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Stephen Mandracchia

Advisor at Tulip Financial Planning LLC — Harvest, AL

Updated today

Credentials

CFP®, Series 63, Series 66

Experience

5 years

Location

Harvest, AL

Tulip Financial Planning LLC logo

Tulip Financial Planning LLC

Independent

Total advisors

1

Clients per advisor

7 Low

Avg AUM per client

$957,256 High

HNW client ratio

29% Typical

About

Stephen Mandracchia is a CFP® professional based in Harvest, AL, and the principal advisor at Tulip Financial Planning LLC. He has five years of industry experience and has worked at firms including Morgan Stanley, Ironwood Investment Counsel, and Dew Wealth Management. Tulip Financial Planning serves business owners, high-income professionals, and high-net-worth families by providing discretionary investment management alongside comprehensive financial planning that covers tax, cash flow, insurance, legal structures, and estate planning. The firm focuses on passive, tax-efficient, long-term investment strategies and offers services ranging from tax preparation and planning to retirement plan design and business exit planning.

Client services

Based on Tulip Financial Planning LLC

Financial planning Portfolio management Newsletters or periodicals Educational seminars or workshops

Expertise

Based on Tulip Financial Planning LLC

Business sale tax planning Retirement plans for business owners (SEP, solo 401k) General tax planning Wealth management Family Business

Occupation focus

Based on Tulip Financial Planning LLC

Founder/Business Owner

Demographic focus

Based on Tulip Financial Planning LLC

Mid-Career Professionals

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Fee options

Fixed

90-Day Audit: $6,000 (income under $1,000,000), $12,000 (income $1,000,000 or more), $18,000 (includes M&A and exit planning); Family office services: $4,000 (Tier 1), $6,000 (Tier 2), $10,000 (Tier 3) per month; Tax preparation starts at $1,500 (individual) and $3,000 (business); One-time tax consultation $1,500; Standalone tax planning $850 to $1,500 per month

Percentage

$0 - $1,000,000: 1.00% $1,000,001 - $5,000,000: 0.75% $5,000,001+: 0.50%

Subscriptions

Family office services monthly fees: $4,000, $6,000, or $10,000 depending on tier

Location

Harvest, AL

Harvest AL

Advisors at this office

1

Most active in

Alabama · Arizona

Work history

5 years of industry experience

Tulip Financial Planning LLC

2025 - Present • 1 year

Harvest, AL

EntreWealth, LLC

2025 - 2025 • 1 year

Phoenix, AZ

Dew Wealth Management

2023 - 2025 • 2 years

Scottsdale, AZ

Ironwood Investment Counsel

2020 - 2023 • 3 years

Scottsdale, AZ

Morgan Stanley

2019 - 2020 • 1 year

Chandler, AZ

Amerprise

2019 - 2019 • 1 year

Peoria, AZ

Charles Schwab & Co., Inc.

2018 - 2019 • 1 year

Phoenix, AZ

State Farm

2017 - 2018 • 1 year

Tempe, AZ

Empower College Prep

2016 - 2017 • 1 year

Phoenix, AZ

Arizona State University

2016 - 2017 • 1 year

Tempe, AZ

Our Lady of Mt. Carmel Catholic School

2014 - 2017 • 3 years

Tempe, AZ

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Henry C

CFP®, Series 7, Series 66

Huntsville, AL

Keel Point, LLC

Henry is a CERTIFIED FINANCIAL PLANNER® professional and Wealth Advisor at Keel Point who believes the best financial planning happens through real relationships. He works with pre-retirees, retirees, and young professionals who want to feel confident about where they are headed and why, bringing clarity and purpose to some of life’s most important decisions. With a background in comprehensive financial planning across retirement, tax, insurance, investment, and estate planning, Henry makes complex topics approachable without ever losing sight of the person behind the plan. Before entering financial planning, Henry worked as a broadcast engineer for Auburn Athletics, facilitating more than 300 live broadcasts on ESPN and the SEC Network. He holds a Master of Business Administration and a Bachelor of Arts in Media Studies, both from Auburn University. Outside of work, Henry founded Rocket City Fellowship, a community for young men in Huntsville, and served with Young Life for over a decade, including leadership roles at Frontier Ranch and Auburn High School. He serves on the Auburn University Harbert College of Business Young Alumni Council and is a graduate of Leadership Greater Huntsville Connect Class 27. Originally from Memphis, Tennessee, Henry now lives in Huntsville with his wife Lizzie and their black lab, Sage.

