Twombly Financial

Who I Help

Smart financial planning for engineers & professionals in Kansas City

I work primarily with engineers and technology professionals in the KC metro — people with strong incomes, complex benefit packages, and not enough time to figure out if they're making the most of what they've built. I also serve pre-retirees and small business owners who need a trusted partner, not just a product.

Primary Focus

Engineers & Technology Professionals

KC metro engineers with complex compensation — company stock, 401(k)s that need attention, and a retirement that's closer than it used to feel. I speak your language and show you the math.

Also Serving

Pre-Retirees (Ages 52–65)

If retirement is 5–15 years away, the decisions you make now matter most. Income gap analysis, Social Security timing, and withdrawal strategy — done in a plan you can verify.

Also Serving

Small Business Owners

Key person planning, executive comp, succession strategy, and protecting what you've built — from someone who has built and sold a business himself.

The Moments That Matter

I help at the decisions that don't have an obvious answer

Company Stock & Equity Comp Vesting schedules, tax implications, when to hold vs. sell — and how it all fits into your retirement picture

401(k) & IRA Strategy Rollovers, allocation, Roth conversions, contribution timing — a plan, not guesswork

Pre-Retirement Planning Income gap analysis, Social Security timing, withdrawal order — the math that tells you when you can actually retire

Business Transitions Key person planning, succession, exit strategy, executive comp — from an advisor who has been there

How I Work

A teacher and guide first — always

You work directly with me.No junior associates, no handoffs, no call centers.
I educate before I recommend.You'll understand what you own and why before anything is signed. You'll never hear "just trust me."
Every plan is customized.Your situation isn't the same as anyone else's, and your advice shouldn't be either.
I show you the math.Every assumption documented. Every number traceable. That's the plan you deserve.
No minimums.If you're serious about your financial future, I'm serious about helping you get there.

About Steven Twombly

I spent years asking financial advisors one question. None of them could answer it.

Computer Engineering Computer Science Business Owner Wealth Advisor

"Show me the math."

Every advisor I met gave me a retirement number — a big, confident figure. But when I asked them to walk me through how they got there, the conversation always fell apart. As an engineer, that drove me crazy. I didn't need to be managed. I needed to understand.

It wasn't until I sold my business that someone finally handed me what I'd been asking for all along: a real financial plan. 76 pages. Every assumption documented. Every number traceable.

I didn't just read it. I reverse-engineered it into a spreadsheet to verify the math myself.

When the numbers held up, I was floored — not because the number was what I expected, but because for the first time I knew. Really knew. Not because someone told me to trust them, but because I could see exactly how it all worked.

That moment is why I became a financial advisor. I work with engineers and technology professionals in the Kansas City area — people who think the same way I do. People who don't want to be told what the number is. They want to know why it's the number.

If that sounds like you, I'd love to connect.

Get in Touch