Steven Phillip Dziobak

The Foundation of Three Worlds

• I was raised at the intersection of three very different worlds, each of which shaped the advisor I am today. From my mother's career in Harris County Law Enforcement, I learned the weight of service and the vital need for a "silent strength" to protect those on the front lines. From my father's journey through Corporate America, I gained an early appreciation for the discipline, high-stakes complexity, and the tireless work ethic required to build a legacy from the ground up. And through my brother's transition from D1 to the NFL, I saw the human side of sudden success and the necessity of a steady hand when the spotlight is brightest.

Solving the Financial Puzzle

• For me, the stock market has never been just about numbers; it's a puzzle I've been driven to solve since middle school. What began as a childhood curiosity evolved into a 13-year career navigating high-stakes transitions—including the historic E*TRADE acquisition by Morgan Stanley.

Beyond the Numbers

• I've seen firsthand how overwhelming complexity can be. My role is to take those disparate pieces—market volatility, tax-efficiency, and your most ambitious legacy goals—and fit them into a winning strategy.

A Life of Discipline & Mentorship

• My approach is fueled by the same competitive drive and discipline I found on the hockey rink. Today, I bring that focus to the next generation, spending my weekends coaching youth hockey. I believe the character, teamwork, and resilience built on the ice are the same values needed to manage a family's future.

Grounded in Faith

• When I'm not at my desk, I'm likely tending to my reef tank—a living classroom where I teach my daughters the intricacies of biology and chemistry with the rewards of patience and consistency. As active members of Lakepointe Church in Rockwall, my family and I live by the Word, and those values of integrity and discipline guide every recommendation I make.

Quiet Stewardship. Steady Principle. Private by Choice.

Whether you are navigating a complex family legacy, a career in public service, or the transition from professional sports, we provide the silent strength behind the complex.

Bespoke Legacy & Estate Architecture

We utilize Morgan Stanley's Family Office Resources to go beyond simple wills, designing multigenerational frameworks that preserve both capital and convictions.

• Family Governance: Transferring shared values to create an enduring legacy.
• Advanced Trust Strategies: Implementing sophisticated tax and estate strategies in concert with your legal advisors.

Strategic Tax-Efficiency

We employ Total Tax 365, an active, year-round approach to help you keep more of what you earn.

• Tax-Loss Harvesting: Offsetting capital gains with losses incurred during the tax year.
• Roth Conversions: Executing strategic conversions to potentially provide tax-free growth for future generations.

Principled Portfolio Ecosystems

Using the Investing With Impact Platform for Clients | Morgan Stanley, we can align your portfolio with more than 100 impact preferences, including specific Christian values.

• Restriction Screening: Actively screening out industries that conflict with your faith.
• Faith-Based Integration: Proactively choosing investments that support your mission as a steward.

Community Stewardship

We are proud to give back by serving those who serve our community. We understand the specific complexities of government benefits and retirement systems.

• Public Pension Optimization: Navigating the unique rules of state and local government retirement plans.
• Deferred Compensation Planning: Helping educators, first responders, and municipal leaders maximize their supplemental retirement options.
• Social Security Integration: Ensuring your public service benefits are harmonized with your broader financial ecosystem.

Quiet Stewardship. Steady Principle. Private by Choice.

Whether you are navigating a complex family legacy, a career in public service, or the transition from professional sports, we provide the silent strength behind the complex.

The Mission: Dignity for Every Legacy

• At our firm, we believe that stewardship is not reserved for a select few—it is a principle that should be applied to anyone who has worked with discipline to build a future. While much of our work involves the "silent strength" behind complex family estates, we feel a deep responsibility to bring that same level of strategic precision to the men and women who serve our communities.

A Personal Perspective

• This commitment is rooted in my own family. My mother is retired Law Enforcement from Harris County. Her career taught me that those who put their lives on the line for our safety are often provided the least clarity regarding the "fruits of their efforts."
  I saw firsthand that civil servants—first responders, educators, and municipal leaders—frequently lack access to the sophisticated, non-cookie-cutter planning that their sacrifice deserves. I've made it a personal mission to ensure these individuals don't reach retirement with the same unanswered questions I've seen others face.

The Same Standard of Excellence

We do not offer a "simplified" version of our services for those in public service. We provide the same Quiet Stewardship and Uncommon Strategy we give to every family we serve:

• Pension & Benefit Integration: Harmonizing complex systems like TMRS plans with your broader family goals.
• Strategic Optimization: Applying the same tax-efficient and legacy-building tools used by high-net-worth families to the unique structures of government benefits.
• A Resource for the Front Lines: Acting as a steady hand for those who have spent their careers being the steady hand for everyone else.

Principled Advice for All Who Serve

• Whether you are navigating a complex business transition or the nuances of a public pension, our goal remains the same: providing the peace of mind that comes from a plan built on integrity, discipline, and respect.

Quiet Stewardship. Steady Principle. Private by Choice.

Whether you are navigating a complex family legacy, a career in public service, or the transition from professional sports, we provide the silent strength behind the complex.

A Stewardship Built at Home

My journey into high-stakes wealth management didn't start in a boardroom; it started at home. My first client was my brother. Walking beside him from NCAA D1 to the NFL gave me an unfiltered view of a world most only see from the stands. I saw the luxuries, but I also saw the quiet reality of the locker room through his teammates.

I watched three distinct paths:

• The Success: The veteran navigating a long career who now must fund a 50-year retirement.
• The Injury: The star whose trajectory changed in a single play.
• The Cut: The athlete whose "Plan A" ended abruptly.

Different highlights, but the same final whistle for NFL, NBA, NFL or any other sport. Whether the transition comes by choice or by circumstance, the need for a steady hand is universal. I've made it my mission to ensure your next chapter is defined by your vision, not your last stat line.

Uncommon Strategies for the High-Stakes Athlete

A professional career is a sprint that must fund a marathon. We provide the bespoke architecture required for a lifecycle that doesn't fit a standard mold. Leveraging Morgan Stanley's Global Sports & Entertainment resources, we focus on the quiet details that protect a legacy:

• Tax & Jurisdiction Precision: Managing the "Jock Tax" across every state where you play to protect your earnings.
• The Second-Half Roadmap: We don't just manage wealth; we manage the bridge. Whether your next calling is business, coaching, or charity, we ensure your assets are positioned for the next 50 years.
• Legacy Governance: Acting as a "lead scout"—vetting opportunities and managing the "noise" of sudden wealth so your inner circle remains built on integrity.

Quiet Stewardship for the Professional

• You have spent your life mastering your craft. We bring that same level of disciplined precision to mastering your wealth. I treat every legacy with the same care I gave my first client—because for me, this work has always been personal.

Quiet Stewardship. Steady Principle. Private by Choice.

Whether you are navigating a complex family legacy, a career in public service, or the transition from professional sports, we provide the silent strength behind the complex.