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STEPHEN J. DYBWAD  2605 WICKERSHAM DRIVE, MUNCIE, INDIANA 47304  |  765-760-1010 |  800-959-3526

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Highly individualized financial guidance.

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FINANCIAL PLANNING | RETIREMENT PLANNING | EDUCATION PLANNING | WEALTH MANAGEMENT

Proper planning is the key to your financial success.

About My Services

I operate on the principle that every client is unique and therefore needs excellent personalized service. My goal is to provide financial stability, financial security, and financial independence to every single client.

 

My Commitment

Dream Big – and together we will do the work to get there. With my knowledgeable, hands-on approach, you will experience top-notch, professional financial guidance, tailored specifically for you.

 

It is my job to keep you focused on your goals, and remind you that the plan we create will get you to retirement in style! I will help you maintain a disciplined-yet-flexible approach so those big dreams can become reality.

 

My Principles for Success

I believe that fully understanding your current financial situation and your future financial goals is absolutely critical in making prudent financial decisions. The financial world changes constantly and quickly. I believe my continual education and training are necessary to help you protect your assets, increase your wealth, maximize your income, and make sure you don’t pay one penny more than your share of taxes. If I need to borrow brains, I will collaborate with other professionals to ensure you get the best advice I can give you.

 

 

CONTACT US

www.stephenjdybwad.com | 800-959-3526

All written content on this site is for information purposes only. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Stephen J. Dybwad is an investment advisor with Virtue Capital Management, LLC.   Investment Advisory Services offered through Virtue Capital Management, LLC; an SEC registered investment advisor. Virtue Capital Management is independent of Dybwad Financial.

Meet Stephen J. Dybwad.

Call me Steve.

 

I grew up in this business. From the time I was old enough to understand what was going on around me,

I watched my dad consistently and conscientiously take care of hundreds of families’ financial needs.

It seemed like the most natural thing in the world that I would do the same thing, so, in 1974, while I was still in high school, I obtained my first professional license to provide financial services to the general public.

I stepped away for a while to get my bachelor’s degree, do some graduate work, and get married,

but I found my way back into this profession in 1986.

 

For the last 30+ years I have been doing my best to provide highly individualized financial guidance to the hundreds of families who have placed their trust in me. Those families have taught me a lot. Here are some of the things I have learned along the way:

 

•  Good financial advice is more about living than it is about money

•  Life almost never matches the plan, so the plan has to be flexible

•  Despite understanding the ups and downs of a long term plan – nobody likes to lose anything - ever

•  More isn’t always better – better is better, and the best person to determine what is better for you, is you

•  Financial decisions are usually pretty easy if you have the right information

•  Every type of financial product is great, if it is used properly

•  Every type of financial product is horrible, if it is used improperly

•  It is more important what a product does than what a product is

•  In golf, your swing is more important than your clubs. In personal finance, your strategy (swing) is more

    important than your product (clubs). My job is to help you with your swing first. We will pick world-class

    clubs later.

 

This site was designed to grab your attention and make it easy for you to contact me. I hope my designer, Shawn and I succeeded, because I’d love to hear from you.

 

We would probably have a pretty good time navigating this part of your life together.

 

 

 

Thanks for stopping by.

CONTACT US

www.stephenjdybwad.com | 800-959-3526

All written content on this site is for information purposes only. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Stephen J. Dybwad is an investment advisor with Virtue Capital Management, LLC.   Investment Advisory Services offered through Virtue Capital Management, LLC; an SEC registered investment advisor. Virtue Capital Management is independent of Dybwad Financial.

All the right services to get the job done.

Retirement Goals

 Everyone has goals for retirement. Whether your goals include travel, volunteer work, starting a new hobby or career, relaxation with friends and family, or establishing a legacy, you want to live retirement to its fullest. You never want to live with the fear you may outlive your money.

 

Planning for retirement is a customized process where we’ll combine your investments, forecasting, budgeting, and your retirement goals into one cohesive plan to ensure you celebrate this time in life.

 

These goals are our only focus in your retirement plan. Retirement planning doesn’t have to be complicated.

