freedom financial planning solutions

Guiding You to a Confident Retirement

your next chapter

Let’s Make the Most of Everything You’ve Worked For

Retirement isn’t just a date—it’s a shift in priorities, lifestyle, and decisions. Whether you’re five years out or recently retired, we help you build a plan that fits your income needs, tax situation, and future goals. Based in Grand Rapids and serving clients across Michigan and Virginia, Freedom Financial Planning Solutions offers one-on-one, flat-fee advice with no product sales or minimums. Just thoughtful guidance, tailored to your real life.

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Retirement Income Planning
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Tax Strategies & Roth Conversions
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Social Security Timing
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Planning as a Couple
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Military Retirement Transitions
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Student Loan Guidance
Start with a Free Planning Call
who we serve

Planning Built Around Your Life

A family is sitting next to a dog wearing a cowboy hat.

I'm getting close to retirement.

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A family is sitting next to a dog wearing a cowboy hat.

I'm already retired.

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A woman in a blue shirt is serving food to another woman.

I’m transitioning out of the military.

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what we do

Services Designed for Life’s Transactions

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  • Retirement Planning

    We help with income planning, Social Security timing, tax strategy, and organizing everything into a clear, workable retirement plan—so you’re not left guessing what comes next.


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  • Military Retirement Transitions

    As you transition to civilian life, whether starting your own business or a second career, we are here to guide you through your TSP, pension options, and how to connect today’s decisions to long-term goals.


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  • Student Loan Advisory

    As a Certified Student Loan Professional, we help you navigate repayment strategies, forgiveness options, and how loans fit into your broader financial picture.


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About FFPS

One Advisor. One Relationship. Real Advice.

At Freedom Financial Planning Solutions, you won’t be handed off to junior staff or sold a product. You’ll work directly with Steve Underriter, a flat-fee financial planner who takes time to understand what matters to you. As a solo advisor, Steve combines technical know-how with personal accountability—offering financial guidance that’s as approachable as it is thorough.

Get to Know Steve
our on-going process

A Planning Relationship That Grows With You

Financial planning isn’t a one-time event—it loops back, grows with you, and always starts by listening.

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Listen

We start by understanding what matters most to you—your goals, values, concerns, and your vision for the future.

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Build

We create a flexible plan around income, taxes, timing, and lifestyle—so you can move forward with clarity.

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Revisit

We return to the conversation regularly to reflect, realign, and make sure the plan still fits what you value.

One Conversation Can Bring a Lot of Clarity

Let’s walk through what’s on your mind—and what comes next. Book your no-cost consultation today.