Schedule your FREE strategy session to get started on your personalized Compass Report!
Typical potential results of a Compass Report:
- 30-50% potential increase in net-spendable retirement income above current path projections; and/or
- Potentially retire 3-5 years earlier than current path projections; and/or
- Potentially increase longevity of retirement assets by 7-10+ years longer than current path projections
At Whispering Brook Financial, we believe in a holistic approach to your retirement planning.
This starts with a comprehensive, personalized Compass Report.
Clear. Concise. Compelling.
Your personalized Compass Report will be straightforward, easy to understand, and compelling with clear action steps. We don't do fluff. Let the math of tax-free retirement planning be your guide.
01
Tax-efficient Income
Increasing your retirement income has everything to do with cutting out friction (fees) as much as possible. Taxes are the largest fee in retirement planning.
02
Opportunity & Risk
A Compass Report can show you pathways to potentially decreasing your market, longevity, inflation, and tax risks while increasing your opportunities for a more fulfilling retirement.
03
Plan, Create, & Execute
The strategies within your Compass Report will show you how to relocate inefficient taxable and tax-deferred assets to tax-free assets with the capability of producing greater income for longer periods and maximizing your legacy.
04
Optimization
You've sacrificed to accumulate your retirement nest egg. Let a Compass Report with a holistic approach show you how to potentially optimize it with tax-free income for the best potential retirement possible.
Clear. Concise. Compelling.
Your personalized Compass Report will be straightforward, easy to understand, and compelling with clear action steps. We don't do fluff. Let the math of tax-free retirement planning be your guide.
01
Tax-efficient Income
Increasing your retirement income has everything to do with cutting out friction (fees) as much as possible. Taxes are the largest fee in retirement planning.
02
Opportunity & Risk
A Compass Report can show you pathways to potentially decreasing your market, longevity, inflation, and tax risks while increasing your opportunities for a more fulfilling retirement.
03
Plan, Create, & Execute
The strategies within your Compass Report will show you how to relocate inefficient taxable and tax-deferred assets to tax-free assets with the capability of producing greater income for longer periods and maximizing your legacy.
04
Optimization
You've sacrificed to accumulate your retirement nest egg. Let a Compass Report with a holistic approach show you how to potentially optimize it with tax-free income for the best potential retirement possible.
No gimmicks. No fluff. Just math.
Asset Location Is More Important Than Asset Allocation
Where do the majority of your retirement assets live?
Taxable
While usually highly liquid, taxable vehicles (bank accounts, CDs, mutual funds/ETFs, bonds, etc) are taxable with every realized gain.
While providing good liquidity for short-term savings goals or emergencies, consistent and frequent taxes can severely detriment your long-term accumulation efforts to the tune of hundreds of thousands of dollars.
Tax-deferred/Tax-procrastination
Typical retirement accounts (such as 401(k)s and IRAs) procrastinate taxes until the future. Contrary to popular belief, most retirees do not find themselves in a lower tax liability situation upon retirement. These types of accounts generally maximize your taxes over your lifetime. Some financial experts have started referring to them as "tax-maximization" accounts. Many Americans come to realize their silent retirement partner (the IRS) isn't so silent once retirement begins.
Tax-free
Taking advantage of vehicles in the tax-free location can potentially increase your net-spendable retirement income significantly, protect you against inevitable tax increases, and increase the longevity of your retirement assets by many years.
Strategically relocating portions of your taxable and tax-deferred assets to the tax-free location is a critical piece to optimizing your retirement. A Compass Report can help you create multiple streams of tax-free income.
Steve Eckroth
My passion for financial planning began early—watching CNBC with my dad sparked a lifelong curiosity about how money works. That interest turned into a calling during college, when I witnessed a financial advisor give my grandmother advice that would have cost her $200,000 in unnecessary taxes. That moment revealed how common poor, commission-driven guidance could be—and it fueled my commitment to always act in the best interest of clients. With over 27 years of experience, including two decades as a Private Banker at Wells Fargo and Bank of America, I specialize in helping affluent families navigate the complexities of multigenerational wealth with clarity and confidence. I take pride in translating complex strategies into actionable plans and solving new challenges every day.
Seven years ago, I founded my own firm with a fiduciary mindset, holding a Series 65 license and life, health, and accident certifications. My greatest satisfaction comes from helping families preserve what they’ve built and pass it on without disrupting family harmony. Outside of work, I enjoy a full life with my wife Chrissy, our son Steven III, and extended family. We spend time at the Jersey Shore, play sports, work out together, and enjoy golf, cards, and woodworking. Whether at the boardroom or the boardwalk, I bring the same dedication, honesty, and love for problem-solving to everything I do.
