About Redwood Advisory Group

Providing The Confidence to
Retire on Your Terms

Serving clients in California, Colorado, and nationwide with a clear,
proven process for making life’s biggest financial decisions.

Enjoy the Journey to and Through Retirement

25 years helping clients retire with clarity and confidence.

At Redwood Advisory Group, we believe financial guidance is about more than markets or numbers.
Every step we take is designed to align your money with your goals, so you can live fully today
while preparing confidently for tomorrow.

With our planning-first approach, we help
you answer your biggest questions:

  • Can I retire when I want?

  • How much can I safely spend?

  • What’s the most effective way to draw income?

Why Clients Choose Redwood

Planning-First Mindset

Leaving no stone unturned, we consider every aspect of your wealth before making recommendations for your portfolio.

Personalized Guidance

We meet you where you are today and leverage our deep industry knowledge to move you closer to your retirement goals.

True Partnership

We work in your best interest, always. No pressure, no product pushing—just clear, experience-driven guidance.

How We Help

Our framework for guiding you through life’s
biggest financial decisions.

The Redwood Approach

Understand

We get to know your goals, concerns, and
current financial picture.

Answer

We provide clear, straightforward answers
to your top questions.

Implement

We put your personalized plan into action.

Review

We’ll adjust your plan so your plan stays
on track—no matter what life brings.

Start the process

Meet The Redwood Team

  • Steven Loerke

    Founder & President

  • Theresa Lovelace

    Advisor Support Representative, Team Lead

  • John Femoyer

    Advisor Support Representative

Welcome, I’m Steven!

I’ve always believed that financial planning is about more than money—it’s about creating options, flexibility, and freedom. After spending 25 years helping individuals and families build wealth, I know that the best financial plans are simple, strategic, and built for the long haul. That’s why I founded Redwood Advisory Group—to provide independent, fiduciary financial guidance that helps you invest wisely and live freely.

I started my career at Morgan Stanley in Palo Alto, guiding clients through the dot-com crash, 9/11, and one of the most volatile market cycles in history. At UBS Wealth Management in San Francisco, I helped high-net-worth individuals, business owners, and executives manage their complex financial lives. But after two decades in the industry, I knew there was a better way to serve clients—one that put their goals ahead of corporate sales targets. That’s why I built Redwood Advisory Group, an independent firm that delivers clear, transparent, and strategic financial advice focused on you.

Wealth management is about more than just investments—it’s about creating a financial plan that supports the life you love. Whether your goal is retiring early, traveling, or growing your business, a strong financial foundation gives you the freedom to pursue your dreams. Financial success isn’t about quick wins but about making small, intentional decisions that compound over time. I believe in a structured, repeatable process that allows clients to build sustainable wealth while adapting to life’s inevitable changes. As your career, family, and priorities evolve, your financial plan should evolve too, ensuring it remains aligned with your long-term vision and aspirations.

When I’m not working with clients, you’ll find me exploring the coastal charm of Carmel-by-the-Sea, the breathtaking mountain scenery of Lake Tahoe, or the rolling vineyards of Sonoma wine country. I also enjoy hiking in the Rockies, perfecting my golf swing, skiing in Breckenridge, and cheering on the 49ers. Travel, adventure, and great food are all part of how I recharge—and I believe financial planning should help you enjoy the life you love without financial stress.

I love what I do because I get to help people create financial clarity and freedom. Whether you want to build wealth, simplify investing, or retire with confidence, I’d love to help you create a plan that works for you.

Welcome, I’m Theresa Lovelace!

Welcome, I’m John Femoyer!

Interested In Learning More?

 Let’s talk about your goals and how we can help you reach them.

Schedule a Meeting