Wealth management General retirement planning General tax planning Multi-generational wealth transfer Life insurance needs analysis Retired Government Employee Doctor or Medical Professional Engineering Professional Retired Approaching retirement Mid-Career Professionals Career Changers HENRY (High Earners, Not Rich Yet)

Drew C

Series 66, Series 7

Huntsville, AL

Keel Point, LLC

Drew Chapman serves as a Senior Wealth Advisor at Keel Point, where he focuses on helping families as well as federal government executives through complex retirement and investment strategies. With over a decade of financial planning experience, Drew brings clarity and confidence to clients navigating TSP, FERS, and CSRS benefits, as well as executive compensation and early retirement offers (VERA/VSIP). He is passionate about helping families align their financial decisions with their personal values, long-term goals, and legacy planning needs. Drew takes a comprehensive and relational approach, integrating retirement planning, tax efficiency, and multi-generational planning to help clients harness wealth to live with peace and purpose. Before joining Keel Point, Drew honed his expertise at both boutique advisory firms and national financial institutions. He holds a degree in Economics and Finance from Auburn University and is a Certified Kingdom Advisor (CKA). Drew is also a trusted resource within the federal employee community, frequently presenting classes on retirement readiness and financial wellness. Outside the office, Drew enjoys time with his wife and daughter, friends, reading, mentoring young professionals, and spending time outdoors—especially on the golf course.

General retirement planning General tax planning Charitable giving & philanthropy Retirement income strategy Private / alternative investments Government Employee Independent Contractor Military & Veterans Founder/Business Owner Retired Approaching retirement Retired Widow/Widower Christian Faith Based Religious/faith focused
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Brian S

CFA®

Huntsville, AL

Capital Stewards, LLC

Brian Seay is a CFA® charterholder with five years of industry experience. He has worked at Capital Stewards, LLC since 2021 and previously held positions at Truist Bank and Accenture. Capital Stewards, LLC is an independent registered investment adviser managing multi-million dollar assets for individuals, high-net-worth households, pension and profit-sharing plans, and charitable organizations. The firm provides discretionary portfolio management and financial planning services, using fundamental analysis, modern portfolio theory, and quantitative techniques, and often serves charitable clients.

Options & derivatives strategies Real estate investing Annuities
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Paul L

Series 65

Huntsville, AL

Lamont Trading Advisors, Inc.

Paul Lamont is the principal of Lamont Trading Advisors, Inc. in Huntsville, AL, with 20 years of industry experience. He holds a Series 65 designation and has managed his advisory firm since 2005. Prior to founding the firm, he spent eight years at Eureka Cattle Company, Inc. Lamont Trading Advisors provides investment advice, account management, and financial consultation to individuals, corporations, trusts, and pension plans. The firm offers two managed account programs focused on short-term U.S. Treasury bills and actively managed bear market strategies, combining charting, cyclical, fundamental, and technical analysis with discretionary trading authority.

Active portfolio management
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Bobby J

CFP®, ChFC®, Series 63, Series 65

Toney, AL

Junkin & Company, Inc.

Bobby Junkin Jr. is the principal of Junkin & Company, Inc. in Toney, Alabama, with 20 years of experience in financial advisory services. He holds the CFP® and ChFC® designations and has led his independent firm since 2013. In addition to his advisory role, Mr. Junkin is a licensed insurance agent and occasionally offers advice on commissionable insurance products. Junkin & Company provides financial planning and investment advisory services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and pension and profit-sharing plans. The firm emphasizes a passive investment approach based on the Efficient Market Hypothesis and Modern Portfolio Theory, typically recommending unaffiliated advisers to implement diversified, long-term strategies.

General retirement planning College savings (529s, UTMA, etc.) Wealth management
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Kenneth C

ChFC®, Series 63

Huntsville, AL

KG Consulting Group, Inc.

Kenneth Cantley is a financial advisor with KG Consulting Group, Inc. in Huntsville, AL. He holds the ChFC® designation and a Series 63 license and has 10 years of industry experience. Prior to founding KG Consulting Group in 2015, he engaged in general insurance sales on an occasional basis. KG Consulting Group, Inc. provides investment advisory and financial planning services to individuals, corporations, and employee benefit plans. The firm manages approximately $10.8 million across about 15 clients, offering portfolio management, financial planning, and pension consulting, including participant enrollment support and educational seminars.

Retirement income strategy Annuities Wealth management
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