{"url":"https://nivawealth.com/firms/stone-steps-financial-175289","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/175289","regulatoryAum":146585773,"crd":"175289","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5716708","suffix":null,"lastName":"BRENNAN","firstName":"MARY","middleName":"ELLEN"},{"crd":"5408098","suffix":null,"lastName":"FRANK","firstName":"SCOTT","middleName":"ROBERT"},{"crd":"7558840","suffix":null,"lastName":"Liu","firstName":"Guo","middleName":"Wei"},{"crd":"5345196","suffix":null,"lastName":"MADSEN","firstName":"ANTON","middleName":"FAWVER"}],"total":4,"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"},"history":[{"filedOn":"2025-03-12","regulatoryAum":105420190,"clients":91,"employees":4,"offices":1},{"filedOn":"2026-03-24","regulatoryAum":146585773,"clients":138,"employees":6,"offices":7}],"secFileNumber":"801-131412","legalName":"Stone Steps Financial, LLC","displayName":"Stone Steps Financial","slug":"stone-steps-financial-175289","website":"https://stonestepsfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/175289/af8cfb6d75279369-r1.webp","tone":"light","width":1106,"height":200,"sourceUrl":"https://www.stonestepsfinancial.com/","sourceLabel":"Stone Steps Financial, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/6423161/","founded":null,"organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"533 Second Street, Suite 207","city":"Encinitas","state":"CA","stateName":"California","country":"United States","postalCode":"92024"},"tradeNames":["New Leaf Financial Guidance"],"registration":{"secApproved":"4 November 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consulting","summary":"Plan consulting is a blended fee on plan assets: 0.75% on the first $1,000,000 down to 0.20% above $20,000,000, negotiable, paid quarterly in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024833","versionId":1024833,"submittedOn":"2026-03-24","documentName":"FORM ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T15:09:24.544567+00:00","documents":[{"name":"FORM ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024833","versionId":1024833,"submittedOn":"2026-03-24"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Omaha, NE","smaAssets":146585773}],"custodyNote":"Stone Steps Financial has custody of $6.12M in client assets for 13 clients.","otherCustodians":[],"leadership":[{"name":"Kingston Hollman","title":"Chief Compliance Officer","crd":"5563826"},{"name":"Scott Frank","title":"Managing Member","crd":"5408098"}],"ownership":[{"label":"Scott Frank","detail":"Managing member in the 75% or more ownership band and a control person, since March 2015."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":6,"privateResidences":2},"listedOfficeAddresses":5,"foreignOffices":[],"officesByState":[{"state":"California","offices":3,"addresses":[{"street":"533 Second Street, Suite 207","city":"Encinitas","headquarters":true},{"street":"1493 E Gem Circle","city":"Palm Springs"},{"street":"3925 Plateau Place","city":"Carlsbad"}]},{"state":"Minnesota","offices":1,"addresses":[{"street":"500 North Lincoln Street","city":"Redwood Falls"}]},{"state":"Montana","offices":1,"addresses":[{"street":"97 Ridgeline Lane","city":"Bozeman"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 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They include 86 individual clients and 52 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 24 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Stone Steps Financial offer?","answer":"Stone Steps Financial provides financial planning, portfolio management for individuals and small businesses, and pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Stone Steps Financial use?","answer":"Stone Steps Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Omaha, NE), with $147M. 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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Stone Steps Financial have?","answer":"Stone Steps Financial has 4 investment adviser representatives registered with state securities authorities, out of 6 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Stone Steps Financial invest in?","answer":"At the end of its last fiscal year, Stone Steps Financial’s separately managed accounts held 72% registered funds (mutual funds, ETFs, BDCs), 27% exchange-traded equities and 1% 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":"Who owns Stone Steps Financial?","answer":"Stone Steps Financial’s direct owner is Scott Frank (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 24 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Stone Steps Financial get paid?","answer":"Stone Steps Financial 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 Stone Steps Financial?","answer":"Stone Steps Financial’s main office is at 533 Second Street, Suite 207, Encinitas, CA 92024. Its phone number is 760-456-7147. Its website is stonestepsfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 24 March 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."}