Sterneck Capital Management provides financial planning, portfolio management for individuals and small businesses, publishing newsletters, educational seminars, business succession planning, estate planning, insurance, and tax planning. Financial planning was provided to 11–25 clients last fiscal year.
Sterneck Capital Management reports 265 clients. They include 129 high-net-worth individuals, 120 individual clients and 8 charitable organizations. Of its assets, 94.2% ($309M across 620 accounts) are managed with discretion; $18.9M across 50 accounts are not. Of its clients, 1% are outside the U.S. It advised 12 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 45% | 6% |
| High-net-worth individuals | 49% | 92% |
| Charitable organizations | 3% | <1% |
| Corporations and other businesses | 3% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 120 | $20.6M | 6.3% | $172K |
| High-net-worth individuals | 129 | $302M | 92.2% | $2.34M |
| Charitable organizations | 8 | $3.11M | 0.9% | $388K |
| Corporations and other businesses | 8 | $1.89M | 0.6% | $237K |
| Total | 265 | $328M | 100% | $1.24M |
- Clients
- 120
- Regulatory AUM
- $20.6M
- AUM share
- 6.3%
- Avg. per client
- $172K
- Clients
- 129
- Regulatory AUM
- $302M
- AUM share
- 92.2%
- Avg. per client
- $2.34M
- Clients
- 8
- Regulatory AUM
- $3.11M
- AUM share
- 0.9%
- Avg. per client
- $388K
- Clients
- 8
- Regulatory AUM
- $1.89M
- AUM share
- 0.6%
- Avg. per client
- $237K
Total
- Clients
- 265
- Regulatory AUM
- $328M
- AUM share
- 100%
- Avg. per client
- $1.24M
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 12
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 11–25
Sterneck Capital Management charges 0.40%–1.50% a year for its Management Fee. The fee is billed in arrears and is negotiable. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Annual Financial Plan Review
- A negotiated recurring annual fee reviews and updates a client's financial plan, billed in arrears on completion of the review.
- Financial Plan for Non-Managed Clients
- The initial plan fee for a client without assets under management is negotiated, between $1,000 and $6,800, and billed in arrears on completion.
Frank Sterneck owns 50% to 75% of Sterneck Capital Management. The leadership team of Sterneck Capital Management includes Chief Investment Officer Frank Sterneck and Chief Operating Officer Brandie Giffin. It has 5 employees, 4 of them in advisory roles.
Leadership
- Brandie GiffinChief Operating Officer; Chief Compliance Officer
- Frank SterneckManaging Member
- Frank SterneckChief Investment Officer
- Austin DrakeSenior Wealth Manager
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
- Austin Lloyd Drake
- Brandie Mignon Giffin
- Frank Martin Sterneck
- Robin Peppe Sterneck
Staff
- 5 employees
- 4 in advisory functions
- 4 state-registered reps
- Owns 50% to 75% of Sterneck Capital Management LLC
Frank Sterneck
Control person · since December 1999
- Owns 50% to 75% of Sterneck Capital Management LLC
Austin Drake
Control person · since January 2026
Sterneck Capital Management’s regulatory assets grew from $233M (March 2021) to $328M (July 2026); clients rose from 239 to 265 and employees were 5 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| July 2026 | $328M | 265 | 5 | 6 |
| July 2025 | $278M | 262 | 5 | 6 |
| June 2024 | $255M | 255 | 6 | 7 |
| March 2023 | $239M | 264 | 6 | 4 |
| March 2022 | $276M | 257 | 6 | 4 |
| March 2021 | $233M | 239 | 5 | 2 |
Besides its headquarters, Sterneck Capital Management has 5 offices (5 private residences, listed without an address), with 1 listed address in Missouri.
