To & Through Retirement
To & Through Retirement provides retirement saving and income distribution strategies to a focused group of clients.
Steve is here to help ensure you receive all the assistance you need, not only in developing your retirement income strategy but in maintaining it throughout your retirement. In other words, he can help you To & Through Retirement.
Steven J. Mrozek
Steven J. Mrozek founded To & Through Retirement in 2017 in order to focus his 23 years of experience into serving the most critical and challenging client need he encounters: retirement income planning.
Steve focuses on helping retirees and pre-retirees create an income stream that will last throughout retirement. Understanding that retirement questions and responsibilities are often complex, Steve helps clients with key issues, such as: creating the optimum retirement portfolio, lump sum vs. annuities, when to begin distribution of assets, managing withdrawal rates, tax implications on income, Social Security optimization and how to meet required minimum distributions.
Steve promotes financial wellness and literacy with individuals and business owners to increase investor confidence and work toward financial security in retirement. In advising company financial plans, Steve uses prudent practices to select, monitor and manage providers and underlying investments, maximizing employer and employee experiences alike. Steve’s training to obtain the Accredited Investment Fiduciary® designation is of tremendous benefit in this area, complementing his investment knowledge.
Steve concurrently serves as the Chief Investment Officer of American Financial Services, a comprehensive financial services firm that serves clients in eastern Ohio. He oversees the firm’s retirement income planning and fee-based investment management strategies.
Prior to To & Through Retirement and AFS, Steve’s professional experience spanned positions providing support in numerous investment and financial planning disciplines. First, Steve served as an investment analyst with Mid Atlantic Capital Group, a regional broker-dealer, and as an account executive with BISYS, the world’s largest retirement plan administrator prior to being acquired by Citigroup. Then, as a senior analyst with Strategic Wealth Management Group, Ltd. (SWM), Steve was responsible for the firm’s research, selection and monitoring of the various investment managers, mutual funds and other investment vehicles. He also administered the firm’s mutual fund programs. Lastly, in 2006, he formed Cohort Capital Advisors, a firm similar to AFS (merged into AFS in 2014).
Steve graduated with a bachelor’s degree in business administration from Slippery Rock University in 1994, double majoring in accounting and finance. He is a licensed General Securities Representative, Investment Advisor Representative (IAR), licensed insurance agent and an Accredited Investment Fiduciary (AIF®). He is a proud member of the Financial Planning Association (FPA) and the Pittsburgh Retirement Professionals.
Steve resides in Neshannock Township with his wife, Shelly, and daughters, Leah and Maya (and remains bewildered with how fast their childhood has gone). All four enjoy their yellow Lab Carmie and Cockapoo Snickers, reading and walking tours of cities (specifically sampling restaurants and sweet shops).
Away from the office, Steve is committed to helping the community he serves. He is the treasurer of the Neshannock Lions Club and serves on the investment committee at the Pennsylvania State Multiple District Lions as well as the past president of the Robert D. Stevenson Scholarship Foundation.
Schedule a Meeting
To schedule a time to discuss your financial future and the possible role of investments and insurance in your financial strategy, contact us at firstname.lastname@example.org or call us at 724-656-8030 today!
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