I believe access to straightforward financial education is the key to unlocking a better financial future for everyone, regardless of age or income.

About Stephen

Stephen Kates is a CFP® professional and personal finance expert specializing in financial planning and education. Stephen is the Principal Financial Analyst for and where he focuses on providing strategic insights on current market and industry topics such as wealth management, retirement planning, and investing.  

Stephen is the Founder of Clocktower Financial Consulting, LLC, and previously the Head of Financial Planning for   

With over 15 years of experience in the financial industry, Stephen focuses on creating targeted consumer finance solutions for individuals, families, and business owners. Stephen leverages his passion for financial literacy to simplify complex topics and make financial planning accessible to everyone.

Stephen began his career as a financial advisor in Boston, MA. Throughout his early career at two of the largest financial firms in the country, Fidelity Investments and TIAA-CREF, Stephen has helped hundreds of clients build comprehensive financial plans to grow and protect their wealth.

As part of his work as an industry expert, Stephen writes and speaks on the fundamentals of personal finance, retirement, and income planning. He has appeared on national broadcasts, including NBC, CBS, and Fox Business, and has been quoted in leading digital publications such as CNET, International Business Times, and Newsweek.  Stephen’s financial planning and fintech business experience have positioned him as a sought-after resource for other advisors, retirees, and first-time savers.

Stephen lives and works in Charlotte, NC, with his wife Kate and two children. He is a passionate Boston sports fan, but still relishes the local football and baseball games in his adopted home. Stephen is an avid traveler and enjoys collecting local artwork while traveling with his family.

Clocktower Financial Consulting, LLC is a premier financial consulting firm that empowers businesses to develop targeted consumer finance solutions and go-to-market strategies. With over 15 years of experience in client advisory, wealth management, and financial education, our team is dedicated to simplifying even the most complex financial topics, making them accessible to all. We never lose sight of the human aspect of financial planning and are committed to providing insight that drives success.

Specializing in both fractional and full-time consulting and advisory services, Clocktower Financial Consulting serves as a dedicated partner for wealth management and consumer-facing financial technology brands. We offer practical guidance and targeted solutions to support the growth of organizations looking to scale their operations using our expertise, structured approach, and process-driven frameworks. 

At Clocktower Financial Consulting, our team not only understands the challenges of building financial solutions but also possesses the skill to propel your personal finance or organizational strategies toward success. Our proven track record and unwavering commitment to excellence establish us as the top choice for financial consulting services. 

Media Appearances

Stephen has appeared as a personal finance expert in national broadcast media programs and has been quoted in leading digital publications including Fox Business, CNBC, USA Today, ABC News,, and more.