Stebnicki Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,851,589
Clients
3
33% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
3
Very LowAverage account size
$617,196
About
The firm provides fee-only financial planning and discretionary investment management to individuals (including high-net-worth clients) and small businesses. Financial planning is offered on an hourly basis and covers cash flow, retirement, tax, education, insurance, estate planning and stock option planning.
The advisory approach pairs tailored financial plans with discretionary portfolio management that emphasizes diversification, consideration of macroeconomic trends, and a lack of short-term trading; accounts and plans are reviewed quarterly and updated after significant life events. When advising on retirement accounts the firm operates as a fiduciary under ERISA/IRC standards and adheres to CFP Board ethical requirements.
Noteworthy aspects include a very small client roster (three clients) and about $1.85 million in discretionary AUM, a combination that differs from typical independent peers and can result in a highly individualized advisor–client relationship. The firm is strictly fee-only (no commissions or external compensation), uses a major institutional custodian, does not aggregate trades or vote client proxies, and does not impose an account minimum for investment management.
Client services
Financial planning
Portfolio management
Expertise
Stock option exercise strategy
Debt management
Cash flow / budgeting
General tax planning
Fee options
$0 - $500,000: 0.95% (95 basis points) $500,001 - $1,000,000: 0.85% (85 basis points) $1,000,001 - $2,000,000: 0.75% (75 basis points) $2,000,001+: 0.65% (65 basis points)
$250-$400 per hour depending on complexity and duration of the project
Fee-only: Financial planning services billed hourly at $250-$400 per hour
Main office location
Stebnicki Financial Planning
San Francisco CA, United States
Number of offices
1
Most active in
Stebnicki Financial Planning has reported serving >5 clients in these states in the last 12 months.
California
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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