Crystal River

Barbara Stetzko Co-Founder Financial Transformation Group

Barbara Stetzko, CFP®, CDFA®

Barbara Stetzko’s profile on BrokerCheck

CERTIFIED FINANCIAL PLANNER Professional, CDFA® Barbara Stetzko has been a financial and business planning professional for individuals and major corporations since 1979. Her passion is client protection and education, taking her national practice to a high level of excellence in the industry. She has authored extensive client education materials, workshops, and audio recordings, as well as being quoted in print and on the radio.

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 your objective is creating wealth, preserving your retirement nest egg, or surviving a tough time, she knows how to help meet your needs.

Professional Licenses and Affiliations:

  • Co-Founder of Financial Transformation Group
  • CDFA® Certified Divorce Financial Analyst
  • Stock Broker, Series 7, and 63, Registered Representative in multiple States
  • Investment Advisory Representative
  • The Financial Sense People, LLC, is registered as an Insurance Agency in the state of Florida
  • Series 24 General Securities Principal
  • Life, Health, Variable Annuity Insurance licensed, in multiple States

The Financial Sense People Partnering with Financial Transformation Group

Her company, The Financial Sense People, is thriving and proud to serve the people of Crystal River and beyond with integrity, understanding and knowledge. In 2020 she started the partnership with Financial Transformation Group in order to provide better and more comprehensive service to her clients.

Financial Team ready to serve

Our staff has a passion for perfection. Our respect for detail means your plan is handled right the first time. Our focus is on the clearly defined goal of providing individual attention to you and your family needs. We have been providing our services to people just like you for decades. Every member of our staff has the education necessary to serve your needs.


Fiduciary Standards

As our ethical standards dictate, we abide by the CFP® professional principle that the needs, goals, and concerns of our clients always come first. 



As your “Financial Mentor”, we listen to your needs, and then guide you from your goals and objectives to development of your plan, its implementation, and ongoing review and analysis.


Legacy and Wealth Preservation

There is more to a complete estate program than just passing on your money. We represent our client’s interests in the transitioning of their estate transfer and the funding of trusts.

At the Financial Sense People we are in continuous contact with those we serve. Our clients experience a detailed, educated approach to their concerns about the preservation of the legacy and the wealth they have created.


Investment Style

We use a researched, economic, conservative philosophy towards development of a plan to successful investing.

Our “cutting edge” approach to managing risk, income, assets, and estate transfer is aimed at client protection.  We strive to keep clients ahead of the economic and financial changes we all face today, and on target with their own personalized plan.

Professional Commitment

Our commitment to providing professional care will be obvious when you experience the extra time and effort we take in creating, implementing, and reviewing your financial plan.  Our values are transferred into actions.

Crystal River Financial Planning Office

Barbara Stetzko’s office, The Financial Sense People, works hard to help you achieve your financial goals. She is happy to answer your financial questions and get you started on the path to meet your financial goals. Conveniently located in Crystal River she locally helps people in neighboring Homosassa, Brooksville, Springs, Fort Island, Citronelle, Crystal Oaks, and Lecanto. Only a phone call or virtual meeting away she helps her clients throughout the state of Florida and beyond. She truly appreciates all the people who have trusted her with their financial futures and has an extensive client list of business owners and individuals throughout the United States.

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Monday-Friday 8:30am-5pm
Request an Appointment

825 North Citrus Avenue Crystal River, FL 34428
(352) 795-4411 or (800) 316-1695