Stephanie Gumm, CEPA
Hello 👋🏼 I’m Stephanie. I endeavor to help women, small business owners, dentists, and executives plan and achieve their dreams through thoughtful financial strategies. From retirement income and business planning to tax strategies and portfolio analysis, I focus on aligning your finances with what matters most to you.
I take an educational approach to my practice, guiding clients through complex decisions and ensuring they understand their options so they can make confident, intentional choices for their future. With over 25 years as a business owner myself, I aim to bring a real-world perspective to helping clients plan for every stage of life, including business exits, retirement, and long-term financial security.
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Reston, VA
“I became a financial planner because I’ve seen what happens when people don’t have the right guidance. Now, I’m passionate about helping others, especially women and business owners, build the confidence, clarity, and structure they need to achieve the future they envision.”
Our Team
At Horizon Advisory Group, our mission is simple: to help clients feel confident and empowered in their financial lives. Led by Berkely Arrants, our team brings together a wealth of expertise in personal and business financial planning, retirement income strategies, and holistic wealth management. Each team member contributes complementary skills and perspectives, allowing us to address complex financial situations with clarity, compassion, and a focus on what truly matters to you.
We are experienced in guiding clients through life’s transitions, whether it’s retirement, business succession, divorce, or the birth of a child, while providing tailored strategies for long-term financial security. What unites us is a commitment to listen deeply, simplify the complex, and design personalized plans that reflect your unique circumstances and goals. At Horizon, we don’t believe in one-size-fits-all solutions; we believe in creating a plan as unique as the person or family we serve.
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How can I help?
Investment Management
Investment Management
Financial Planning & Analysis
Personalized wealth management helps our clients protect their assets. We use a holistic approach to financial planning that integrates tax strategy, trust & estate planning, and risk management.
Retirement Planning
Transition into your golden years with confidence. Our goal is to see to it that you’re prepared for the unpredictable. Let us turn your retirement dreams into actionable plans.
Monthly recaps on financial markets. Stay in the loop with Stephanie.
Get to know Stephanie
Stephanie Gumm is a seasoned financial advisor and business owner with over 25 years of experience helping clients achieve their financial goals. She is passionate about guiding women, small business owners, executives, and dentists through comprehensive financial planning, retirement income strategies, business planning, tax planning, and portfolio analysis. Stephanie is committed to aligning her clients’ strategies with their values, dreams, and long-term goals, ensuring that every recommendation is purposeful and actionable.
Stephanie brings a unique perspective to her clients, shaped by her own family experience. Raised in Baltimore with a private school education and summers spent at Rehoboth Beach, she witnessed firsthand the challenges families face when retirement and long-term planning are overlooked. This experience fuels her passion for educating clients and helping them confidently navigate their financial journey. For her business-owner clients, Stephanie begins each engagement with a thorough exit strategy, ensuring the business and personal financial goals are aligned for a successful transition in the future.
Outside of her professional life, Stephanie is deeply committed to her community. She serves as Vice Chair of the Board at Dandelion Meadow, supporting women who are victims of addiction and human trafficking, and she helped found the Love For Children outreach program through St. Paul’s Episcopal Church. She enjoys gardening, hiking, traveling, and spending time in the Virginia mountains with her husband and twin children.
I started my career in group benefits design, helping small business owners navigate complex insurance and benefits decisions. Early on, I realized I wanted to do more to make a broader impact on my clients’ financial lives. That led me to transition into financial advising, and eventually into comprehensive financial planning, where I can help clients create holistic strategies that align with both their personal and business goals.
My expertise lies in exit planning, holistic financial planning, and wealth management. I help clients connect all the pieces of their financial lives being business, personal, and investment strategies, so they can make informed decisions and work toward their long-term goals with confidence.
I work primarily with small business owners, dentists, and individuals who are focused on securing their retirement. I enjoy helping clients navigate both their personal and business financial lives, creating strategies that provide clarity, confidence, and long-term peace of mind.
I focus on tax planning and optimization because they are crucial aspects to consider when managing your finances. By strategizing efficient ways to minimize tax liabilities and maximize savings, my clients can plan for the future. Additionally, I also help clients with retirement planning, Investment management, and cash flow planning because they are essential for maintaining a healthy financial balance.
I help clients with a wide range of strategies designed to create a comprehensive, tailored financial plan. This includes tax planning to minimize liabilities, cash flow management to ensure money is working efficiently, risk management to help protect against unexpected events, and wealth management strategies aimed to grow and preserve assets. My approach is always holistic, connecting each piece of a client’s financial picture to help them achieve their short- and long-term goals.
I really believe in the prioritization of educating my clients so they fully understand their options and the impact of each decision. By providing clear explanations and fostering understanding, I truly empower my clients to make intentional, confident choices about their financial future. My approach isn’t just about managing money, it’s about giving clients the knowledge and clarity to take control of their goals.
My favorite part of working with clients is helping them take control of their financial future. I love guiding them through complex decisions, breaking down complicated concepts, and showing them how different strategies can work together to achieve their goals. There’s something incredibly rewarding about seeing clients gain clarity, confidence, and a sense of direction, whether it’s planning for retirement, growing their business, or preparing for a major life transition. Being part of that process and watching their progress firsthand is what makes this work so fulfilling.
What I love most about working with Savvy is the “can do” culture. Every day, the team is focused on finding solutions, supporting advisors, and helping clients succeed. That energy and commitment give me the freedom to focus on what I feel I do best: working directly with my clients, designing strategies that fit their unique situations, and helping them move confidently toward their goals. It’s a true partnership that makes both my work and my clients’ experience better.
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Neither Savvy Wealth, nor Savvy Advisors compensates directly for testimonials or endorsements provided herein, by advisers. However advisors may have an indirect financial incentive to provide testimonials.
