Steve Heinemann, CFP®

Founder & Financial Planner

Why I Founded Recalibrating Wealth

I launched Recalibrating Wealth in 2025 with a clear mission: to empower busy professionals and families to live more fully, worry less, and confidently plan their financial futures.

As a husband and father of two, I understand firsthand the challenges faced by modern dual-income families trying to balance careers, family, and financial priorities, all without losing themselves in the process.

My goal is to build an advisory firm that does more than just manage investments, our financial lives are bigger than that. Rather, my focus is on truly understanding each client’s values, goals, and motivations, along with their complete financial picture. This way, I can provide the type of personalized financial guidance that empowers my clients to “recalibrate” and align their money with their own vision for a rich life.

Recalibrating Wealth is a fee-only firm, which means the advice we give will NEVER be driven by product pitches, commission incentives, or internal sales pressure. We are proud to act as fiduciaries and to offer financial advice that truly puts our clients 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 (Inactive)

XYPN Certified Financial Planner
Financial Planning Association
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Steve Outside of Work

  • Husband to a wonderful wife and proud dad of two amazing kids

  • Born and raised in Southern California and currently living in Orange County, CA

  • Staying active is a priority for me, and I regularly make time for working out, hiking, and playing beach volleyball

  • A few of my favorite things (in no particular order):

    • Fish tacos, live music, trying new breweries, reading, traveling, watching Survivor with my wife, and building LEGOs with my kids

A smiling couple standing outdoors in front of a vineyard with mountains in the background, wearing sunglasses and casual summer clothes.
A man hiking on rocky terrain with a backpack, sunglasses, and outdoor clothing, with a mountain landscape and a lake in the background.

My Approach & Planning Philosophy

Desk with a laptop, a smartphone, a planner with handwritten notes, and a pen on a wooden surface.

My financial planning process starts with you. Your goals, your values, your vision for a life that you are excited to live today and a future you want to build toward for tomorrow.

My role is to partner with you as a guide in crafting this vision, creating accountability, and aligning the more technical aspects of your money to it. By staying curious, asking good questions, and importantly, truly listening to your answers, I strive to provide my clients with the personalized guidance they need to make well-informed financial decisions.

I see financial advice as a way to remove barriers and open doors, and I’m honored by the opportunity to serve my clients and their families. The real reward is not just in numbers or spreadsheets, but in seeing my clients gain confidence, achieve their goals, and build the life they truly want.

I’m here to help you discover your options, own your financial future, and pursue what matters most, 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.

Schedule a Call