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Steve Kostyk Financial Advising

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Steve Kostyk Financial Advising, Financial planner, Newtown Square, Newtown Square, PA.

10/22/2026

Owning five ETFs does not always mean you own five different sets of risks. 🤖

Broad market funds often hold many of the same large companies.

In funds weighted by company size, the biggest businesses can make up a meaningful share of the portfolio.

If those companies are closely tied to AI investment and expectations, your portfolio may have more exposure to that theme than the number of funds suggests.

That exposure can help when those companies do well.

It can also create a headwind if their prices fall, especially when several funds own the same names.

This is not a reason to assume that AI-related investments are automatically too risky or that a pullback is inevitable. It is a reason to understand what you own and why.

A few useful questions:

• Which companies show up in more than one fund?
• How much of the overall portfolio depends on the same large businesses?
• Does that concentration fit my time horizon and comfort with losses?
• Is each fund adding a different role, or mostly repeating exposure I already have?

Diversification is about the risks underneath the labels.

Looking through your holdings can reveal whether the portfolio is as balanced as it appears.

10/20/2026

Interest rates get a lot of attention, but the more useful question is: How might they affect my financial picture?

For someone with a mortgage or other variable-rate debt, higher rates can mean higher borrowing costs.

For someone keeping money in savings or short-term investments, higher rates may offer more income than they did in a lower-rate environment.

Bonds can be affected too.

When interest rates rise, existing bonds with lower rates may lose value.

When rates fall, those existing bonds may become more attractive.

The impact depends on what you own, when you may need the money, and how your investments fit together.

That’s why I’m careful about making decisions based on one rate announcement or headline. Interest rates matter, but they’re only one part of the picture.

A good place to start is to review your debt, cash reserves, and investment mix, then ask whether each is still supporting the goals you have today.

10/13/2026

A client dinner is not a meeting you measure by how many agenda items you get through. 🥂

Last Thursday, I hosted a small group of clients we’ve gotten to know especially well. We kept the evening relaxed, with a buffet and open seating so people could move around and enjoy the conversation.

One of my favorite parts was watching everyone settle in and connect. Haley has a way of making people feel welcome, and before long she was helping bring people into the conversation.

So much of our work with clients is about the important decisions: planning for the future, weighing options, and making sure the pieces fit together.

It was nice to have an evening to step away from all of that and simply enjoy being together.

I’m grateful for the trust these clients have placed in us and for the relationships we’ve built over time. And I’m glad Haley could be part of the evening, too.

Thanks to everyone who joined us! We had a great night!

10/08/2026

Receiving an unexpected $10,000 sounds like it would make your financial life easier.

But it may immediately create another decision.

Do you pay down debt?

Keep it available in case something unexpected happens?

Invest it for the future?

Or finally use some of it for something you’ve been putting off?

All four choices can make sense.

The right answer depends on what your financial life needs most right now—not necessarily which option looks best on paper.

Sometimes the most financially responsible choice is building security.

Sometimes it’s creating more flexibility.

And sometimes it’s allowing yourself to enjoy some of the money you’ve worked hard to earn.

If an unexpected $10,000 hit your bank account tomorrow, what would you prioritize first?

A. Paying down debt
B. Building your cash reserves
C. Investing for the future
D. Splitting it between financial goals and something enjoyable

10/06/2026

Imagine someone offered to buy your business tomorrow.

Could you confidently answer:

What is it actually worth?

How dependent is it on you?

How much personal wealth has it helped you build outside the business?

For many owners, the business produces income, but it has never been intentionally managed as an asset.

That is an important difference.

As year-end approaches, the best question may not be, “How much revenue did we generate?”

It may be:

“What is all of this work actually building?”

09/28/2026

Taxes can have a meaningful impact on long-term investment results.

Join us on Wednesday, October 14 at 6:00 p.m. ET for a webinar on tax-efficient investing featuring Joseph Rizzello and Ryan Kirk, CFA, of NewSquare Capital.

They will discuss tax-loss harvesting, direct indexing, concentrated positions, appreciated assets, and other strategies designed to help investors manage taxes more effectively.

This may be especially helpful if you:

• Are in a high tax bracket
• Own appreciated stock, real estate, or a concentrated position
• Anticipate selling a business, property, or another taxable asset
• Want your portfolio to better reflect your personal values

Register here: https://bit.ly/4xTVTZo

09/24/2026

The most avoidable year-end planning mistake is beginning year-end planning in December.

By then, certain changes may require additional payroll cycles, employer elections, custodian processing, or coordination with a CPA or attorney.

September and October provide more room to move deliberately. ✅

A few areas worth reviewing before the fourth quarter gets busy:

• Retirement contribution progress
• Estimated taxes and investment gains or losses
• Insurance and beneficiary information after any life changes
• HSA, FSA, and open-enrollment decisions
• Charitable-giving intentions
• Financial tasks involving another professional or institution

The objective is not to complete everything today.

It is to identify which decisions will require time, information, or coordination.

December should be used for finishing the plan.

Fall is when you find out what needs to be done.

09/22/2026

One of the least impressive answers a financial advisor can give may also be one of the most valuable:

“Do nothing yet.”

Not every maturing CD needs to be reinvested immediately.

Not every market decline requires a trade.

Not every mortgage should be paid off simply because the cash is available.

Sometimes a critical piece of information is still missing.

• An upcoming purchase
• A tax estimate
• A spouse’s priorities
• A business cash-flow need
• A clearer understanding of risk

Activity feels like progress because something changed.

But financial decisions need to happen in the right order.

When important facts are still missing, a temporary pause can be a strategy, not indecision.

09/18/2026

Retirement is not primarily an age.

It is a paycheck-replacement problem.

Many people begin by asking:

“Can I retire at 60 or 65?”

A more concrete question is:

“If my paycheck stops on Friday, what deposits will arrive on Monday?”

Will the income come from Social Security?

A pension?
Portfolio withdrawals?
A business or rental property?
Cash reserves?

Then come the second-level questions.

How will that income be taxed? Does it increase with inflation? How dependable is it? What happens during a poor market? What continues for a surviving spouse?

An investment balance becomes a retirement-income plan only when it is translated into actual cash flow.

That is when “I think I have enough” can become “I understand how my retirement will work.”

09/16/2026

A 2002 Camaro is not the most rational line item on a spreadsheet. 🏎️

That is part of the point.

I have been working on mine lately, including getting a new set of wheels, and it reminded me why a good financial plan needs room for things that do not maximize a financial ratio.

I have wanted a GM F-Body since I was about 12 years old. I bought this Camaro right before my 18th birthday after saving about $6,000 from working summers and weekends.

Since then, the car has become a lot more than just a car.

Friends and family have helped me work on it over the years. We replaced the engine after the old one blew, Steve Weigner helped me with the stereo and speakers, and Matt Rockle at Clay’s Automotive helped with the lowering springs, suspension, wheels, and tires.

That history is what makes it special to me.

Cars can be impractical.

Travel can be expensive.

Hobbies can look unnecessary to someone who does not share them.

The goal of financial planning should not be to remove every enjoyable expense in the name of efficiency.

It should help you identify what genuinely matters, fund it intentionally, and enjoy it without quietly sacrificing your more important priorities.

Not every worthwhile decision produces the highest financial return.

Some decisions simply make life more enjoyable.

Address

Newtown Square
Newtown Square, PA
19073

Telephone

+16103557867

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