R
Richard A. Stebbins CPA CFP CMFC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$12,300,000
Total clients
20
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
20
Average account size
$615,000
About
Richard A. Stebbins CPA, CFP, CMFC provides discretionary investment management to individual clients and trusts, managing about $12.3 million across 20 client accounts. The firm also offers separate tax-planning and review work and limited-scope hourly planning, but does not provide comprehensive financial planning or sign clients’ tax returns.
Portfolios are constructed with a focus on income and indexed equity exposure, using preferred stocks, closed-end funds, master limited partnerships, index ETFs and occasional covered-call option writing, with asset allocation set according to each client’s stated objectives and drawdown tolerance. All trading is conducted through Charles Schwab, with block executions and routine use of limit orders; the advisor reviews and allocates trades and exercises discretionary authority for account management.
The firm is a one-advisor practice led by a CFP with a CPA background who indicates he is not an active licensed public accountant, and it maintains a deliberately small and selective client roster — the advisor is not accepting new clients except relatives of current clients. Clients should note the firm forwards proxy materials rather than voting securities on their behalf and does not produce separate performance reports, relying instead on custodian statements for account records.
Client services
Portfolio management
Expertise
Passive / index investing
Fee options
$0 - $500,000: 0.90% per year $500,001 - $1,250,000: 0.75% per year $1,250,001+: 0.50% per year
Hourly planning engagements charged between $150 and $200 per hour
Account minimum: $800 minimum annual fee regardless of account balance (minimum fee for accounts under management) Minimum fee: $800 per year minimum fee for accounts under full management Fee-only: Firm is strictly fee-only, no commissions or other compensation accepted.
Main office location
Richard A. Stebbins CPA CFP CMFC
The Villages FL, United States
Number of offices
1
Most active in
Richard A. Stebbins CPA CFP CMFC has reported serving >5 clients in these states in the last 12 months.
Michigan · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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
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")