Newton Office - Coming from a farm background Steven learned early that hard work yielded results. This has been proven by leading Citizens Financial Services to be recognized as a "Top Financial Institution" by its broker dealer in 2016. In 1981 he earned a Bachelor of Science degree in Business Administration and Economics from Bethel College. Being involved in banking and investments has spanned his entire work career. Beginning with an Investment Banking firm in Texas and later serving as a Senior Lending officer for two other larger Kansas banks. Becoming Series 7 registered in 1998 and later on as an Investment Advisor allows him to help clients protect assets, generate growth, and purusue consistent returns. With twenty years of insights and knowledge gained from successfully managing client portfolios in constantly changing markets has equipped him well for the current investment climate. He is also able to help families manage risk and help prepare the next generation for the legacy they will receive. Steven's approach is to think carefully, plan thoughtfully, and act deliberately with the money entrusted to him. Balanced diversification along with smart strategies for a new reality allow him to invest with cautious optimism. Understanding that credible strategies for today's challenges can't be based on old information or future predictions, guides him to be grounded in a long term fundamentals with adjustments for today's market.