Located in Scottsdale, Arizona
Retirement Done Your Way
You’ve earned a retirement plan that both secures your lifestyle and allows you to wake up each day without fear of market loss, reaping the rewards of a lifetime of hard work.
“Today Not Tomorrow, Together Not Alone.”
Why Choose IQ Wealth Management®?
Your adviser should be someone worthy of faith and trust. You will be confiding in him or her about your important dreams, goals, and concerns. That is why you don’t want a salesperson, you want a fiduciary who has years of experience, has managed through difficult financial times, and helped hundreds of clients turn their dreams into reality.
Our mission is simple: It’s all about you.
Ask questions and make decisions with confidence as you work with Steve, who is an Accredited Investment Fiduciary® and legally can only respond in your best interest and cannot make recommendations based on his own benefit (which he wouldn’t do anyway).
Retire with confidence after a patient and educational process of analyzing and selecting the best retirement income and growth options for your specific needs with Steve, who is a Certified Income Specialist™.
Live your retirement the way you want to with a retirement plan that fits the lifestyle you prefer that’s straightforward and easy to understand. We’ll never tell you how to live your life, but we will help you plan your retirement.
Know you’re in the right hands when making retirement decisions by working with Steve, who has specifically specialized in serving people in retirement or approaching retirement for over 20 years.
Above: Gary K. (Fox Business) gives his thoughts on Steve Jurich and IQ Wealth®
Note: Steve’s process is practical and complete. No decisions are made for you. There will always be a period of clarification, education, and selection before making any financial and/or retirement decisions. It’s important to Steve that nobody simply rushes into something before they understand its purpose.
A Team of Experienced Professionals-Ready, Willing, and Able To Help You
- Steven Jurich, Accredited Investment Fiduciary®, Certified Income Specialist™, Certified Annuity Specialist®, Founder
- INVESTMENT MANAGEMENT PARTNERS: AE Wealth Management / Sterling Capital Management, SEC Registered Investment Advisers. Combined assets: $59 billion. Investment custodians Fidelity Institutional, TD Ameritrade
- Barbara Jurich, B.A. Office Administration
- Shelley Grandidge, Independent Medicare and Health Insurance Specialist
- Steven R. Jurich, B.A.
- Katie Jurich, B.A.
- Nicholas Stefaniak, Independent CPA®, MTAX
- Libby Banks, Independent Attorney at Law
Meet Steve Jurich
Steve Jurich is an Accredited Investment Fiduciary®, a Kiplinger® Contributor, a Certified Income Specialist™, and a member in good standing of the Financial Planning Association® (FPA).
- He is president and managing member of IQ Wealth Management, a Registered Investment Adviser.
- Steve is a popular business radio commentator and best-selling author with nearly two decades of financial experience helping clients achieve their retirement goals.
- His comments have appeared in press releases published on Bloomberg, TheStreet.com, MarketWatch and CNBC.
Steve is focused on the challenges facing retirement-age individuals and those planning for retirement. His clients range in background from engineers, teachers, and medical professionals to business owners, government workers, and accountants. With nearly two decades of personal retirement planning experience, Steve can offer experienced guidance.
“I enjoy growing as a professional and growing as a person — both are processes that never stop. But my passion is helping my clients achieve the clarity, focus and relief from anxiety that comes from having reliable financial outcomes.”
Steve is licensed in securities, as well as insurance and real estate. His book on retirement, “Smart Is The New Rich,” is available now on Amazon.com. Steve is the editor of the educational annuity website, MyAnnuityGuy.com,™ and works with affluent retirees and pre-retirees seeking to preserve and grow their retirements.
Above: Steve Jurich @ IQ Wealth® Spring Summit
Accredited Investment Fiduciary®
Steve has over 20 years of experience assisting clients with the biggest financial decisions in their lives—advising only in their best interest.
Financial Bucketing Professional
Steve is the founder of the IQ Wealth Smarter Bucketing System™ which he created to help his clients achieve a higher level of security, income, and growth in retirement.
Certified Income Specialist™
Steve surveys over 1200 annuities and rejects over 98% of them and has crafted a detailed selection process to help his clients select the right annuity for their specific retirement needs.
