FAQ

We provide comprehensive financial planning, investment management, retirement income strategies, insurance solutions, and business owner planning—tailored to your goals, life stage, and financial picture.

We work with individuals, families, and business owners—many of whom are preparing for retirement, managing significant life transitions, or seeking clarity and control in their financial future.

Ty Steinkuhler is an Independent Financial Advisor with Osaic Wealth, one of the largest independent broker-dealers in the U.S. Being independent means we are not tied to proprietary products, sales quotas, or a captive insurance agency. We have the flexibility to offer solutions that are truly in your best interest.

Osaic Wealth provides compliance oversight, operational support, and access to a broad range of investment and insurance tools allowing us to stay focused on what matters most: your goals.

We leverage a team of strategic partners to ensure we deliver top-tier service and advice:

• Osaic Wealth – Our broker/dealer, offering regulatory oversight and open-architecture investment access.
• Orion Portfolio Solutions – A premier investment and technology platform that powers portfolio construction, performance reporting, and ongoing monitoring.
• Mid-Plains Advisors (Lincoln, Nebraska) – A team of advisors I’ve worked with throughout my entire career. We collaborate and share insights regularly, enhancing the value and perspective we bring to every client relationship.
• Futurity First Insurance Group – Our dedicated insurance partner, helping us provide a wide selection of life, health, and Medicare insurance options tailored to your specific needs.

Yes. As fiduciaries, we are legally and ethically committed to always acting in your best interest. We’re always putting your goals ahead of any product or company.

We are primarily compensated through advisory fees based on assets under management. In certain cases, such as insurance planning, we may receive commissions when appropriate and fully disclosed. Our goal is always full transparency.

We use a disciplined, globally diversified approach that blends passive and active investment strategies. We focus on managing risk, remaining tax-efficient, and aligning portfolios with your long-term financial goals.

Our preferred custodian is Charles Schwab, where we implement all investment strategies. A custodian is a financial institution that securely holds your assets, provides reporting, and ensures regulatory compliance.

Yes. We incorporate life, disability, and long-term care insurance into planning when appropriate. We also coordinate with attorneys to help you build or review estate plans that align with your overall strategy.

We also have a Medicare specialist in-house to assist as you approach age 65. Through our relationship with Futurity First Insurance Group, we offer access to a wide range of insurance carriers to help you find the best solutions for your situation.

While many of our clients have $250,000 or more in investable assets, we’re happy to meet with anyone seeking meaningful financial guidance. If we’re not the right fit, we’ll still help point you in the right direction.

Schedule an introductory call or meeting. We’ll listen, learn about your goals, explain our process, and explore whether we’re a good fit. From there, we discuss the next steps and how we may be able to help.