Five Star award winner Stephen R. Todd, CFBS, LACP

Where Will Life's Journey Take You?

Preparing for your financial success does not need to be complicated. Our team of professionals will approach your unique financial needs with expertise and an array of options to help fit your specific situation. Our team is here to help you navigate through the details and chart the right course.

The Todd Group uses an objective approach to problem solving. We listen, and we ask the right questions. To you, we pledge our knowledge, expertise, resources and dedication to integrity.

We pride ourselves on offering transparent information sharing and intellectual honesty. Whether you are looking for retirement planning, multi-generational family wealth management services or focused financial strategies, our team thrives on clarifying your goals and then crafting a customized strategy tailored to your unique situation. We stay with you and your family during the journey ahead – monitoring and adjusting your strategy, answering questions, having conversations, and building a lifelong relationship.

We place our clients’ needs above all others and insist upon uncompromising integrity in every aspect of our relationship with our clients. As part of this commitment, our clients enjoy personalized concierge service. The Todd Group's business is about working with you throughout your life’s journey.

Life-cycle of a Financial Strategy

1. Analyze

Before we recommend any product or service, we ask questions and get a clear understanding of your circumstances and financial objectives.

We then analyze your existing strategies to see if they will meet your current and future needs.

2. Design

We then present our suggestions to fill in the gaps or to help you reach your objectives more efficiently.

3. Implement

If our recommendations make sense to you, we will work with you to implement our recommendations by coordinating with your team to secure the required products and services.

4. Review

Because your financial situation is bound to charge, we will work with you over time through annual reviews to monitor the performance of your program and the program’s ability to continue to meet your goals.

We Will Help You Develop a Comprehensive Strategy for

Your Financial Goals,

Your Dreams,

and Your Life’s Journey.

Retirement Planning

Your life’s journey should include a comfortable retirement. We will help you select and capitalize on the right tax-favored retirement program and other strategies to help you achieve your dreams for retirement.

Roth, Traditional, SEP and SIMPLE IRAs
Profit Sharing and 401(k) plans
Supplemental Executive Retirement Plans
Retirement Plan Protection

Investment Strategies

We can help you determine an appropriate asset allocation strategy and recommend products based on an understanding of your objectives, priorities and risk tolerance.

Wealth Accumulation and Transfer Consulting
Asset Allocation and Investment Planning
Retirement and Elder Care Needs
Mutual Funds
College Funding 529 Plans

Business Planning

All businesses go through a life cycle, from the first year of operation to the time you sell or transfer your interest. We will provide professional assistance to help you manage your business strategies to meet your goals.

Succession Planning/Exit Strategies
Key Employee Retention
Buy/Sell Agreement Funding
Group Life, Health and Disability income Insurance and other employee benefits

Estate Planning

When planning your estate, it is important to address the accumulation, use and preservation of assets, as well as tax, legal and financial concerns. Sound planning will help to ensure that the maximum amount of your estate will be passed on to your heirs.

Access to comprehensive Trust Services
Estate Tax Reduction Strategies
Liquidity Strategies Pay Estate Taxes
Family Income and Asset Strategies

Insurance Strategies

Everyone needs a strategy to help protect against the adverse financial consequences of one or more of the basic human risks – outliving one’s financial resources, disability, or premature death.

Term, Whole Life, Universal Life, and Variable Life Insurance
Survivorship Whole Life and Universal Life Insurance
Disability Income Insurance
Long Term Care Insurance

Where Will Life’s Journey Take You?

Start preparing Now.

The Todd Group will WORK with you throughout your life’s journey.

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This award was issued on 10/1/24 by Five Star Professional (FSP) for the time period 1/9/24 through 8/9/24. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 6273 Chicago-area wealth managers were considered for the award; 400 (6% of candidates) were named 2024 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2023: 5,549, 405, 7%, 10/1/23, 1/9/23 - 7/31/23; 2022: 4912, 384, 8%, 10/1/22, 1/24/22 - 7/29/22; 2021: 5635, 386, 7%, 10/1/21, 12/28/20 - 8/6/21; 2020: 4636, 356, 8%, 10/1/20, 1/6/20 - 8/7/20; 2019: 5430, 429, 8%, 10/1/19, 1/7/19 - 8/9/19; 2018: 5449, 435, 8%, 10/1/18, 1/12/18 - 8/17/18; 2017: 3781, 438, 12%, 10/1/17, 12/16/16 - 8/3/17; 2016: 3411, 726, 22%, 9/1/16, 2/26/16 - 8/19/16; 2015: 5833, 716, 12%, 10/1/15, 2/4/15 - 8/3/15; 2014: 8161, 744, 9%, 10/1/14, 2/4/13 - 8/3/13; 2013: 3998, 772, 19%, 10/1/13, 2/4/12 - 8/3/12; 2012: 2970, 780, 26%, 10/1/12, 2/4/11 - 8/3/11.

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Securities and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC, member SIPC (www.sipc.org). Supervisory Office: 300 S Wacker Drive, Suite 800, Chicago, IL 60606. 312-347-1660. The Todd Group is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies. CRN202407-2824257

Stephen Todd: CA Insurance License #0D36195; domiciled in IL

Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria - required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria - considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.