Steve Heinemann, CFP®, CPA
Founder & Financial Planner
Why I Founded Recalibrating Wealth
As a husband and father of two, I understand firsthand the challenge of trying to balance careers, kids, and financial priorities that never seem to wait their turn. That's exactly who I built Recalibrating Wealth for: busy, mid-career families trying to get ahead financially without losing themselves in the process.
My mission is simple. Help mid-career families live more, worry less, and plan for the future with confidence.
Your life is bigger than your money, and your money is bigger than your investments.
That's the lens I bring to every client relationship. Before we talk about your portfolio, I want to understand your values, your goals, and what's actually driving the choices you're making with your money, along with the complete picture of where you stand financially. That's what lets me give guidance that's truly yours. Advice built around your version of a rich life, one we recalibrate together as life and priorities shift.
Recalibrating Wealth is a fee-only firm. That means the advice I give is never shaped by product pitches, commission incentives, or sales pressure from somewhere else. I'm proud to work as a fiduciary and to give advice that puts you first.
Professional Background
Began career as a CPA specializing in tax preparation and planning for high-net-worth individuals and closely held businesses
Spent nearly 13 years at Capital Group, one of the world’s largest investment managers, most recently providing strategic analysis for the firm’s wealth management business and leading new investment product development efforts
Founded Recalibrating Wealth in 2025, an independent fee-only advisory firm dedicated to client-focused financial planning
CERTIFIED FINANCIAL PLANNER® professional and Certified Public Accountant
Steve, Off the Clock:
Husband and dad of two
Born and raised in Southern California, now living in Orange County
Enjoy being active and being outside: working out, hiking, and playing beach volleyball most weeks
A few other favorites, in no particular order:
Fish tacos, live music, exploring new breweries, reading, traveling, watching Survivor with my wife, and building LEGOs with my kids
My Approach & Planning Philosophy
My financial planning process starts with you: your goals, your values, and the life you want to build, both the one you're excited to live today and the one you're working toward.
My role is to guide that process. I help create the vision, build in accountability, and align the technical side of your money to it. That means staying curious, asking good questions, and listening closely to the answers.
I see financial advice as a way to open doors. The reward isn't in the numbers or the spreadsheets, it's watching clients gain confidence and build the life they want.
I'm here to help you discover your options, own your financial future, and pursue what's important to you, now and for years to come.
A few of the core beliefs that guide my planning philosophy:
Simplicity over complexity
Progress over perfection
Focus on what you can control
Automate wherever possible
Define what “enough” looks like for you
Get the right things right, then go live your life!
Your best life deserves a plan. Get started today.
1) Talk with us
Let’s get to know each other. We’ll connect for a simple, free, no-commitment conversation to see what your pain points are and if we’re a good fit to work together.
2) Start planning
We’ll collaborate to create a complete picture of your finances and to clarify your personal goals, values, and vision of a rich life. Then together we’ll build a plan that gets you excited!
3) Live your best life!
Next comes implementation. We’ll partner with you each step of the way, recalibrating as life happens, giving you the confidence to live life fully and on your terms.