Stone Steps Financial, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$146,585,773
Clients
138
38% high-net worth
Advisors
1
of 6 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
138
Very HighAverage account size
$1,062,216
About
Stone Steps Financial, LLC (dba NewLeaf Financial Guidance LLC) provides fee‑only financial planning and discretionary investment management to individual and high‑net‑worth clients, and also offers consulting services for employer‑sponsored retirement plans. The firm reports approximately $146.6 million in discretionary assets under management and states it adheres to a fiduciary standard and does not accept commissions.
The firm typically implements passive investment strategies by building portfolios of index mutual funds and ETFs and constructs client‑specific asset allocation targets through an Investment Policy Statement, with regular client meetings and quarterly reporting. Stone Steps manages accounts on a discretionary basis, allows client‑imposed restrictions, and may engage subadvisers or third‑party managers when a particular strategy or manager is appropriate.
Compared with many peers, Stone Steps maintains an unusually large physical footprint given its staffing level, operating multiple offices despite listing a single advisor for advisory oversight, which may reflect an emphasis on multiple client access points or service channels. The firm also offers multiple engagement formats (including hourly planning and comprehensive ongoing management), recommends Charles Schwab as its primary custodian, and discloses it may be deemed to have custody because it can access client login credentials.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Retirement income strategy
Income planning
Social Security optimization
College savings (529s, UTMA, etc.)
Occupation focus
Executive
Founder/Business Owner
Fee options
$0 - $1,000,000: 0.75% $1,000,001 - $5,000,000: 0.50% $5,000,001 - $10,000,000: 0.40% $10,000,001 - $20,000,000: 0.30% $20,000,001+: 0.20%
Financial planning hourly fee of $500.00, negotiable in certain cases.
Minimum fee: Minimum fee for combined investment management and financial planning services is $10,000 annually. Fee-only: Fee-only financial planning and investment advisory services; no commissions or sales charges accepted.
Main office location
Stone Steps Financial, LLC
533 Second Street, Suite 207
Encinitas CA 92024, United States
Number of offices
7
Most active in
Stone Steps Financial, LLC has reported serving >5 clients in these states in the last 12 months.
California · Minnesota · South Dakota · 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:
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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.
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