Investment Portfolio Leader
Steve conceived, originated, and developed the IQ Wealth Black Diamond Dividend™ Growth Strategy and the IQ Wealth Blue Diamond Technology Leaders™ Portfolio.
Steve is the host of the daily radio show “Mastering Money” on Money Radio with over 1000 radio appearances.
Amazon Best Selling Author
Steve is the author of “Smart Is the New Rich”, an Amazon best-seller that outlines a more predictable and stress-free approach to retirement funding and financial independence.
Financial Media Contributor
Steve’s comments have been seen on Bloomberg.com, MarketWatch, and TheStreet.com. He’s also a contributor to Kiplinger® Online.
Catch Steve on Mastering Money™!
MONEY RADIO: AM 1510, FM 105.3
Monday – Friday | 8 AM & 11 AM | 4:30 PM
Featured Clips from Arizona’s ONLY Daily Radio Show Dedicated to Your Retirement:
“Changed My Thinking”
“Smart Is The New Rich” is a great overview of the many facets of retirement planning. It has changed my thinking about how much capital I have versus how much income I will have in retirement. The book provides easy to understand, side by side comparisons of risks and growth of hypothetical investments in Hybrid Fixed Indexed Annuities and the securities market. A good read and great reference for retirement planning for all age groups!
I’m a Certified Financial Adviser and if I didn’t run my own company I would join this guys’. Seriously, it’s a must read in today’s new financial reality in fact….I’m handing these books out to many of my clients for free, it’s THAT important! Thanks Steve, I hope to meet you in person one of these days.
After looking into annuities, and getting very confused by all the sales lingo, this book was a refreshing change. I appreciated its clear definitions of the different kinds of annuities, their pluses and downsides, and under which circumstances one may work well while another would flop. No hard-sells, no marketing jargon, just good information. Wish the rest of the annuity industry would take notes.
INVESTMENT MANAGEMENT PARTNERS: SEC Registered Investment Advisory Firms
We are a fee-based investment advisory firm acting in the fiduciary role. We are not subject to the requirements or proprietary investments of any broker dealer. YOU are the most important part of our business.
To better benefit our clients, to achieve the lowest fees possible for our clients, and to provide a solid succession plan, we work in a strategic partnership with large SEC registered RIA firms. They receive part of our fee. We believe the benefit to our clients is comprehensive daily hands-on immediate support from certified professionals who are in front of the markets every hour of every trading day.
Our clients may choose to have their accounts housed at either Fidelity Institutional or TD Ameritrade, both SIPC insured.
Our clients pay NO COMMISSIONS on any investment securities. We use a “wrap fee” structure–what you see is what you get. No additional trading charges or fees.
IQ Wealth Management offers several in-house portfolios and partners with recognized third party investment managers to further the interests of our clients.
Our Integrated Strategic Partner Firms:
AE Wealth Management
With more than $8 billion in assets under management, AE Wealth combines experience and technology to provide investment solutions for it’s network of Registered Investment Advisory Firms across the United States. IQ Wealth Management is proud to be a part of that network which includes state-of-the art technology, and full access to the Fidelity Institutional and TD Ameritrade platforms.
Sterling Capital Management
AE Wealth Management is directly involved in supervising all investment accounts for IQ Wealth Management. AE Wealth partners with Sterling Capital Management and offers its wide array of investment portfolios. Founded in 1970, Sterling Capital is a group of 130 seasoned investment and client service professionals (more than 35 CFA’s) who manage more than $54 Billion (as of 09/30/2016). Sterling is an independently operated subsidiary of BB&T Corporation—one of the largest and most respected financial services institutions in the country.
IQ Operations Team
Co-Founder / Operations Manager / Client Relations
Barbara Jurich is a graduate of Southern Methodist University, where she graduated with a bachelor’s degree in physical education. She attended SMU on a swimming scholarship and had a successful athletic career that began in high school. She is a native of Arizona. Barbara is known for her exceptional organizational skills and is responsible, along with her staff, for scheduling all appointments and maintaining the paperwork flow for the firm.
She is co-owner and co-founder of IQ Wealth® Management — Insurance Division.
