S & P Financial provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 51–100 clients last fiscal year.
S & P Financial reports 556 individuals. Of its assets, 100.0% ($371M across 1,651 accounts) are managed with discretion. It advised 556 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 100% | 100% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 556 | $371M | 100.0% | $667K |
| Total | 556 | $371M | 100% | $667K |
- Clients
- 556
- Regulatory AUM
- $371M
- AUM share
- 100.0%
- Avg. per client
- $667K
Total
- Clients
- 556
- Regulatory AUM
- $371M
- AUM share
- 100%
- Avg. per client
- $667K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 556
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
S & P Financial charges 1.00% a year for its Comprehensive Investment Management Services. The fee is billed in advance, is negotiable and requires an account of at least $250,000. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Stand-Alone Financial Planning Services
- Stand-alone financial planning is billed hourly at $200 to $250 an hour or as a flat fee typically from $1,000 to $2,500, negotiable.
Chad Smith owns 50% to 75% of S & P Financial. The leadership team of S & P Financial includes Chief Compliance Officer Chad Smith. It has 2 employees, 1 of them in advisory roles.
Leadership
- Chad SmithChief Compliance Officer
- Christopher PattersonManaging Partner
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
- Christopher Patterson
- Chad Matthew Smith
Staff
- 2 employees
- 1 in advisory functions
- Owns 50% to 75% of S & P Financial, Inc.
Chad Smith
Control person · since February 2006
- Owns 50% to 75% of S & P Financial, Inc.
Christopher Patterson
Control person · since April 2014
S & P Financial’s regulatory assets grew 1.6× from $231M (May 2021) to $371M (March 2026); clients rose from 389 to 556 and employees were 2 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $371M | 556 | 2 | 1 |
| March 2025 | $324M | 525 | 2 | 1 |
| April 2024 | $268M | 479 | 2 | 1 |
| April 2023 | $248M | 419 | 2 | 1 |
| July 2022 | $269M | 405 | 2 | 1 |
| May 2021 | $231M | 389 | 2 | 1 |
Besides its headquarters, S & P Financial has 0 offices, with 1 listed address in Oregon.
Oregon · 1 listed address
- 241 Maple Street, Suite 101, AshlandHQ
Other business names
S & P Financial has reported 2 other business names to the SEC.
- Retirement Planning Specialists, Inc.
- S & P Financial, Inc.
Contact and registration details
- Legal name
- S & P Financial, Inc.
- Headquarters
- 241 Maple Street, Suite 101, Ashland, OR 97520
- Phone
- 541-482-0138
- SEC file
- 801-66205
- Structure
- Oregon corporation
- Fiscal year end
- December
S & P Financial uses Charles Schwab ($268M) as custodian for its separately managed accounts. S & P Financial does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $268M100%
At year end, S & P Financial’s separately managed accounts were mostly in funds (51%) and stocks (42%).
What the accounts hold
- Stocks42%
- Funds51%
- Bonds3%
- U.S. government and agency bonds1%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash4%
How many clients does S & P Financial have?
S & P Financial has 556 clients and manages $371 million for them, as of March 2026. They include 556 individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026
What services does S & P Financial offer?
S & P Financial provides financial planning and 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 S & P Financial charge?
S & P Financial charges 1.00% a year for its Comprehensive Investment Management Services. The fee is billed in advance, is negotiable and requires an account of at least $250,000.
Which custodians does S & P Financial use?
S & P Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $268M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026
How many financial advisors does S & P Financial have?
S & P Financial has 0 investment adviser representatives registered with state securities authorities, out of 2 employees, and 1 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 S & P Financial invest in?
At the end of its last fiscal year, S & P Financial’s separately managed accounts held 51% registered funds (mutual funds, ETFs, BDCs), 42% exchange-traded equities, 4% cash and equivalents, 1% U.S. government and agency bonds, 1% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does S & P Financial have a minimum investment?
Yes, S & P Financial’s minimum account size for its Comprehensive Investment Management Services is $250K.
Who owns S & P Financial?
S & P Financial’s direct owners are Chad Smith (50% to 75%) and Christopher Patterson (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 31 March 2026
How does S & P Financial get paid?
S & P Financial is paid through a percentage of assets under management and hourly charges. 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 S & P Financial registered with the SEC?
Yes, S & P Financial has been registered with the SEC as an investment adviser since 15 February 2006. Its CRD number is 139358 and its SEC file number is 801-66205.
Source: Form ADV Part 1A, Item 1, filed 31 March 2026; IAPD firm record
How do I contact S & P Financial?
S & P Financial’s main office is at 241 Maple Street, Suite 101, Ashland, OR 97520. Its phone number is 541-482-0138. Its website is retirementplanningspecialists.com.