Missouri · 1 listed address
- 1251 NW Briarcliff Pkwy, Ste 95, Kansas CityHQ
Contact and registration details
- Legal name
- Sterneck Capital Management LLC
- Headquarters
- 1251 NW Briarcliff Pkwy, Ste 95, Kansas City, MO 64116
- Website
- sterneckcapital.com
- Phone
- 816-531-2254
- @3812713
- SEC file
- 801-45256
- Founded
- 1989
- Structure
- Delaware LLC
- Fiscal year end
- December
Sterneck Capital Management uses Charles Schwab ($322M) as custodian for its separately managed accounts. Sterneck Capital Management has custody of $4.39M in client assets for 12 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $322M100%
At year end, Sterneck Capital Management’s separately managed accounts were mostly in funds (60%) and stocks (32%). Its reported 13F holdings for the quarter ended 30 June 2026 total $233M across 103 positions; the largest are Apple Inc. (10.2%), Invesco Exchange Traded FD T (9.5%) and SPDR Index Shs Fds (5.6%).
What the accounts hold
- Stocks32%
- Funds60%
- Registered funds54%
- Pooled vehicles6%
- Bonds3%
- U.S. government and agency bonds2%
- State and local bonds1%
- Cash4%
Filed values cover 99%. The neutral 1% gap has no reported category.
Reported 13F holdings
- $233M
- Reported 13F value
- 103
- Positions
- 53.9%
- In the 10 largest
- +4.8%
- Value vs. prior quarter
- Apple Inc.10.2%
- Invesco Exchange Traded FD T · S&P500 Eql Wgt9.5%
- SPDR Index Shs Fds · ST Port Mark ETF5.6%
- J P Morgan Exchange Traded F · JPMORGAN Diver5.5%
- J P Morgan Exchange Traded F · Div Rtn Int EQ5.2%
- SPDR Series Trust · ST Str PR Sp15003.9%
- American Centy ETF TR · US EQT ETF3.6%
- State Str SPDR S&P 500 ETF T · TR Unit3.5%
- Goldman Sachs ETF TR · Acces Treasury3.4%
- American Centy ETF TR · US Sml CP Valu3.3%
Together, the ten largest are 53.9% of reported value.
How many clients does Sterneck Capital Management have?
Sterneck Capital Management has 265 clients and manages $328 million for them, as of July 2026. They include 129 high-net-worth individuals, 120 individual clients and 8 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 7 July 2026
What services does Sterneck Capital Management offer?
Sterneck Capital Management provides financial planning, portfolio management for individuals and small businesses, publishing newsletters, educational seminars, business succession planning, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Sterneck Capital Management charge?
Sterneck Capital Management charges 0.40%–1.50% a year for its Management Fee. The fee is billed in arrears and is negotiable.
Which custodians does Sterneck Capital Management use?
Sterneck Capital Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $322M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 7 July 2026
How many financial advisors does Sterneck Capital Management have?
Sterneck Capital Management has 4 investment adviser representatives registered with state securities authorities, out of 5 employees, and 4 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 Sterneck Capital Management invest in?
At the end of its last fiscal year, Sterneck Capital Management’s separately managed accounts held 54% registered funds (mutual funds, ETFs, BDCs), 32% exchange-traded equities, 6% pooled vehicles (private funds and similar), 4% cash and equivalents, 2% U.S. government and agency bonds and 1% state and local bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Sterneck Capital Management?
Sterneck Capital Management’s direct owners are Frank Sterneck (50% to 75%) and Austin Drake (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 7 July 2026
How does Sterneck Capital Management get paid?
Sterneck Capital Management is paid through a percentage of assets under management, fixed fees and other compensation. 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 Sterneck Capital Management registered with the SEC?
Yes, Sterneck Capital Management has been registered with the SEC as an investment adviser since 20 December 1993. Its CRD number is 111463 and its SEC file number is 801-45256.
Source: Form ADV Part 1A, Item 1, filed 7 July 2026; IAPD firm record
How do I contact Sterneck Capital Management?
Sterneck Capital Management’s main office is at 1251 NW Briarcliff Pkwy, Ste 95, Kansas City, MO 64116. Its phone number is 816-531-2254. Its website is sterneckcapital.com.