Advisor at Smart Stewardship Advisors
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
Smart Stewardship Advisors
Location
Lake In The Hills, IL
Credentials
Series 63, Series 65
Industry experience
20 years
Richard Vandersande is an independent financial advisor with Smart Stewardship Advisors, holding Series 63 and Series 65 licenses and over 20 years of industry experience. He has been associated with Efficient Capital Management, LLC since 2009 and has operated Smart Stewardship Advisors since 2005. Vandersande is also vice president of The Stewardship Alliance, LLC, which provides stewardship planning based on biblical principles. Smart Stewardship Advisors serves individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and businesses. The firm offers a structured coaching program for wealth and charitable estate planning, pension fiduciary reviews, and educational seminars, focusing on an analytical coaching process rather than direct portfolio management.
Based on Smart Stewardship Advisors
Based on Smart Stewardship Advisors
Smart Stewardship Coaching fees range from $1,500 to $25,000 depending on service; Fiduciary Review fee $2,500 (negotiable); Financial planning fees start at $1,500 (negotiable)
$0 - $500,000: 1.75% $500,001 - $1,000,000: 1.40% $1,000,001 - $2,000,000: 0.85% $2,000,001 - $3,000,000: 0.60% $3,000,001+: 0.50%
Hourly charges, fixed fees, commissions as reported in SEC Part 1 and hourly consulting at $300/hour as stated in brochure
Situational planning or one-time consultations billed at $300/hour (negotiable)
Minimum fee: $60.00 minimum annual fee per investment account charged by Efficient or Asset Mark
Lake In The Hills, IL
Illinois
Efficient Capital Management, Llc
2009 - Present (17 years)
Richard Andrew Vandersande dba Smart Stewardship Advisors
2005 - Present (21 years)
The Stewardship Alliance, Llc
2001 - Present (25 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
CFA®
Barrington, IL
Maple Street Capital Advisors, LLC
CFP®
Barrington, IL
Retirement Matters, Inc.
CFP®, Series 65
Barrington, IL
Balance Financial Services, Inc.
CFP®, Series 66
Elgin, IL
Monotelo Wealth Partners
Series 65
Hoffman Estates, IL
Castling Financial Planning, Ltd.
CFP®, Series 63
Lake Barrington, IL
Timothy J McDonald CPA CFP
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")