Stewardship Concepts Financial Services provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 101–250 clients last fiscal year.
Stewardship Concepts Financial Services reports 247 clients. They include 167 individual clients, 62 high-net-worth individuals, and 18 pension and profit-sharing plans. Of its assets, 95.3% ($166M across 699 accounts) are managed with discretion; $8.2M across 193 accounts are not. It advised 11 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 68% | 32% |
| High-net-worth individuals | 25% | 63% |
| Pension and profit-sharing plans | 7% | 5% |
| Charitable organizations | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 167 | $55.7M | 31.9% | $333K |
| High-net-worth individuals | 62 | $110M | 63.3% | $1.78M |
| Pension and profit-sharing plans | 18 | $8.2M | 4.7% | $455K |
| Charitable organizations | Fewer than 5 | $271K | 0.2% | — |
| Total | 247 | $175M | 100% | — |
- Clients
- 167
- Regulatory AUM
- $55.7M
- AUM share
- 31.9%
- Avg. per client
- $333K
- Clients
- 62
- Regulatory AUM
- $110M
- AUM share
- 63.3%
- Avg. per client
- $1.78M
- Clients
- 18
- Regulatory AUM
- $8.2M
- AUM share
- 4.7%
- Avg. per client
- $455K
- Clients
- Fewer than 5
- Regulatory AUM
- $271K
- AUM share
- 0.2%
- Avg. per client
- —
Total
- Clients
- 247
- Regulatory AUM
- $175M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 11
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Stewardship Concepts Financial Services charges 0.50%–1.00% a year for its Investment management fees. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $3,000 annual minimum. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$2M | 1.00% |
| $2M–$4M | 0.80% |
| $4M–$6M | 0.60% |
| $6M and above | 0.50% |
Fee details and sources
Other fees
- Financial planning
- Comprehensive financial planning is a flat fee of $3,000; planning updates after the 12-month engagement are $300 an hour.
SCFS LLC owns 75% or more of Stewardship Concepts Financial Services and is in turn owned by Amy Drury (25–50%). It has 4 employees.
Staff
- 4 employees
- 4 in advisory functions
- 4 state-registered reps
- Owns 75% or more of Stewardship Concepts Financial Services LLC
SCFS LLC
Control person · since May 2024
- Owns 25% to 50% of SCFS LLC
Amy Drury
Control person · since April 2024
- Owns 5% to 10% of Stewardship Concepts Financial Services LLC
Noah Schwab
Control person · since May 2024
Besides its headquarters, Stewardship Concepts Financial Services has 1 office, with 2 listed addresses in 1 state.
Washington · 2 listed addresses
- 7307 N Division St Ste 205, SpokaneHQ
- 202 E Spokane Falls BLVD, Spokane
Other business names
Stewardship Concepts Financial Services has reported 2 other business names to the SEC.
- Little Mountain Financial Services LLC
- Stewardship Concepts
Contact and registration details
- Legal name
- Stewardship Concepts Financial Services LLC
- Headquarters
- 7307 N Division St Ste 205, Spokane, WA 99208
- Website
- scfinancials.com
- Phone
- 509-443-0845
- @89975908
- SEC file
- 801-134171
- Structure
- Washington LLC
- Fiscal year end
- December
Stewardship Concepts Financial Services’ named custodians for separately managed accounts are Charles Schwab ($167M, 95%) and Capital Client Group ($7.92M, 5%). Stewardship Concepts Financial Services has custody of $1.96M for 114 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $167M95%
- Capital Client GroupCapital Client Group, Inc. · Los Angeles, CA · $7.92M5%
At year end, Stewardship Concepts Financial Services’ separately managed accounts were mostly in funds (85%). Its reported 13F holdings for the quarter ended 30 June 2026 total $149M across 70 positions; the largest are Capital Group Dividend Value (6.9%), First TR Exchange Traded FD (6.6%) and Schwab Strategic TR (6.5%).
What the accounts hold
- Stocks6%
- Funds85%
- Bonds6%
- Investment grade corporate bonds5%
- U.S. government and agency bonds1%
- Cash3%
How many clients does Stewardship Concepts Financial Services have?
Stewardship Concepts Financial Services has 247 clients and manages $175 million for them, as of January 2026. They include 167 individual clients, 62 high-net-worth individuals, and 18 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 20 January 2026
What services does Stewardship Concepts Financial Services offer?
Stewardship Concepts Financial Services 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 Stewardship Concepts Financial Services charge?
Stewardship Concepts Financial Services charges 0.50%–1.00% a year for its Investment management fees. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $3,000 annual minimum.
Which custodians does Stewardship Concepts Financial Services use?
Stewardship Concepts Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $167M and Capital Client Group, Inc. (Los Angeles, CA), with $7.92M. 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 January 2026
How many financial advisors does Stewardship Concepts Financial Services have?
Stewardship Concepts Financial Services has 4 investment adviser representatives registered with state securities authorities, out of 4 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 Stewardship Concepts Financial Services invest in?
At the end of its last fiscal year, Stewardship Concepts Financial Services’ separately managed accounts held 85% registered funds (mutual funds, ETFs, BDCs), 6% exchange-traded equities, 5% investment grade corporate bonds, 3% cash and equivalents and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Stewardship Concepts Financial Services?
Stewardship Concepts Financial Services is owned through a holding company by Amy Drury. Its direct owners are Noah Schwab (5% to 10%) and SCFS LLC (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 20 January 2026
How does Stewardship Concepts Financial Services get paid?
Stewardship Concepts Financial Services 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 Stewardship Concepts Financial Services?
Stewardship Concepts Financial Services’ main office is at 7307 N Division St Ste 205, Spokane, WA 99208. Its phone number is 509-443-0845. Its website is scfinancials.com.
