Lincoln Investment
46yrs
Top advisor by experience in Royal Oak
11yrs
Stephen Japowicz
Financial advisor at Goldman Sachs Wealth Services
Based in Royal Oak, Michigan, Stephen Japowicz is a fiduciary financial advisor with 11 years of industry experience. Stephen joined Goldman Sachs Wealth Services in 2023, after three years at United Capital Financial Advisors. Goldman Sachs Wealth Services offers financial planning, investment management, and selecting outside investment managers and is paid through a percentage of assets, hourly fees, and subscription fees.
One of 81 advisors with offices in Royal Oak, and one of 78 fiduciaries.
At a glance
Experience11 years (since 2016)
How that compares ?More experience than 67% of advisors at Goldman Sachs Wealth Services
OfficeRoyal Oak, MI
How the firm is paid ?Percent of assets, Hourly, Subscription, Flat fee
Typical client at the firm ?$215,149
Advisors at the firm1,137
States licensed ?1 state
Services through Goldman Sachs Wealth Services
Financial planningInvestment management for individuals and small businessesInvestment management for businesses and institutionsChoosing other investment managersNewsletters and publicationsEducational seminars and workshops
Specialties, designations like CFP®, and languages spoken appear here when advisors claim their profiles.
Licenses
Exams passed, from the official record. Tap a license to see what it allows.
Series 66Uniform Combined State Law Examination
Career
- 2023 – nowGoldman Sachs Wealth Services, L.P.Current firm
- 2020 – 2023United Capital Financial AdvisorsPreviously
- 2016 – 2020Goldman Sachs Wealth Services, L.P.Previously
Questions to ask Stephen
Tailored to Stephen’s registration and firm.
- At a firm this size, will I work with you directly or with a service team?
- What does a financial plan with you include, and how often is it updated?
- If you use outside managers, how are they chosen and what do they cost on top of your fee?
- Where would my money be held, and will I get statements directly from that firm?
- What would I pay in total each year, in dollars, including fund and trading costs?
My notes and scorecard
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About Stephen
How do I contact Stephen?
Call Goldman Sachs Wealth Services at 518-886-4000 and ask for Stephen Japowicz. Stephen works from the Royal Oak, MI office.
How long has Stephen been a financial advisor?
Stephen has been in the industry since 2016, about 11 years. More experience than 67% of advisors at Goldman Sachs Wealth Services.
What licenses does Stephen hold?
Series 66. Tap any license on this page to see what it allows.
Is Stephen a fiduciary?
Stephen is registered as an investment advisor representative, which carries a fiduciary duty when giving investment advice.
How is Stephen paid?
Goldman Sachs Wealth Services reports being paid by a percentage of the assets they manage, hourly fees, subscription fees, flat or fixed fees. Ask Stephen for your total yearly cost in dollars.
Official record as of October 3, 2026.
This profile is for information only and is not financial advice or a recommendation.
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