Steven R. Jurich
Director of Marketing
Steve is a graduate of Cal State Fullerton University, a successful entrepreneur, and a professional film maker with a deep understanding of financial services and communications. He has been involved in all aspects of delivering the IQ Wealth Management message to the public including online advertising, media creation, copy-writing, and web design. He owns a marketing firm, Next Level Media Crew. Steve has experience in helping others succeed as a health professional. After his collegiate basketball career, Steve became an NASM Certified Fitness Instructor.
Prior to graduating from Fullerton, Steve led the nation in rebounding at the NAIA level, playing for Hope International University after transferring from Cal State, where he was named to the All-GSAC (Golden State Athletic Conference) team. He was a Junior College all-American and holds the all-time rebounding record for Scottsdale Community College. He, along with his team, led Desert Mountain High School to its first tournament win ever (2007), on the way to winning the Arizona State Championship at the 5A level.*
*The above “basketball bragging” is courtesy of Dad ????
Katie is a graduate of Sacramento State University and numerous summer programs at the Julliard School of Dance in New York. She consults and assists with IQ Wealth client events and social media. Katie met Steve while working for the Disney Corporation in Orange County, California. She is a professionally trained dancer and has appeared in multiple off Broadway style musicals in the Orange County professional circuit, including “42nd Street” and “No, No Nanette.” Katie and Steve were married in 2015.
She’s a licensed Realtor® and is a leader at the Velocity Group, a highly rated Real Estate Team in the Phoenix Metro Area. She specializes in helping people from around the US find investment properties in the ever growing Phoenix Metro Area.
Nicholas Stefaniak, CPA®
MTAX / Finance and Taxation Professional
Nicholas Stefaniak holds a master’s degree in taxation from Arizona State University, and has over 20 years of tax preparation, tax analysis and financial application of tax strategies. He is skilled and highly proficient in both individual and business returns, including all entity forms: LLC, corporation (S & C corp) and trusts. Nick has been deeply involved in progressive levels of responsibility and judgment in the application of financial and tax knowledge for company growth, expansion, acquisitions and sales of small- to medium-sized companies.
Core professional strengths in coordinating tax strategies relating to the following:
- Financial planning
- Estate planning
- Business accounting and book keeping
- Sale or purchase of new businesses
- Defined benefit plans
- Affordable tax and accounting fees, agreed in advance
- Personal and confidential attention to your account
- Complimentary tax review of previous year returns
Health Insurance Professional
Shelley is an experienced independent health insurance professional with 17 years of experience helping Arizonans make better insurance decisions. She has deep knowledge in the area of Medicare, Medicare Supplements, and Medicare Advantage–plus dental insurance and prescription drug benefits. Many clients find themselves needing better health insurance prior to reaching Medicare age. Shelley can assist you with 100% legal alternatives to Obamacare. We work with Shelley because she can help our clients get the most for their money.
Independent Estate Planning Attorney
Libby began her career as a probate litigator. She was so impacted by the sad stories she encountered that could have been avoided, she made a career shift. Today Libby Banks focuses exclusively on preventing the problems caused by an unplanned, or poorly planned, estate. Libby skillfully represents clients in the areas of Estate Planning, preparing Wills and Trusts, Asset Protection planning, and Probate and Trust Administration.
When you engage The Law Office of Libby Banks, you have the added assurance of knowing that your estate is being handled by a highly experienced, seasoned attorney.
- University of Kansas School of Law, Juris Doctor
- University of Kansas, Bachelor of Arts, Political Science and History
- Emory University, Atlanta, Georgia (Undergraduate studies)
- Libby Banks began her legal career in Oklahoma City with the Law Firm Linn, Helms, Kirk & Burkett
- Libby moved to Phoenix, Arizona in 2000
- Libby is licensed to practice law in Arizona, Oklahoma and Kansas
- State Bar of Arizona
- State Bar of Oklahoma
- State Bar of Kansas
- Supreme Court of the United States
Caleb S. Lihn
J.D., LL.M, Phoenix Lawyer
Caleb Lihn is a respected Arizona attorney with an emphasis in estate planning and elder law.
