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Steve Casull

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Casull Financial Advisory, LLC

South Jordan


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Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Other Financial Planning
    • -Tax Planning
  • Insurance
    • -Life Insurance
    • -Health Insurance
    • -Long-Term Care Insurance
    • -Annuities
    • -Property & Casualty Insurance
    • -Business Insurance
    • -Other Insurance
  • Pension Consulting
    • -401k
    • -403b
    • -457
    • -Defined Benefit
    • -Other Pension Consulting
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Investment Companies
    • -Businesses or Institutional Clients
    • -Other Portfolio Management


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types



No timeline events available.
Employer Years Dates
Private Client Services LLC 4 years, 6 months Oct 2015 - Present
Casull Financial Advisory, LLC 6 years, 3 months Dec 2013 - Present
Casull Financial Advisory, LLC 6 years, 4 months Nov 2013 - Present
Nationwide Securities, LLC 4 months Jul 2013 - Nov 2013
Nationwide Financial 4 months Jul 2013 - Nov 2013
Nationwide Financial Services 7 months Apr 2013 - Nov 2013
Allstate Financial Services LLC 7 months Oct 2012 - May 2013
Allstate Insurance Company 7 months Oct 2012 - May 2013
Wells Fargo Advisors LLC 1 year, 8 months Jan 2011 - Sep 2012
Wells Fargo Investments, LLC 2 months Nov 2010 - Jan 2011
Wells Fargo Advisors 1 year, 10 months Oct 2010 - Aug 2012
Self Employed 3 months Aug 2010 - Nov 2010
E Trade 1 month Jun 2010 - Jul 2010
E*Trade Securities LLC 2 months May 2010 - Jul 2010
Sentry Finance Affiliate 7 months Oct 2009 - May 2010
Wilson Davis Securities 1 year Apr 2009 - Apr 2010

Designations & Memberships

  • Alliance of Comprehensive Planners
    Alliance of Comprehensive Planners
    Alliance of Comprehensive Planners (formerly the Alliance of Cambridge Advisors) is a community of fee-only financial planners who believe clients are more than numbers. ACP members provide retainer-based services to manage clients’ whole financial picture, from estate planning to taxes. Our members pride themselves on being the best in the business and provide the highest quality service while also developing meaningful relationships with their clients. ACP provides the tools and training for a successful future as a financial planner. Our members provide the comprehensive plans for a successful financial future
  • National Association of Independent Retirement Plan Advisors
    National Association of Independent Retirement Plan Advisors
    The National Association of Independent Retirement Plan Advisors (NAIRPA) is a leader in the transformation of the national retirement system to improve transparency, effectiveness, and governance.

