# Stephen Smith Financial Inc.

> Stephen Smith Financial Inc. is an SEC-registered investment advisory firm in Schaumburg, IL, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated July 8, 2026.

- CRD: 339402
- Filed as: STEPHEN SMITH FINANCIAL INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Schaumburg, IL
- Filing period: October 2026
- Form ADV filing dated: July 8, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/339402
- AdvisorCensus page: https://advisorcensus.com/firm/stephen-smith-financial-inc-schaumburg-il-339402

## Quick answers

**How is Stephen Smith Financial Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Stephen Smith Financial Inc. reports these compensation arrangements: a percentage of assets under its management.

**How much does Stephen Smith Financial Inc. charge?**
Its Form ADV Part 2A brochure dated July 8, 2026 states: Asset-based fee: up to 1.5% of assets a year (the maximum the brochure states). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Stephen Smith Financial Inc. located?**
Stephen Smith Financial Inc.'s principal office is in Schaumburg, IL, according to its Form ADV.

**Is Stephen Smith Financial Inc. registered with the SEC or a state?**
Stephen Smith Financial Inc. is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 339402.

**How much does Stephen Smith Financial Inc. manage?**
Stephen Smith Financial Inc. reports $129,000,000 in regulatory assets under management in its Form ADV filing dated July 8, 2026 (100% discretionary).

**What types of clients does Stephen Smith Financial Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (160).

**Which custodians does Stephen Smith Financial Inc. use?**
Stephen Smith Financial Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Stephen Smith Financial Inc. report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/339402

**Does Stephen Smith Financial Inc. state an account minimum?**
Its Form ADV Part 2A brochure dated July 8, 2026 says: "There is a $500,000 minimum account size to open and maintain an advisory account."

**What changed in Stephen Smith Financial Inc.'s recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $0 to $129,000,000. Employees performing advisory functions went from 3 to 2. Registered or notice-filed in TX.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Fees and minimums (Form ADV Part 2A brochure dated July 8, 2026)

- Asset-based fee: up to 1.5% of assets a year (the maximum the brochure states)

> Annual fees are a maximum of 1.50%. Consulting services are included in these fees for asset management services.

> Total Account Value Maximum Annual Advisory Fee All Account Values 1.50%

- Account minimum: $500,000

> There is a $500,000 minimum account size to open and maintain an advisory account.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $129,000,000
- Discretionary: $129,000,000
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 160 | $129,000,000 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)
- Educational seminars/workshops

### Firm details
- Registered since: 2025 (0 years)
- Employees: 4 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: IL, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- stephensmithfinancial.com
- YouTube @stephensmithSSF

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $0 to $129,000,000.
- Employees performing advisory functions went from 3 to 2.
- Registered or notice-filed in TX.

### January 2026
- Newly registered with the SEC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Stephen Smith Financial Inc. (CRD 339402): Form ADV filing data as of October 2026.