Financial Steward Associates, llc

Updated today

Find your advisor

Client assets under management

Clients

0% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

About

Financial Steward Associates, LLC provides comprehensive financial planning and limited-scope consulting to individual clients, including estate, tax, cashflow, charitable and wealth-transfer objectives. The firm’s Brochure discloses that, effective March 31, 2025, it no longer offers investment management and delivers written, goal-oriented financial plans with periodic updates.

The firm’s planning process is modular and goal-driven, relying on risk-tolerance questionnaires, Monte Carlo analysis, and modern portfolio theory to generate recommendations and to coordinate with clients’ other advisors (CPAs, estate attorneys, insurance brokers). Recommendations commonly address retirement accounts, taxable and trust accounts, insurance and risk management, and may include mutual funds, ETFs, REITs, BDCs and annuities; clients are under no obligation to implement the advice.

What distinguishes FSA from many peers is its operating model as a planning-only boutique: the Brochure reports no regulatory assets under management, no custody or discretionary authority, and a billing structure based on fixed or hourly planning engagements rather than percentage-of-AUM fees. The firm also discloses that its advisors are dually registered with LPL Financial and hold insurance licenses, and that implementation through LPL or insurance carriers may create potential conflicts of interest the firm seeks to disclose and manage.

Client services

Financial planning Consulting

Expertise

General retirement planning Charitable giving & philanthropy Cash flow / budgeting Tax strategies for small businesses

Fee options

Fixed

Fixed financial planning fees up to $10,000

Commissions

Commissions received by Investment Adviser Representatives through their roles as registered representatives of LPL Financial when clients purchase securities or insurance products; commissions vary and are paid to IARs, not to the firm

Project-based

$350/hour for financial planning and consulting services

Other

Fee-only: Fixed fees up to $10,000 for financial planning; Hourly fees $350/hour for financial planning and consulting services

Main office location

Financial Steward Associates, llc

1790 38 Th Street, Ste 101

Boulder CO 80301, United States

Number of offices

Most active in

Colorado

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

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.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 303-444-5440

Advisors at this firm

Marion S

CFP®, Series 63, Series 65

Boulder, CO

Financial Steward Associates, llc

Marion Steward is a CFP® professional with 29 years of industry experience. She is affiliated with Financial Steward Associates, LLC, where she has worked since 2001, and also maintains a long-term association with LPL Financial. Marion organizes educational seminars for the general public and oversees a scholarship program through her firm. Financial Steward Associates, LLC is an independent investment advisory firm serving clients with financial planning and consulting services.

General retirement planning Charitable giving & philanthropy Cash flow / budgeting Tax strategies for small businesses

Sidney S

CFP®, Series 63

Boulder, CO

Financial Steward Associates, llc

Sidney Smith is a CFP®-designated financial advisor with 4 years of industry experience. He is currently with Financial Steward Associates, LLC in Boulder, CO, and has prior experience at LPL Financial and Fidelity Investments. Financial Steward Associates, LLC is an independent investment advisory firm serving clients with financial planning and consulting services.

General retirement planning Charitable giving & philanthropy Cash flow / budgeting Tax strategies for small businesses

Heather W

CFP®, Series 63

Boulder, CO

Financial Steward Associates, llc

Heather Williams is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at LPL Financial in Boulder, CO. She has been with LPL Financial since 2013 and also provides financial planning and consulting services through her independent firm, Financial Steward Associates. In addition, she sells and services fixed annuities. LPL Financial offers advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm supports its advisors with in-house research and a range of investment models and tools, combining large-scale advisory operations with non-advisory product offerings such as insurance and annuities.

General retirement planning Charitable giving & philanthropy Cash flow / budgeting Tax strategies for small businesses

Not sure where to start?

We'll help you think it through – whether you ultimately need an advisor or not.

Call (201) 292-4557

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

Find the right match for you

Answer a few quick questions and we'll tailor results to your goals, so you can hire smarter.

Find your advisor

A smarter way to hire an advisor

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may—or may not—fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained

We review rigorously and transparently

Get to know your advisors' credentials, disciplinary history, specialization, client fit, and communication style. We're selective about who we recommend—and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction—we're here to make sure the relationship works for you—and if not, to navigate next steps with clarity.

Our ongoing support