Articles and Answers


Ask a financial questionAsk a question
Is low inflation good for retirees?
As I read over these various questions, I see a common thread, that tempts me to answer in the same way to most of them. "It depends". And that answer doesn't help anyone. In terms of "Inflation being good for retirees". How is the health of those retirees? What are their TRUE lifestyles? I say "TRU...  (more)
Answered Feb 2015
How do I draw my money out?
Giving any answer to such a vague question could have severe consequences. There isn't enough space for the 'BOOK' I'd have to write to cover all the various aspects necessary. ...  (more)
Answered Jan 2015
How can i find out how much i can borrow from my 401k??
Phillip, I could ask pertinent questions like, "how old are you" and provide various scenarios here to answer your question, but that wouldn't be efficient. The quick response is, call your benefits officer at your employer, usually in the Human Resources department, and ask them. That advice, howev...  (more)
Answered Apr 2015
I worked for BFI/Waste Industries of Chesapeake, VA for 17 years. I had no accidents, no complaints from customers, coworkers, supervisors in all of these 17 years. I was fired because I had unexpected car trouble. I was working towards buyig a new vechicle. I lived about 30-40 miles from the jo
Thanks Kimberly...Herbert, because VA is a "Right to work state" you don't have a lot of legal weapons at your disposal, unless you want to file a sexual harassment suit. FIRST, it is good to get the toxicity out of how you were wronged. You've done that. Now lets show them what you and I can do. T...  (more)
Answered Feb 2015
My 401k does not match. The money market fund it offers charges me a hefty fee to park money in it and pays zero return (in these times of low interest). Can I stop contributing to the 401k and start putting that contribution into and IRA with a discount broker and maybe be able to invest in individ
Yes, stop contributing to the 401K and open an IRA. Open a ROTH if you are in the lower income level at present. And then call me with the phone number of the Benefits Officer or HR Director of your employer. You may get promoted by the President, because it seems they haven't noticed. The 401K YOU ...  (more)
Answered Feb 2015
Is low inflation good for retirees?
I'd like to change my answer from "It Depends", to, "Who cares?". Inflation, deflation, or smooth sailing, it's happening. It's not like we can change it. And it doesn't change what our goal should be, "to make as much money for our clients as risk consciously as possible". And frankly, these questi...  (more)
Answered Feb 2015
I worked at Batts Inc for 8yrs, was fully vested after 5yrs?
Julie, The first thing I would do is find an ULTRA LOW fee FInancial Advisor you can trust and roll that 401K over to your own IRA, NOT a ROTH IRA. I have questions to ask the Advisors you are interviewing on my website at IF you have realized most in...  (more)
Answered Mar 2015
Can a Mutual Fund withhold divindends (or portions of) that are earned by underlying investments?
Tim, No. The dividend stream will not be identical. Frankly, if two different mutual funds ever returned the same dividends it would be weird. Supernatural weird. It would require both managers of the two funds to have purchased exactly the same amount of each companies stock at the same time always...  (more)
Answered Feb 2015
Can my 16-year-old make a Roth IRA contribution?
Father of 16 year old. First of all, my industry tends to use jargon, when real speak is more efficient. Any earned income is any money your child earns. Even if YOU are their employer. You just have to make a record that said child made X$ for X service. Easy. And I respectfully disagree with the s...  (more)
Answered Feb 2015
Can I withdraw funds from an annuity before I am 59 1/2?
Aidan, I guess it is too late to advise you against an annuity. That answer may be salt in the wound for you, but it may help another reader. Most annuities allow for a 10% a year deduction free of any penalties or surrender charges. ...  (more)
Answered Feb 2015
Should I invest in gold?
To those that need to promote an allocation to gold, why? GOLD's value only "shines" during a downturn. Gold is too pricey for use in manufacturing. And the jewelery demand is still a nano-fraction of the price it's trading at now. It's like paying for Manhattan with shiny beads and colored cloth. ...  (more)
Answered Jan 2015
What percentage of my business revenue should I donate to charities?
First of all give what you want. You are the boss. There's a lot to be said for the great feeling of charity. But if you want the numerical advice, then I would donate enough until it isn't beneficial to do so...until next year. ...  (more)
Answered Mar 2015
I dont work no more can I cash in my 401k?
The short answer is YES. If you put money in, it is yours to take out at any time. And sure, there are many things you should consider before doing so. What taxes would be levied against you? What penalties, if any would you have to pay? Is the reason you need your money due to financial hardship? H...  (more)
Answered Mar 2015
I work for a company that repairs electronic devices. Some receive bonuses and others do not. Is this legal to do?
I usually dislike to "pass the buck", but in this case, to avoid your possibly being disciplined by giving incorrect information out from people NOT directly knowledgeable, I would pass those calls to HR. I wouldn't even call HR and get the answer to give out yourself. Just transfer the call. I woul...  (more)
Answered Feb 2015
I'm not longer working with the jeldwen company and I want to new how much money i have in my account?
The most efficient, and fastest way to get you the information you seek is to contact the Human Resources Department of Jeldwen 800.535.3936. Then depending on what plan you are a part of, they have three, if it is with Charles Schwab, they will transfer you. or indicate the proper number, be prepar...  (more)
Answered May 2015
At what age should my kids start building their credit?
