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Stewardship Concepts Financial Services LLC

Updated today

Client assets under management

$166,153,262

Clients

229

27% high-net worth

Advisors

4

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

57

Typical

Average account size

$725,560

About

Stewardship Concepts Financial Services, LLC (dba Stewardship Concepts) provides personal financial planning and discretionary investment management to individuals, families, trusts and estates, family businesses, corporations, and charitable organizations. The firm operates as a fee-only fiduciary and offers comprehensive planning, implementation of recommendations, and ongoing portfolio oversight.

Its investment approach emphasizes global diversification and strategic asset allocation with tactical adjustments, informed by both fundamental and technical analysis and, when appropriate, limited option strategies (covered writing and protective puts). Client objectives are documented in an Investment Policy Statement, discretionary trading authority is available, and accounts are reviewed at least annually or as circumstances change.

Several details in the brochure distinguish the firm from many peers: the advisory team includes multiple CFP® professionals and traces its advisory roots to 1998, and the firm reports managing approximately $174.6 million in client assets. The firm also discloses marketing practices that are uncommon among similar advisors — the use of client testimonials and endorsements in advertising — and the use of a paid lead vendor (SmartAsset) for prospective client referrals, while maintaining policies that avoid insurance commission arrangements.

Client services

Financial planning Portfolio management

Expertise

General retirement planning Income planning College savings (529s, UTMA, etc.) Business succession planning

Occupation focus

Founder/Business Owner Retired

Fee options

Fixed

$3,000 fixed fee for comprehensive financial planning

Percentage

$0 - $2,000,000: 1.0% $2,000,000 - $4,000,000: 0.8% $4,000,000 - $6,000,000: 0.6% $6,000,000+: 0.5%

Project-based

$300 per hour for additional financial planning services outside the original engagement

Other

Minimum fee: $750 per quarter minimum investment management fee Fee-only: Financial planning flat fee of $3,000; hourly financial planning rate of $300 per hour

Main office location

Stewardship Concepts Financial Services LLC

7307 N Division St Ste 205

Spokane WA 99208, United States

Number of offices

2

Most active in

California · Idaho · Montana · Texas · Washington

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Edwin H

CFP®, Series 63

Spokane, WA

Stewardship Concepts Financial Services LLC

Edwin Hill is a CFP® professional with 12 years of experience, currently serving at Stewardship Concepts Financial Services LLC since 2013. He holds the Series 63 designation and is based in Spokane, WA. Outside of his advisory role, Mr. Hill serves as Treasurer on the board of Big Table, a nonprofit supporting the hospitality industry, and is a member of the Spokane Chapter of the Financial Planning Association. Stewardship Concepts provides personal financial planning and discretionary investment management to individuals, families, trusts, family businesses, corporations, and charitable organizations. The firm operates as a fee-only fiduciary, emphasizing global diversification and strategic asset allocation with tactical adjustments guided by both fundamental and technical analysis.

General retirement planning Income planning College savings (529s, UTMA, etc.) Business succession planning Founder/Business Owner Retired
user avatar

Amy D

CFP®, Series 66

Spokane, WA

Stewardship Concepts Financial Services LLC

Amy Drury is a CFP® professional with 10 years of industry experience, currently serving at Stewardship Concepts Financial Services LLC since 2020. She previously worked at Numerica Credit Union and Cuso Financial Services, LP from 2014 to 2019. Drury serves as Treasurer for the Spokane Financial Planning Association, a nonprofit organization supporting the financial planning profession. Stewardship Concepts Financial Services, LLC provides personal financial planning and discretionary investment management to a diverse client base including individuals, families, trusts, estates, family businesses, corporations, and charitable organizations. The firm operates as a fee-only fiduciary with an investment approach focused on global diversification, strategic asset allocation, and tactical adjustments informed by fundamental and technical analysis.

General retirement planning Income planning College savings (529s, UTMA, etc.) Business succession planning Founder/Business Owner Retired
user avatar

Todd K

CFP®, Series 66

Spokane, WA

Stewardship Concepts Financial Services LLC

Todd Koyama is a CFP® and holds a Series 66 license with 16 years of industry experience. He is currently with Stewardship Concepts Financial Services LLC, joining the firm in 2025 after eight years at Selkirk Wealth Advisors, LLC and five years at LPL Financial LLC. Stewardship Concepts Financial Services, LLC provides personal financial planning and discretionary investment management to individuals, families, trusts, estates, family businesses, corporations, and charitable organizations. The firm operates as a fee-only fiduciary with an investment approach that emphasizes global diversification, strategic asset allocation, and tactical adjustments based on fundamental and technical analysis.

General retirement planning Income planning College savings (529s, UTMA, etc.) Business succession planning Founder/Business Owner Retired
user avatar

Noah S

CFP®, Series 65

Spokane, WA

Stewardship Concepts Financial Services LLC

Noah Schwab is a CFP® professional with six years of experience in financial advising, currently serving at Stewardship Concepts Financial Services LLC. Prior to joining Stewardship Concepts in 2020, he worked in various roles including positions at Washout Service Solution and Nerka Transport. He is a member of the Spokane Chapter of the Financial Planning Association. Stewardship Concepts Financial Services provides personal financial planning and discretionary investment management to a diverse client base including individuals, families, trusts, estates, family businesses, corporations, and charitable organizations. The firm operates as a fee-only fiduciary and employs a globally diversified, strategically allocated investment approach with tactical adjustments based on fundamental and technical analysis.

General retirement planning Income planning College savings (529s, UTMA, etc.) Business succession planning Founder/Business Owner Retired
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