An effective financial plan is just that—a plan. It forces you to make a goal, it includes different needs that you will have along the way, and it accounts for each and every liquid asset and investment that you have. Making your money work the best for you or helping you fill in the gaps you may have is my responsibility.

My job is to assist you in every aspect of your financial life. Together, we will successfully navigate through some of life's most important journeys by following a customized plan for your financial stability and independence in retirement.

Complete List of Services

Retirement Planning

Social Security Planning

Insurance Planning

Wealth Transfer Strategies

College Planning

Charitable Giving

IRAs

Precious Metals Investing

Annuities (Variable, Fixed, Indexed)

Mutual Funds

Investment Products (401k, REITs, etc)

Personal Life Insurance

Business Insurance Planning

Disability Income Insurance

Long Term Care Insurance

Retirement Rollovers

 

 

 

CONTACT US

www.stephenjdybwad.com | 800-959-3526

All written content on this site is for information purposes only. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Stephen J. Dybwad is an investment advisor with Virtue Capital Management, LLC.   Investment Advisory Services offered through Virtue Capital Management, LLC; an SEC registered investment advisor. Virtue Capital Management is independent of Dybwad Financial.

Unique financial products that I offer.

I have partnered with Virtue Capital Management and am able to bring you some of the most effective and cutting-edge financial products in the entire industry. From our unique and proprietary Stop Loss Portfolios to our revolutionary new 401kPlanPro program, our  products are second to none. Go ahead and fill out the form below and you will receive instant access to more information about all of these exciting programs free!

 

 

 

Stop Loss Portfolios

Mitigate risk and achieve the growth you need with our Stop Loss Models. The goals of these portfolios are simple: One, achieve full diversification across all U.S. equity sectors. Two, help remove the emotional aspect of investing. Three, limit downside risk and participate during a market recovery. Read our free 12 page report on our unique Stop Loss Portfolios.

 

 

The 401kPlanPro Program

The 401kPlanPro is a personalized and comprehensive program designed to help investors make informed decisions with their company-sponsored retirement plans such as as 401(k), 403(b) and 457. The 401kPlanPro includes a unique Buyline® feature that offers quarterly buy/sell recommendations and more. It's quick, it's simple and helps you maintain complete control of your assets. Read our free report now for more information.

 

 

The Truth About Annuities

Should you consider investing in an annuity? If so what type? Fixed annuity, variable annuity, fixed indexed annuity? One of the keys to annuities is to invest in the ones that work the best for you and your family. We work with over 30 insurance carriers that provide many different types of annuities to help our clients reach their goals. Read our free annuities 101 report designed to help you better understand annuities.

 

 

When To Begin Taking Social Security

According to the U.S. Social Security Administration, there are approximately 5.5 million Americans qualifying for Social Security benefits every year. Social Security (SS) is one of the few remaining sources of lifetime, inflation-adjusted income available today, and it can play a very important role in a retirement income plan. Download and read the free report.

 

 

Gold and Silver Portfolio Diversification

Gold has been used as money and a source of value for over 6000 years. Gold is also viewed as wealth insurance protection. It is the most liquid monetary asset in the world. Gold coins are acknowledged and accepted throughout the world and can easily be stored, hidden, or transported. For this reason, owning physical gold represents financial freedom, privacy and safety.

 

 

Get Free Access To All Of  These Programs Now By Filling Out

The Form Below and Downloading The Reports Instantly.

CONTACT US

www.stephenjdybwad.com | 800-959-3526

All written content on this site is for information purposes only. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Stephen J. Dybwad is an investment advisor with Virtue Capital Management, LLC.   Investment Advisory Services offered through Virtue Capital Management, LLC; an SEC registered investment advisor. Virtue Capital Management is independent of Dybwad Financial.

I am here to serve you 24/7/365.

Contact me here anytime.

Contact me here anytime or feel free to give me a call. I look forward to getting to know you and help you advance your practice with proven methods and ideas now and into your financial future.

www.stephenjdybwad.com | 800-959-3526

All written content on this site is for information purposes only. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Stephen J. Dybwad is an investment advisor with Virtue Capital Management, LLC.   Investment Advisory Services offered through Virtue Capital Management, LLC; an SEC registered investment advisor. Virtue Capital Management is independent of Dybwad Financial.