{"url":"https://nivawealth.com/firms/stewart-and-associates-pllc-159486","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/159486","regulatoryAum":122347930,"crd":"159486","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5947577","suffix":null,"lastName":"SANTA CRUZ","firstName":"HANNAH","middleName":"LYNNE"},{"crd":"4656851","suffix":null,"lastName":"TRIPP","firstName":"JILL","middleName":"MARIE"}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"secFileNumber":"801-136368","legalName":"Stewart & Associates, PLLC","displayName":"Stewart & Associates, PLLC","slug":"stewart-and-associates-pllc-159486","website":"https://pathfinderplanmt.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Montana limited liability company","fiscalYearEnd":"December","headquarters":{"street":"27 Fort Missoula RD., Suite 1","city":"Missoula","state":"MT","stateName":"Montana","country":"United States","postalCode":"59804"},"tradeNames":[],"registration":{"secApproved":"27 May 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1565413.3717948718,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":122347930,"discretionary":122347930,"discretionaryAccounts":375,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":18,"regulatoryAum":8651886},{"label":"High-net-worth individuals","clients":60,"regulatoryAum":113450357},{"label":"Charitable organizations","clients":1,"regulatoryAum":245687}],"feePrograms":[{"role":"main","program":"Wealth Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055635","versionId":1055635,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-08-21","documentName":"ADV PART 2A","fee_rate_low":0.4,"fee_rate_high":0.85,"fee_negotiable":true,"minimum_account":500000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Project-Based Financial Planning","summary":"Project-based financial planning is billed at an hourly fee of $300; fees are negotiable and due on completion of the services.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055635","versionId":1055635,"submittedOn":"2026-08-21","documentName":"ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:25:45.347856+00:00","documents":[{"name":"ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055635","versionId":1055635,"submittedOn":"2026-08-21"}]},"custodians":[{"name":"Altruist Financial LLC","shortName":"Altruist","location":"Dallas, TX","smaAssets":120154919}],"custodyNote":"Stewart & Associates, PLLC does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Jill Tripp","title":"Owner, Chief Compliance Officer, and Managing Member","crd":"4656851"}],"ownership":[{"label":"Jill Tripp","detail":"Owner, chief compliance officer, and managing member in the 75% or more ownership band and a control person, since March 2026."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Montana","offices":1,"addresses":[{"street":"27 Fort Missoula RD., Suite 1","city":"Missoula","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"406-541-3733","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Educational seminars/workshops"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":41},{"label":"Securities issued by registered investment companies or business development companies","percent":56},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"21 August 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/159486/PDF/159486.pdf","brochureDate":"21 August 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055635","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Stewart & Associates, PLLC have?","answer":"Stewart & Associates, PLLC has 79 clients and manages $122 million for them, as of August 2026. They include 60 high-net-worth individuals, 18 individual clients and 1 charitable organization.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 21 August 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Stewart & Associates, PLLC offer?","answer":"Stewart & Associates, PLLC provides financial planning, portfolio management for individuals and small businesses, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Stewart & Associates, PLLC charge?","answer":"Stewart & Associates, PLLC charges 0.40%–0.85% a year for its Wealth Management Services. The fee is billed in arrears, is negotiable and requires an account of at least $500,000.","source":"ADV PART 2A, filed 21 August 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Stewart & Associates, PLLC use?","answer":"Stewart & Associates, PLLC’s separately managed account assets are held at Altruist Financial LLC (Dallas, TX), with $120M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 21 August 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Stewart & Associates, PLLC have?","answer":"Stewart & Associates, PLLC has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Stewart & Associates, PLLC invest in?","answer":"At the end of its last fiscal year, Stewart & Associates, PLLC’s separately managed accounts held 56% registered funds (mutual funds, ETFs, BDCs), 41% exchange-traded equities and 3% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Does Stewart & Associates, PLLC have a minimum investment?","answer":"Yes, Stewart & Associates, PLLC’s minimum account size for its Wealth Management Services is $500K.","source":"ADV PART 2A, filed 21 August 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Stewart & Associates, PLLC?","answer":"Stewart & Associates, PLLC’s direct owner is Jill Tripp (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 21 August 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Stewart & Associates, PLLC get paid?","answer":"Stewart & Associates, PLLC 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Stewart & Associates, PLLC?","answer":"Stewart & Associates, PLLC’s main office is at 27 Fort Missoula RD., Suite 1, Missoula, MT 59804. Its phone number is 406-541-3733. Its website is pathfinderplanmt.com.","source":"Form ADV Part 1A, Item 1.F, filed 21 August 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}