Guiding You Through Your Financial Journey

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Our Process

There is no one size fits all approach when it comes to planning your financial future. We work with you to understand where you are at and what your dreams are so we can make and implement a plan that meets your goals. Our process includes these steps.


Your Dreams

Whether your goals include retirement, education or a major purchase like a second home, we begin with what’s more important to you.  We determine your time line and, we let you dream.  We then make your dream clear; clarify, identify, plan, and look at all the options. Then we look at your details.


Your Details

Collecting and using the right data sources is crucial to the success of personal or business analysis and planning.  Accuracy and timing make all the difference in which facts are included in a financial plan.  Then it’s time to create a blueprint.


Your Blueprint

A financial plan is a comprehensive picture of your finances, goals, and the strategies you will set to achieve those dreams.  Good financial planning should include details about the important elements of your financial life.  Now it’s time to take action.


Your Action Plan

Without implementation, financial plans have no value.  Together with our clients we implement the plan, take action, and measure your accomplishments regularly.


Measuring Your Accomplishments

It would be impossible to determine if clients are making progress to meet their goals without monitoring.  Our clients have access to us when they need us, but we believe an annual review helps our clients reach their goals. Our Commitment; We place our client before our self, we deliver what we promise, we take pride in all we do, we find a better way, we act as a fiduciary, and we respect the individual.

Our Team

Financial Transformation Team is made up of an elite group of professionals that will help you reach your financial goals. Each member is fully vetted and works together to support your financial journey. Each member has a fiduciary responsibility to provide the best service without having to be connected to specific products.

Barbara Stetzko Co-Founder Financial Transformation Group

Barbara Stetzko, CFP®, CDFA®


Barb specializes in advanced strategies to help meet lifetime goals, reduce income tax, and transfer assets from one generation to the next without complication. Whether it’s creating wealth, preserving your retirement nest egg, or surviving a tough time; Barb knows how to help meet your needs.

Barb is a Series 24 General Securities Principal, Series 7, and 63, Registered Representative, in AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, ND, NH, NJ, NV, NY, OH, OK, OR, PA, SC, TN, TX, WA, WI. An Investment Advisory Representative in FL and TX, and holds a Life, Health, Variable Annuity Insurance license. Barb became a Certified Financial Planner Practitioner™ in 1994, and is also a Certified Divorce Financial Analyst™.

Fernando Romero, Co-Founder Financial Transformation Group

Fernando Romero, LUTCF


Fernando works for his clients, not any one financial or insurance company. His focus on asset protection and income tax diversification makes his clients better able to withstand difficult times. He believes, we have to pay attention to how we accumulate assets, but it is just as essential to focus on the distribution of those assets, while monitoring for risk tolerance. It’s important to know where you stand.

Fernando provides a wide range of services that can be customized to fit the unique needs of each of his clients.

Fernando is a Series 6, 63, 65 Registered Representative in AL, DE, FL, GA, MI, NC; an Investment Advisory Representative in FL, and holds a Life, Health and Variable Annuity Insurance License in FL, AL, CO, GA, IN, KY, MD, MO, MS, NC, NM, OH, TX, VA.

ames D. Hough Co-Founder Financial Transformation Group

James D. Hough, PhD, CLU, ChFC, CFP, CLTC, AEP


From the first hello, Jim’s focus is on four areas vital to your financial success: Your wants, needs and risk tolerance; planning process before product; efficiency and cost-saving; and simplification. As a former college professor who taught personal finance, Jim is especially adept at making complex planning processes and financial concepts easy to understand. While the final product of Jim’s effort is often a retirement plan, estate plan or legacy plan, he always reviews each situation to assess asset protection, family protection and security in case of emergencies. After four decades of service to working people, business owners, professionals and retirees, Jim’s greatest satisfaction is to hear “Thanks, Jim, for all your help.” Jim and his clients have fun, they laugh a lot!

Jim holds Series 6, Series 7, Series 22, Series 63 securities licenses. He is a Registered Representative in AZ, CO, FL, GA, NC, OR, TN, an Investment Advisory Representative in FL, and holds Life, Health and Variable Annuity licenses in AL, AZ, FL, GA, KY, MD, ME, NC, NV, OH, SC, TN, TX and VA.

Check the background of these professionals with BrokerCheck.


As a full service financial planning office our advisors will help you choose the right products and services to help you achieve your goals. We focus on process more than products and have a fiduciary responsibility to do what is in your best interest. Services include:

Complete financial planning
Retirement planning
Estate and legacy planning
Investment review and analysis
Business analysis and executive benefit planning
Business group benefits
Investment product of almost any type including Annuities, 401K, IRAs, Stocks, Bonds, Mutual Funds and more
Life insurance
Disability insurance
Long-term care insurance
Medicare supplement insurance
Individual medical insurance
Retirement annuities focused on growth or on guaranteed life income

Get Started with your Financial Goals