Financial Directions provides portfolio management for individuals and small businesses.
Financial Directions reports 2,488 clients. They include 2,332 individual clients and 156 high-net-worth individuals. Of its assets, 100.0% ($738M across 2,488 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 94% | 39% |
| High-net-worth individuals | 6% | 61% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 2,332 | $285M | 38.6% | $122K |
| High-net-worth individuals | 156 | $453M | 61.4% | $2.9M |
| Total | 2,488 | $738M | 100% | $297K |
- Clients
- 2,332
- Regulatory AUM
- $285M
- AUM share
- 38.6%
- Avg. per client
- $122K
- Clients
- 156
- Regulatory AUM
- $453M
- AUM share
- 61.4%
- Avg. per client
- $2.9M
Total
- Clients
- 2,488
- Regulatory AUM
- $738M
- AUM share
- 100%
- Avg. per client
- $297K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Financial Directions charges 0.50%–1.00% a year for its Investment Supervisory Services. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Retainer-based supervisory services
- Retainer-billed supervisory services: $100-$1,500 a year on assets to $150,000, $1,500-$10,000 to $1 million, $10,000-$15,000 to $3 million, and $15,000 or negotiable above that.
Stanton Spackeen owns 75% or more of Financial Directions. The leadership team of Financial Directions includes Chief Compliance Officer Mary Cherba. It has 3 employees.
Leadership
- Mary CherbaChief Compliance Officer
Stanton SpackeenSole Member
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- 1 insurance agent
- Owns 75% or more of Financial Directions LLC
Stanton Spackeen
Control person · since December 2024
Financial Directions’ regulatory assets grew 1.6× from $470M (March 2021) to $738M (March 2026); clients rose from 1,777 to 2,488 and employees fell from 7 to 3.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $738M | 2,488 | 3 | 1 |
| March 2025 | $672M | 3,344 | 3 | 1 |
| March 2024 | $561M | 3,753 | 3 | 1 |
| March 2023 | $557M | 3,665 | 4 | 1 |
| March 2022 | $535M | 2,721 | 6 | 1 |
| March 2021 | $470M | 1,777 | 7 | 1 |
Besides its headquarters, Financial Directions has 0 offices, with 1 listed address in Arizona.
Arizona · 1 listed address
- 1228 East Prince Road, TucsonHQ
Contact and registration details
- Legal name
- Financial Directions LLC
- Headquarters
- 1228 East Prince Road, Tucson, AZ 85719
- Website
- financialdirectionsllc.com
- Phone
- 520-408-7777
- @financial-directions-llc
- SEC file
- 801-56919
- Structure
- Arizona LLC
- Fiscal year end
- December
Financial Directions uses Fidelity ($535M, 95%) and Captial Bank and Trust ($25.7M, 5%) as custodians for its separately managed accounts. Financial Directions does not have custody of client assets.
- FidelityFidelity Investments · Albuquerque, NM · $535M95%
- Captial Bank and TrustCaptial Bank and Trust · Indianapolis, IN · $25.7M5%
At year end, Financial Directions’ separately managed accounts were mostly in stocks (97%).
What the accounts hold
- Stocks97%
- Bonds1%
- Cash1%
- Other1%
- Charitable gift funds managed without avisory fee; legacy non-traded reits and publicly traded partnerships.1%
How many clients does Financial Directions have?
Financial Directions has 2,488 clients and manages $738 million for them, as of March 2026. They include 2,332 individual clients and 156 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 24 March 2026
What services does Financial Directions offer?
Financial Directions provides portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Financial Directions charge?
Financial Directions charges 0.50%–1.00% a year for its Investment Supervisory Services. The fee is billed in advance and is negotiable.
Which custodians does Financial Directions use?
Financial Directions’ separately managed account assets are held at Fidelity Investments (Albuquerque, NM), with $535M and Captial Bank and Trust (Indianapolis, IN), with $25.7M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 March 2026
How many financial advisors does Financial Directions have?
Financial Directions has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Financial Directions invest in?
At the end of its last fiscal year, Financial Directions’ separately managed accounts held 97% exchange-traded equities, 1% investment grade corporate bonds, 1% cash and equivalents and 1% other. The 1% other category is described as: Charitable Gift Funds Managed Without Avisory Fee; Legacy Non-Traded Reits and Publicly Traded Partnerships.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Financial Directions?
Financial Directions’ direct owner is Stanton Spackeen (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 24 March 2026
How does Financial Directions get paid?
Financial Directions is paid through a percentage of assets under management 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
Is Financial Directions registered with the SEC?
Yes, Financial Directions has been registered with the SEC as an investment adviser since 18 October 1999. Its CRD number is 108475 and its SEC file number is 801-56919.
Source: Form ADV Part 1A, Item 1, filed 24 March 2026; IAPD firm record
How do I contact Financial Directions?
Financial Directions’ main office is at 1228 East Prince Road, Tucson, AZ 85719. Its phone number is 520-408-7777. Its website is financialdirectionsllc.com.