Cascade Financial Strategies provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, publishing newsletters, and educational seminars. Financial planning was provided to 11–25 clients last fiscal year.
Cascade Financial Strategies reports 309 clients. They include 267 individual clients, 40 high-net-worth individuals and 2 charitable organizations. Of its assets, 99.6% ($150M across 598 accounts) are managed with discretion; $605K across 7 accounts are not. It advised 12 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 86% | 46% |
| High-net-worth individuals | 13% | 53% |
| Charitable organizations | <1% | 1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 267 | $69.3M | 45.9% | $259K |
| High-net-worth individuals | 40 | $80M | 53.0% | $2M |
| Charitable organizations | Fewer than 5 | $1.6M | 1.1% | $800K |
| Total | 309 | $151M | 100% | — |
- Clients
- 267
- Regulatory AUM
- $69.3M
- AUM share
- 45.9%
- Avg. per client
- $259K
- Clients
- 40
- Regulatory AUM
- $80M
- AUM share
- 53.0%
- Avg. per client
- $2M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.6M
- AUM share
- 1.1%
- Avg. per client
- $800K
Total
- Clients
- 309
- Regulatory AUM
- $151M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 12
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 11–25
Cascade Financial Strategies charges 0.50%–1.50% a year for its Comprehensive Portfolio Management. The fee is billed in advance and is negotiable. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial planning
- Hourly fees of $250 to $350, or fixed fees typically $500 to $2,500; any advance payment never exceeds $500 for work not completed within six months.
- Pension and qualified plan consulting
- Priced on the same percentage schedule as portfolio management, invoiced to plan sponsors quarterly in advance.
John Schniepp owns 75% or more of Cascade Financial Strategies. The leadership team of Cascade Financial Strategies includes Chief Compliance Officer John Schniepp. It has 5 employees, 3 of them in advisory roles.
Leadership
- John SchnieppOwner/Chief Compliance Officer
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 5 employees
- 3 in advisory functions
- 3 state-registered reps
- 3 soliciting firms
- Owns 75% or more of Cascade Financial Strategies, LLC
John Schniepp
Control person · since January 2013
Cascade Financial Strategies’ regulatory assets grew from $120M (March 2025) to $151M (March 2026); clients fell from 329 to 309 and employees rose from 2 to 5.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $151M | 309 | 5 | 1 |
| March 2025 | $120M | 329 | 2 | 1 |
Besides its headquarters, Cascade Financial Strategies has 0 offices, with 1 listed address in Oregon.
Oregon · 1 listed address
- 243 Scalehouse Loop, 1a, BendHQ
Contact and registration details
- Legal name
- Cascade Financial Strategies, LLC
- Headquarters
- 243 Scalehouse Loop, 1a, Bend, OR 97702
- Website
- cascadefs.com
- Phone
- 541-678-5475
- @cascade-financial-strategies
- SEC file
- 801-132417
- Structure
- Oregon LLC
- Fiscal year end
- December
Cascade Financial Strategies uses Charles Schwab ($143M, 99%) and LPL Financial ($1.02M, 1%) as custodians for its separately managed accounts. Cascade Financial Strategies does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $143M99%
- LPL FinancialLPL Financial LLC · Fort Mill, SC · $1.02M1%
At year end, Cascade Financial Strategies’ separately managed accounts were largely in funds (30%) and bonds (30%).
What the accounts hold
- Stocks27%
- Exchange-traded equities20%
- Non-exchange-traded equities7%
- Funds30%
- Bonds30%
- Investment grade corporate bonds21%
- U.S. government and agency bonds7%
- State and local bonds2%
- Cash5%
- Other3%
- Alternative income and hedge growth (structured notes)3%
Filed values cover 95%. The neutral 5% gap has no reported category.
How many clients does Cascade Financial Strategies have?
Cascade Financial Strategies has 309 clients and manages $151 million for them, as of March 2026. They include 267 individual clients, 40 high-net-worth individuals and 2 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 20 March 2026
What services does Cascade Financial Strategies offer?
Cascade Financial Strategies provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, publishing newsletters, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Cascade Financial Strategies charge?
Cascade Financial Strategies charges 0.50%–1.50% a year for its Comprehensive Portfolio Management. The fee is billed in advance and is negotiable.
Which custodians does Cascade Financial Strategies use?
Cascade Financial Strategies’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $143M and LPL Financial LLC (Fort Mill, SC), with $1.02M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 20 March 2026
How many financial advisors does Cascade Financial Strategies have?
Cascade Financial Strategies has 3 investment adviser representatives registered with state securities authorities, out of 5 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Cascade Financial Strategies invest in?
At the end of its last fiscal year, Cascade Financial Strategies’ separately managed accounts held 30% pooled vehicles (private funds and similar), 21% investment grade corporate bonds, 20% exchange-traded equities, 7% non-exchange-traded equities, 7% U.S. government and agency bonds, 5% cash and equivalents, 3% other and 2% state and local bonds. The 3% other category is described as: Alternative Income and Hedge Growth (Structured Notes).
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Cascade Financial Strategies?
Cascade Financial Strategies’ direct owner is John Schniepp (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 20 March 2026
How does Cascade Financial Strategies get paid?
Cascade Financial Strategies is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Cascade Financial Strategies?
Cascade Financial Strategies’ main office is at 243 Scalehouse Loop, 1a, Bend, OR 97702. Its phone number is 541-678-5475. Its website is cascadefs.com.