Financial Steward Associates, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
Fee options
Fixed financial planning fees up to $10,000
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
$350/hour for financial planning and consulting services
Fee-only: Fixed fees up to $10,000 for financial planning; Hourly fees $350/hour for financial planning and consulting services
Main office
1790 38th Street, Ste 101
Boulder CO 80301
Advisors at this office
3
Most active in
Colorado
Also doing business as
All Seasons Advisory Services, LLC · Financial Steward Associates · Financial Steward Associates, LLC · Marion Paxson Steward · Marion Steward, Cfp
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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
Advisors at this firm
Marion S
CFP®, Series 63, Series 65
Boulder, CO
Financial Steward Associates, LLC
Marion Steward is a CFP® with 30 years of industry experience. She is a principal at Financial Steward Associates, LLC, where she has worked since 2001, and also maintains a long-term affiliation with LPL Financial. Steward is involved in educational activities including running a scholarship program and conducting fee-based public seminars on financial topics. Financial Steward Associates, LLC provides comprehensive financial planning and limited-scope consulting to individual clients, focusing on estate, tax, cash flow, charitable, and wealth-transfer objectives. The firm operates as a planning-only boutique, delivering written, goal-oriented financial plans without investment management or discretionary authority.
Sidney S
CFP®, Series 63
Boulder, CO
Financial Steward Associates, LLC
Sidney Smith is a CFP®-certified financial advisor with four years of industry experience, currently with Financial Steward Associates, LLC. He has previously worked at LPL Financial LLC and Fidelity Investments. Smith provides financial planning and consulting services through Financial Steward Associates, an independent firm where he also supports administrative activities. Financial Steward Associates delivers comprehensive, goal-oriented financial planning and limited-scope consulting for individual clients, focusing on areas such as estate, tax, cashflow, charitable, and wealth-transfer objectives. The firm operates as a planning-only boutique without discretionary authority or assets under management, offering fixed or hourly fee engagements.
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.
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