For the last 25 years, Steve has helped clients address their financial concerns and develop sound strategies for their future by focusing on each individual’s specific needs. Since he began his financial career with Morgan Stanley in 1997, Steve has taken a comprehensive approach to financial and investment advice and helps clients work toward their life goals with personalized wealth planning strategies. The customized investment plan he develops for each client may include investments, retirement planning, estate and legacy issues, lending and insurance strategies, and any other elements that are integral to their financial lives.  Steve enjoys working with successful people who lead busy lives and do not have the time, energy or resources to manage their financial lives effectively, so they are looking for a personal “CFO” they can trust. 

Analytical by nature, Steve feels that financial advice always starts with an in-depth analysis of a client’s needs and personal goals.  Investments are a means to an end, so his approach includes both strategic and tactical allocations to help manage risk efficiently.  He believes investing success is a “science and not an art” and focuses his analytical strengths into the PIM portfolio models he designs and maintains to help clients build their wealth.


A native Northern Californian, Steve and his wife, Stacee, have lived in the Sacramento foothill region for over 40 years with their 3 daughters. When away from the office, Steve enjoys fly fishing, golf, and playing soccer while maintaining a high interest in physical fitness and nutrition.  He graduated from California State University, Sacramento in 1993.

CA Insurance License Number: 0C25799. Resident State CA.

Walter serves a select group of individuals planning for or already enjoying retirement by providing comprehensive investment and retirement income plans. Having been an investment professional for over two decades, he brings a passion for planning and portfolio management as well as a seasoned perspective that helps enable clients to achieve their financial goals. Walter’s analytical background allows him to thoroughly assess clients’ concerns and objectives by developing a sound retirement income strategy to help get clients to and through their retirement years. Before joining Wells Fargo Advisors, Walter was a financial advisor at Morgan Stanley. 

Walter is a specially qualified Private Investment Management (PIM) Portfolio Manager who can help clients pursue their financial goals. Whether your goal is portfolio income, growth or safety, he can design a portfolio to help meet your investment and income goals. Each strategy employs various risk management techniques and strictly adheres to each client’s unique defined and documented risk profile and retirement income plan.  With access to a broad array of company resources -- including research analysts and economic and market experts -- Walter can help you make informed investment decisions based on your specific needs.

Originally from Illinois, he attended Tulane University in New Orleans and graduated with a B.S. in Chemistry and an M.S. in Chemistry from Governor’s State University in Chicago. Walter currently lives in Lincoln, California.

CA Insurance License Number: 0C46296. Resident State CA.

With over 30 years of experience in the financial services sector, including 10 years with Wells Fargo Advisors, Heather is a seasoned client service professional. Her passion and talent is building rapport with the clients she services, and she uses her extensive background and expertise to ensure that her customers have a positive experience. After working for a number of different organizations providing financial services, she has come to believe that Wells Fargo Advisors and The Liaty-McCurdy Wealth Management Group of Wells Fargo Advisors are the best, and she is committed to continuing to serve their clients for the foreseeable future.

Being accessible to enthusiastically assist in any manner she can, as well as offering a seasoned and considerate attitude to each client's unique preferences and needs, are her key responsibilities on the team. Her strength is in embracing and educating customers about cutting-edge technology, and she is meticulous in her follow-through; she will not consider a case completed until the client is completely satisfied with the resolution.  Her good-natured patience, care, and compassion for people in all stages of life, including their golden years, make her a true asset to the firm.

She completed her BA in Sociology at Sacramento State University. After living in Texas for a while, she returned to El Dorado County and now lives in a multi-generational home with her husband, two teenage kids, and mother in her own granny flat. In her off hours you can find her in the kitchen, gardening, hiking by a lake, or bustling around town with family, collecting vintage and antique goods and ephemera, feeding her interest in American and local history.