John, WOW! I'm literally in a type of shock seeing that there wasn't ONE of my colleagues that asked why you were concerned about your child's credit score. How about this? I mean this with the utmost respect, if you teach your child to resist the temptation to ever take out credit, their credit sco...  (more)
Answered May 2015
I have an old CD with a bank that I forgot about and the bank is no longer in existence. How can I get my money?
Call your state offices and ask for the Division of Consumer affairs. This is where you will find the clerk that handles "ES-CHEATED PROPERTY". This is what your funds are now termed as. DOn't worry, this happens all the time, and is an example to have clients have adequate records of all assets. ...  (more)
Answered May 2015
I'm 74 years old...can I still convert a regular IRA to a Roth IRA?
William,Others have outlined the tax ramifications of conversion of IRA to Roth, but I'd like to know what compels the desire to convert. Is it the RMD's? The RMD's are the only small downside to the tax free contributions made into the account. If you were in a high tax bracket when making those c...  (more)
Answered Apr 2015
As a single mom, how can I budget smartly?
Sidney, when I lived in Newark, it seemed that everyone in a suit and tie was a Financial Advisor. Find one by interviewing a few. Do not pick the first without meeting with others. I know you are busy, but this is important. Find an advisor that will help you with what you TRULY need. I'm assuming ...  (more)
Answered May 2015
Should I get an EIN at the time I form my LLC?
It is best to get it as you are forming the LLC. My LLC articles actually now contain my EIN. ANd as James said, you will need it for a plethora of other things, like opening a bank account. You want to keep the "LIMITED LIABILITY" portion in tact by as little reference to your personal identifiers ...  (more)
Answered Feb 2015
I inherited a 401k, can I roll those funds into my IRA?
Violet, No Ma-am, you can't roll the inherited money into your retirement money or it would cause an IRS Penalty of over contribution. What is it about your IRA that prompted you to want to roll it there? I'm assuming that you rolled one of YOUR 401Ks into your IRA? It may sound a little confusing, ...  (more)
Answered May 2015
What's the best distribution between college savings and retirement savings?
Like the Flight Attendants say during the safety drill at the start of the flight, put the mask over your face first, and then the child. OK, That was a reach. I advise clients to max out their 401K and retirement choices first. And then focus on the kids. I've been doing this a long time, which mea...  (more)
Answered May 2015
What are the top 401K plans for small businesses with 10 employees or less?
The lower the cost the better. Depending on several elements, a defined comp plan is best for professional offices like Doctors and Attorneys where there is a wide income disparity. I could go on and on, but it would end up being just words until I knew the variables. I'd be happy to talk to you un...  (more)
Answered May 2015
I was suppose to receive a large amount of money from dads death when I turned 18 but i never receieved it ?
I don't want to blow your mind here, but your parents or guardian should've been given some sort of notice at your grandfather's passing as to your role in the dispersal of the estate. You are 9 years behind if there have been misdealing s. Find out who the executor of the estate is/was. This person...  (more)
Answered Feb 2015
401K plan fails ADP test, participant receives distribution?
Brian, if you instructed the payroll department to deposit the "max into your 401K" and the amount they deposited caused a penalty, I do not see how this is your mistake, and therefore shouldn't be paid by you. ...  (more)
Answered May 2015
How strict are the conditions of a trust fund?
I'm afraid that the child will have to abide by the rules stated in the conveyed wishes of the decedent, otherwise known as the Trust document. ...  (more)
Answered Feb 2015
I used to work for belton ind?
Rober, let me be the first one here in 3 years to congratulate you for adding your abilities in making Belton, Indiana such a great place to live, and a welcome part of our beloved America. Belton Indiana! We Love You! ...  (more)
Answered May 2015
How to collect beneficiary benifits?
Call plan, get direction....  (more)
Answered Feb 2015
I am to receive part of my ex husbands 401k?
Contact the plan administrator. You should have received a QDRO form right at the start, did you? ...  (more)
Answered Feb 2015
Im 25yrs old i had traditional 401K then switched to roth and now back to traditional. Investing 7%. Which is better?
It only matters what income tax bracket you're in now. Assuming it is low, contribute to the Roth. ANd if I may be so bold to say, cut off the 401K contributions to only the 4% that your employer matches. Put the remaining 3% into the ROTH. Now, I am assuming a lot in this. FOr all I know you just i...  (more)
Answered Feb 2015
Time to invest in the Euro?
Once upon a time there was this far off land called Russia. Does anyone remember Russia? Come on. Last year, almost to the day, Russia took control over Crimea. Six months before that it wasn't even on the radar of things that could happen. The Ukraine is in turbulence. Russia is losing BILLIONS wit...  (more)
Answered Feb 2015
How important is picking mutual funds with 4 or 5 stars from Morningstar versus funds with extremely low fees?
Read the small print at the bottom of every Mutual Fund advertisement, "Past performance is not indicative of future performance". Also, Is the fund being managed by the same manager that happened to garner the higher star tally? Rarely will you be able to pick the best performing fund. So don't pop...  (more)
Answered Mar 2015
Contact Information Change?
Desiree, I know nothing about you that a GOOD Financial Advisor should know to be a good source of advice. Especially in these times. This is the hard part of these questions and answers. I'm going to be respectful, yet BLUNT here. You need to find yourself a good Financial Advisor. Shop around. Don...  (more)
