# Smart Steps Wealth Management LLC

> Smart Steps Wealth Management LLC is a state-registered investment advisory firm in St. Louis, MO, registered since 2025, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated September 16, 2026.

- CRD: 330411
- Filed as: SMART STEPS WEALTH MANAGEMENT LLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: St. Louis, MO
- Filing period: October 2026
- Form ADV filing dated: September 16, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/330411
- AdvisorCensus page: https://advisorcensus.com/firm/smart-steps-wealth-management-llc-st-louis-mo-330411

## Quick answers

**How is Smart Steps Wealth Management LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Smart Steps Wealth Management LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**Where is Smart Steps Wealth Management LLC located?**
Smart Steps Wealth Management LLC's principal office is in St. Louis, MO, according to its Form ADV; the July 2025 filing also lists 5 other offices (Schedule D, Section 1.F).

**Is Smart Steps Wealth Management LLC registered with the SEC or a state?**
Smart Steps Wealth Management LLC is a state-registered investment advisory firm, registered since 2025. Status as filed: APPROVED. CRD 330411.

**How much does Smart Steps Wealth Management LLC manage?**
Smart Steps Wealth Management LLC reports $81,542,871 in regulatory assets under management in its Form ADV filing dated September 16, 2026 (100% discretionary).

**How have Smart Steps Wealth Management LLC's assets and staff changed since 2024?**
In the Form ADV data for Smart Steps Wealth Management LLC: Regulatory assets under management: $55,044,519 in the October 2024 data and $81,542,871 in the October 2026 data, up 48%. Total employees: 1 in October 2024 and 1 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Smart Steps Wealth Management LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (260); high net worth individuals (18).

**Does Smart Steps Wealth Management LLC report any disciplinary disclosures?**
Reports 2 disclosure items on Form ADV Item 11: yes answers to 11.D(2) (another regulator's finding of a violation) and 11.D(4) (another regulator's order in the past ten years). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/330411

**What changed in Smart Steps Wealth Management LLC's recent Form ADV filings?**
In the October 2026 filing data: Item 11 disclosure answers changed: 2 yes answers, previously 0 (now yes: 11.D(2), 11.D(4)).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Regulatory assets under management (Item 5.F)
- Total: $81,542,871
- Discretionary: $81,542,871
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 260 | $41,882,436 |
| High net worth individuals | 18 | $36,386,858 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $779,319 |
| Charitable organizations | Fewer than 5 | $2,494,258 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services

### Firm details
- Registered since: 2025 (1 year)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, MO
- Disclosures (Item 11): Reports 2 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.D(2): Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?
- 11.D(4): In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/330411

### Other offices (Schedule D, Section 1.F), as of the July 2025 filing
- Boca Raton, FL
- Columbia, MO
- Jacksonville, FL
- Kansas City, MO
- Springfield, MO

### Websites listed on Form ADV (Item 1.I)
- smartstepswealth.com
- LinkedIn @JOE-DARPEL

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2024 | $55,044,519 | 1 | September 23, 2024 |
| October 2026 | $81,542,871 | 1 | September 16, 2026 |

Regulatory assets under management: $55,044,519 in the October 2024 data and $81,542,871 in the October 2026 data, up 48%.
Total employees: 1 in October 2024 and 1 in October 2026.

## Changes in the filing (last 12 months)

### October 2026
- Item 11 disclosure answers changed: 2 yes answers, previously 0 (now yes: 11.D(2), 11.D(4)).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Smart Steps Wealth Management LLC (CRD 330411): Form ADV filing data as of October 2026.