do you offer for retirement planning?
We provide comprehensive retirement planning including income strategy development, tax optimization, Social Security analysis, healthcare cost planning, and portfolio management tailored to your specific retirement timeline and lifestyle goals.
How do you help clients understand their financial behavior?
Our proprietary Money Rascal Assessment identifies behavioral patterns affecting financial decisions. We then provide personalized counseling to help clients understand their financial personality and develop more effective money management habits.
What investment strategies do you use?
We create diversified portfolios based on individual risk tolerance and goals, analyzing both traditional investments and alternative assets like real estate. Our approach focuses on long-term growth, tax efficiency, and regular portfolio rebalancing to maintain optimal asset allocation.
How does the planning process work?
We begin with an initial consultation to understand your situation, followed by a free Pathfinder meeting to explore your goals. If we're a good fit, we develop a customized financial plan tailored to your specific needs and life objectives.
What credentials do your advisors hold?
Our team includes Certified Financial Planners (CFP), Chartered Financial Consultants (ChFC), Chartered Life Underwriters (CLU), and specialists with additional certifications in divorce financial analysis and behavioral finance.