Is the 0% Tax-bracket in Retirement Possible?
With the right Compass Report and strategic implementation, we have found that many people can achieve the 0% tax-bracket in retirement.
This does not happen on accident.
It happens on purpose.
It happens by planning for it.
It happens because you take action.
Two Roads Diverged . . .
Your Compass Report will be tailored and customized to your specific situation. There's nothing cookie cutter about it. Each report will contain an analysis of at least two paths.
Current Path
Taking into account your assets and current circumstances, the Current Path analysis creates reasonable projected outcomes that take into account the dangers, opportunities, and strengths of your current situation. Essentially, "If you changed nothing, what does your future likely look like?"
- Net-spendable retirement income analysis
- Longevity analysis
- Market-risk analysis
- Tax-risk analysis
- Inflation-risk analysis
- Catastrophic event risk analysis
Holistic Path
Using the results of the Current Path as a benchmark, we go to work behind the scenes and create a customized plan to utilize tax-free retirement strategies, then run the projections again and compare.
Typical potential results of the Compass Report:
- Potential creation of 3-4 streams of tax-free retirement income
- Potentially achieving the 0% tax-bracket
- Increase in potential net-spendable income of 30-50% above the Current Path
- Increase potential longevity projections by years to decades above the Current Path
- Significant decrease in market-risk compared to Current Path
- Decrease of potential total tax liability by hundreds of thousands of dollars
- Increase of potential projected legacy to heirs by hundreds of thousands to millions of dollars
- Potential Increased resilience from catastrophic events (death, long-term care needs, severe market crashes, etc.)
Two Roads Diverged . . .
Your Compass Report will be tailored and customized to your specific situation. There's nothing cookie cutter about it. Each report will contain an analysis of at least two paths.
Current Path
Taking into account your assets and current circumstances, the Current Path analysis creates reasonable projected outcomes that take into account the dangers, opportunities, and strengths of your current situation. Essentially, "If you changed nothing, what does your future likely look like?"
- Net-spendable retirement income analysis
- Longevity analysis
- Market-risk analysis
- Tax-risk analysis
- Inflation-risk analysis
- Catastrophic event risk analysis
Holistic Path
Using the results of the Current Path as a benchmark, we go to work behind the scenes and create a customized plan to utilize tax-free retirement strategies, then run the projections again and compare.
Typical potential results of the Compass Report:
- Potential creation of 3-4 streams of tax-free retirement income
- Potentially achieving the 0% tax-bracket
- Increase in potential net-spendable income of 30-50% above the Current Path
- Increase potential longevity projections by years to decades above the Current Path
- Significant decrease in market-risk compared to Current Path
- Decrease of potential total tax liability by hundreds of thousands of dollars
- Increase of potential projected legacy to heirs by hundreds of thousands to millions of dollars
- Potential Increased resilience from catastrophic events (death, long-term care needs, severe market crashes, etc.)
Optimize Retirement.
Create Tax-free Income.
Whether you are in retirement or still working toward it, a personalized Compass Report can potentially:
- Reduce your taxes in retirement by hundreds of thousands
- Increase your total income in retirement by hundreds of thousands
- Increase longevity of your retirement nest egg by years to decades
Opinions don't matter. Math matters.
Never miss a thing! Subscribe to the WealthMap Radio Podcast!
Opinions don't matter. Math matters.
Let’s optimize your retirement.
Whispering Brook Financial focuses on tax-free retirement strategies. We're passionate about it. We excel at it. Let us create a free Compass Report for you and prove it.
Schedule your complimentary strategy session today.
Let’s optimize your retirement.
Whispering Brook Financial focuses on tax-free retirement strategies. We're passionate about it. We excel at it. Let us create a free Compass Report for you and prove it.
Schedule your complimentary strategy session today.
Past performance is no guarantee of future results. The data contained in this page is not intended to be legal or tax advice and cannot be relied upon as such. All projected results from any source contain inherent assumptions that may or may not be likely. Insurance products and services are offered and sold through individually licensed and appointed agents. Past performance is not indicative or a guarantee of future results. All strategies contain some degree of risk, and no strategy is perfect despite the best of intentions. The claims or assertions made on this page are POTENTIAL results. Your individual plan or strategy can be materially different.
IRS Circular 230 Notice: Any U.S. federal tax advice contained in this document is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter that is contained in this document.
©2025 Whispering Brook Financial. All rights reserved. Privacy Policy