Caleb’s practice includes Medicaid (ALTCS) planning, special needs planning / trusts, estate planning, probate, and guardianships / conservatorships. Caleb’s emphasis in special needs planning began when his youngest daughter was diagnosed, in utero, with a rare and serious heart defect, necessitating three open heart surgeries within her first three years of life. On the other end of the spectrum, Caleb had a close family member diagnosed with an illness requiring long-term care planning, thus triggering an interest and passion in elder law. While navigating his own family through the complex and stressful worlds of special needs planning and elder law, a passion to assist other individuals and families was born.
Caleb is a member of Elder Counsel and the National Academy of Elder Law Attorneys as a member of the Guardianship and Special Needs Law Steering committees. He was recently included in the 2015 list of Super Lawyers® Rising Stars℠. Caleb was nominated by his peers to be a sustaining member of Arizona’s Finest Lawyers. He is also a Judge Pro Tem for Maricopa County Superior Court and has earned an AV Preeminent® Rating by Martindale Hubbell® for excellence in legal ability and ethics.
Professional Community Memberships
- State Bar of Arizona
- Maricopa County Bar Association
- National Association of Elder Law Attorneys, Member
- Special Needs Law Steering Committee, Member
- Guardianship / Conservatorship Steering Committee, Member
- Elder Counsel, Member
- Wealth Counsel, Member
- Embrace Palliative Care, Board Member
- Devereux, Arizona, Advisory Board Member, 2007-2012
- Chair, Executive Council, Elder Law, Mental Health, and Special Needs Section, State Bar of Arizona
- Liaison for the Executive Council of the Elder Law, Mental Health, and Special Needs Section, State Bar of Arizona, to the Executive Council of the Probate and Trust Section, State Bar of Arizona
- LL.M., Estate Planning & Elder Law, Western New England University, College of Law, 2013
- J.D., University of the Pacific, McGeorge School of Law, 2002
- Writer & Comment Editor, The Transnational Lawyer
- B.A., Psychology, Arizona State University, 1999
- Arizona Courts
- U.S. District Court, District of Arizona
- U.S. Supreme Court
The Financial Planning Association® Code of Ethics
As members of the Financial Planning Association®, we work to maintain a fiduciary standard and to adhere to the Code of Ethics set forth by the Financial Planning Association®
An FPA member shall offer and provide professional services with integrity.
FPA members may be placed by clients in positions of trust and confidence. The ultimate source of such public trust is the FPA member’s personal integrity. In deciding what is right and just, an FPA member should rely on his or her integrity as the appropriate touchstone.
Integrity demands honesty and candor, which must not be subordinated to personal gain and advantage. Within the characteristic of integrity, allowance can be made for innocent error and legitimate difference of opinion; but integrity cannot co-exist with deceit or subordination of one’s principles.
Integrity requires an FPA member to observe not only the letter but also the spirit of this Code.
An FPA member shall provide services to clients competently and maintain the necessary knowledge and skill to continue to do so in those areas in which the designee is engaged.
One is competent only when he or she has attained and maintained an adequate level of knowledge and skill, and applies that knowledge effectively in providing services to clients. Competence also includes the wisdom to recognize the limitations of that knowledge and when consultation or client referral is appropriate.
In addition to assimilating the common body of knowledge required and acquiring the necessary experience, an FPA member shall make a continuing commitment to learning and professional improvement.
An FPA member shall not disclose any confidential client information without the specific consent of the client unless in response to proper legal process, to defend against charges of wrongdoing by the FPA member or in connection with a civil dispute between the FPA member and client.
A client, by seeking the services of an FPA member, may be interested in creating a relationship of personal trust and confidence with the FPA member. This type of relationship can only be built upon the understanding that information supplied to the FPA member or other information will be confidential.
In order to provide the contemplated services effectively and to protect the client’s privacy, the FPA member shall safeguard the confidentiality of such information.
An FPA member shall be objective in providing professional services to clients.
Objectivity requires intellectual honesty and impartiality. It is an essential quality for any professional. Regardless of the particular service rendered or the capacity in which an FPA member functions, an FPA member should protect the integrity of his or her work, maintain objectivity, and avoid subordination of his or her judgment that would be in violation of this Code.
An FPA member shall perform professional services in a manner that is fair and reasonable to clients, principals, partners, and employers and shall disclose conflict(s) of interest(s) in providing such services.