Answered Jun 2015
Are YieldCo's suitable for IRA accounts?
James, what have you noticed that has happened to IPOs recently? I've been doing this for a long time. Back in the day, IPOs were priced from a 'marketing standpoint". The underwriters were guaranteeing all the share to be bought, so they left some "meat on the bone" for the buyers of the IPO stock....  (more)
Answered Jun 2015
I would like to know if I can do a direct rollover for a company listed here on BrightScope.
Justin, In order to be fully vested you must be a veteran there at Utility. The short easy anser is yes, if your money is in the 401K employer plan, then once you leave, you can directly roll your money in the 401K to YOUR IRA, either ROTH IRA, or a Traditional IRA. No hype intended, but find yourse...  (more)
Answered Jun 2015
I no longer work for the company and have funds in account. How can I get access to the account to roll into an IRA?
Hello Anita,I tend to be a blunt person. "Blunt" doesn't mean rude, however. You are no longer employed by this company for whatever reason. In light of this I would never allow my hard earned money to remain with a previous employer. You would be surprised at how easy it is for accounts to get lo...  (more)
Answered May 2015
Can I get a loan or get a lump sum buy out on my monthly payments I receive now on my retirement.
Timothy,Call me an antagonist, but I can't believe not one of the previous comments asked, "What do you need the money so desperately for?". What kind of "retirement plan" is the money in currently? Do you own a home? Tim, before you take ANY advice, you need to find a Financial Advisor, NOT a sale...  (more)
Answered May 2015
Should I invest in the stock market or mutual funds?
Tina, these questions could lead to great harm if not answered properly. To answer them properly more information must be evaluated, information about the You mention debt, how much and what interest are you paying? Is it a psychological bummer to have this debt? For example, it could...  (more)
Answered May 2015
Should I leave my money in a SARSEP or roll it over into my new company's 401k?
Roll the SARSEP to your own IRA (Individual Retirement Account). The biggest reason NOT to roll it to your new employers plan is you will be limited as to the investment choices offered. There may also be restrictions on withdrawals in the employer plan in case of an emergency.Some new employees ma...  (more)
Answered Jul 2015
I sold stocks this year, what will that do to my tax-burden?
One thing to consider is that the markets were slammed in 2008, and didn't start to rebound right away. You may not have to pay as much taxes as you think. Also, how will the IRS find the cost basis? ...  (more)
Answered Feb 2015
How can i log in to see my 401k with rite aid?
TRowe Price handles the Rite Aid plan as I recall. Call the TRowe Price "Work Place Plan Hotline"1-800-922-9945, you will need your social security number to obtain a PIN number. Once you have the PIN you can access the plan website. ...  (more)
Answered Mar 2015
I no longer work for lowes. How do I withdraw my 401k?
Mindy, just in case you do not need the money to survive until you get another job, you should roll YOUR money into YOUR OWN IRA, and NOT leave it in the Lowes 401K plan.Wells Fargo Advisors, 401K div. call this number1-336-658-3535. The process is to call the custodian, ask for a Direct Rollover Au...  (more)
Answered Feb 2015
We owe over $10,000 on our taxes?
If this was a 'first time home buy' or it has been over 5 years since your last home purchase, the 401K articles could allow for the waiver of penalties. The hard part in answering these questions is EVERYONE's situation is different. Did you get a GREAT deal on the home? Not just an alleged good de...  (more)
Answered Feb 2015
As a young professional starting a new career, what would you recommend a Roth IRA or IRA?
If you are at a low income, then a ROTH. Are you planning on buying a home soon? You can take up to $10K for first time home buy. Do you see all the possible things you can take advantage of? I would need more information about YOU in order to give you good CLEAR information. ...  (more)
Answered Feb 2015
Short and long term investing?
Catherine, For the love of all that is Holy do not put any money into an annuity until you call me. I know that sounds 'SHARKISH', but I mean only to give you good information, NOT to get your account. . OH! You will be told by 95% of the so called salespeople posing as FInancial Advisors out there ...  (more)
Answered Mar 2015
I am retiring soon and I am nervous about having a lot of my retirement dollars in the stock market. What are the annuity products I have been reading about that guarantee retirement income for me?
Annuities are not guaranteed by the federal government. And they claim to be collateralize d with bonds, but what if the bond market takes a dive and the insurance company that is guaranteeing the annuity goes bankrupt? AIG had to be bailed out in 2008. Let's get real. You don't withdraw all of you...  (more)
Answered Feb 2015
    *Answers are submitted by advisors without compensation.

    Licenses & Conducts

    U.S. Securities and Exchange Commission
    • license status
    • disclosures
    • as of date
      Oct 2, 2019
    • license status
      Not registered
    • disclosures
    • as of date
      Oct 2, 2019
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



    Last updated on March 26, 2020
      • $18.0M
        Total Assets Under Management
      • $0
        Total Assets Under Advisement
      • 26
        number of clients
      • $692.3K
        Estimated Average Account Balance Per Client

    Casull Financial Advisory, LLC

    Last updated on March 10, 2020
      • $4.1M
        Total Assets Under Management
      • N/A
        Total Assets Under Advisement
      • 43
      • $95.3K
        Estimated Average Account Balance


    Fee Only Advisor
    This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.

    Types of Compensation Arrangements