Steve W Hose, CFP®, ChFC®
Steve W Hose, CFP®, ChFC®
319 Panorama Drive
Martinsburg, WV 25403
Phone (301) 992-1870
Fax (304) 274-9038
Steve.hose@lpl.com
Steve W Hose, CFP®, ChFC® is the President of Hose Group, Inc., a licensee of Sterling Financial Management, Inc. Steve is a CERTIFIED FINANCIAL PLANNERTM professional as well as a Charter Financial Consultant serving businesses and individuals in the tri-state area. His areas of expertise are comprehensive financial planning, investment management, tax planning, retirement planning, protection planning, education planning, and estate planning.
As an independent fee based financial planner and investment advisor representative with LPL Financial, Steve’s objective is to become his clients’ trusted family advisor by providing unbiased objective advice and exemplary service. He starts by gathering information from his clients about their current financial situation, their goals and objectives, family dynamics, their risk tolerance, and previous investment experience. Next, he will thoroughly analyze and evaluate his client’s financial situation and develop unbiased recommendations that are unique for each client’s situation. Steve then works with his clients and their other advisers to implement the recommendations and monitor the progress over time, making adjustments as necessary. As part of the monitoring process, Steve provides his clients access to WealthVision which provides his clients with a consolidated view of their entire financial picture that is updated each day, a combined performance report, storage space for their important financial documents, and access to their financial plans.
The consultants of Sterling Financial Management offer their clients access to a full range of financial products– including FDIC Insured CD’s, institutional investment managers, stocks, bonds, mutual funds, fixed and variable annuities, life, health, disability, and long term care insurance. They create strategies that match each client’s unique financial goals, time horizon, and risk tolerance with the appropriate products and services. Clients entrust their wealth planning and investment management to Sterling Financial Management, Inc., because Sterling Financial Management has the essential experience, knowledge, research, and training to help meet their clients’ financial goals.
Sterling Financial Management understands that the financial goals of their clients will continually change and those clients will require a dynamic selection of products and services to keep pace with our ever changing world. The consultants of Sterling Financial Management have partnered with LPL Financial, one of the largest organizations of independent financial representatives in the country*. Clients have $268.9 billion in brokerage and advisory assets with LPL Financial as of 9/30/09. They offer their independent advisors access to unbiased research on stocks, bonds, mutual funds, annuities, and asset managers across every asset class. With no proprietary products, LPL Financial is able to offer truly unbiased independent advice. These services greatly enable Steve to effectively help his clients by offering impartial solutions to the challenges of wealth accumulation, protection, and management.
Steve has over 19 years of experience in the financial services industry and has worked for two other firms as a financial consultant. He earned a Bachelor of Science in Finance from Shippensburg University and his CFP® and ChFC® from American College. He resides in Martinsburg with his wife Shannon and their children, Lakyn and Taylor. Steve is active in his community and local church.
* As reported by Financial Planning magazine, June 1996-2010, based on total revenue.
Securities, financial planning, and other advisory services offered through LPL Financial a Registered Investment Advisor, Member FINRA/SIPC