Fairness requires impartiality, intellectual honesty, and disclosure of conflict(s) of interest(s). It involves a subordination of one’s own feelings, prejudices, and desires so as to achieve a proper balance of conflicting interests. Fairness is treating others in the same fashion that you would want to be treated and is an essential trait of any professional.
An FPA member’s conduct in all matters shall reflect credit upon the profession.
Because of the importance of the professional services rendered by FPA members, there are attendant responsibilities to behave with dignity and courtesy to all those who use those services, fellow professionals, and those in related professions.
An FPA member also has an obligation to cooperate with fellow FPA members to enhance and maintain the profession’s public image and to work jointly with other FPA members to improve the quality of services. It is only through the combined efforts of all FPA members in cooperation with other professionals, that this vision can be realized.
An FPA member shall act diligently in providing professional services.
Diligence is the provision of services in a reasonably prompt and thorough manner. Diligence also includes proper planning for and supervision of the rendering of professional services.
Copyright © FPA All rights reserved
While our firm, advisors and strategic partners may be members of organizations or may appear on a media outlet periodically, no endorsement is accepted or implied. We encourage and require that clients and prospective clients make financial decisions based on the merits of the offering, not on other factors. Listening to radio shows or reading articles does not begin a relationship with us. Only upon a personal and in-depth review can we discover what recommendations are suitable for you.
Plan Your Retirement Like You Mean It™
Done Your Way
You are not cookie dough, so therefore you don't need a cookie-cutter plan. Your life is unique. Your experiences and hard work have earned you the right to retire on your terms. Your plan will be designed with your desired lifestyle in mind.
As you approach retirement your focus shifts more toward preservation. Your investments should provide prudent growth and return from companies that have a proven track record. Our managed investment portfolios do exactly that.
Each day you should wake up and not have to think about money. Lifetime retirement income is a crucial part of any plan. There are some options that are better than others. Together we'll take a close look and find the right options.
You won't get passed off to a less experienced advisor. Your retirement plan matters to us. With over 20 years of experience and a singular focus on retirement, our clients get to work with a leading advisor that puts them first.
Annuity guarantees rely on the financial strength of the issuing insurer. Annuities are long term income and preservation vehicles which may carry early surrender charges for a period of time, after which there are no surrender charges. Please see your annuity agreement for details and get a clear understanding before moving forward. A free second opinion service is available.
All written content on this site is for information purposes only. Opinions expressed herein are solely those of IQ Wealth Management and our editorial staff. 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. Fee based financial planning and investment advisory services are offered by IQ Wealth Management, a Registered Investment Advisor in the State of Arizona. Insurance products and services are offered through IQ Retirement Planning, Inc. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Arizona or where otherwise legally permitted. All references to locations outside of Arizona relate to our insurance services division only. Steve Jurich is a licensed life and annuity agent authorized in multiple states including California. (License 0b85609). Because our portfolios often allocate a combination of securities and insurance based products, we believe it is important for the consumer to understand the difference. Securities can and do lose money. Fixed index annuities should be viewed as long term income vehicles. Guaranteed Withdrawal Benefits are optional rider benefits for premium avaialble on some annuities, not available in all states. All guarantees are contractual guarantees provided by the claims paying ability of the insurer. Early surrenders beyond penalty free withdrawal privileges may incure surrender charges. Withdrawals prior to age 59 1/2 may incur tax penalties. Income rider values are are designed to generate contractually guaranteed income streams based on pooled reserves, and are separate from accumulated values. No specific investment, tax, or legal advice is being given and no offer is made to sell or buy any security, nor any specific insurance product. Always consult your tax preparer for tax advice. Past performance of all financial vehicles and indexes should not be relied upon to predict future results.Income and withdrawal guarantees on fixed index annuities refer to income values, not interest rates on accumulation values. Income withdrawal benefits are drawn from accumulation values. When withdrawal rates exceed interest rates on accumulation values, accumulation values are in position to fall. When withdrawal rates are less than interest rates on accumulation values, accumulation values are in position to rise. See your annuity documents for details.
This site is not a part of the Facebook website or Facebook Inc. Additionally, this site is NOT endorsed by Facebook in any way. FACEBOOK is a trademark of FACEBOOK, Inc.