S&A Financial Services, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$349,377,181
Clients
1,160
Advisors
4
across 2 offices
About
S&A Financial Services, Inc. provides investment advisory and management, financial planning, and pension consulting to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and businesses. The firm delivers client-specific Investment Policy Statements and ongoing portfolio monitoring as part of its discretionary portfolio management services.
S&A combines fundamental and technical analysis and uses both long- and short-term trading strategies to implement client plans, with account reviews at least quarterly and regular reporting to clients. The firm executes trades through recommended custodians (Charles Schwab, Fidelity, and TIAA) and operates under written client authorizations that permit fee deductions and discretionary trading within client guidelines.
The firm is notable for its high client load — roughly 1,160 clients across four advisors, or about 290 clients per advisor — a ratio that is substantially higher than most team advisors and indicates each advisor manages a large number of ongoing relationships. S&A also manages all assets in-house rather than using third‑party sub‑advisors and includes pension consulting among its services, distinguishing its service mix from many peers.
Client services
Expertise
Occupation focus
Fee options
Fixed fees for ongoing financial planning services (negotiable, billed quarterly in arrears)
$0 - $500,000: 0.30% quarterly $500,001 - $1,000,000: 0.25% quarterly $1,000,001+: 0.22% quarterly
$150 per hour for project-oriented financial planning services (negotiable)
Account minimum: $100,000 (may be waived) Fee-only: Fixed fees for ongoing financial planning services (negotiable, billed quarterly in arrears); hourly fees for project-based financial planning services at $150/hour (negotiable)
Main office
See office8655 College Blvd., Suite 100
Overland Park KS 66210-1835
Advisors at this office
3
Offices (2)
Most active in
Arizona · California · Colorado · Georgia · Kansas · Missouri · Nebraska · New Hampshire · New Jersey · Oklahoma · Texas · Virginia · Wisconsin
Also doing business as
Richards Financial Services · S&A Financial Services, Inc. · Shepard & Associates Financial Services, Inc. · Shepard & Associates Inc
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.
Quick links
Advisors at this firm
Grant H
Series 65
Scott City, KS
S&A Financial Services, Inc.
Grant Huck is a Series 65 licensed advisor with four years of industry experience. He has worked at S&A Financial Services, Inc. since 2022 and previously held roles at Landmark National Bank and Western State Bank. S&A Financial Services, Inc. provides investment advisory, financial planning, and pension consulting services to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and businesses. The firm combines fundamental and technical analysis with both long- and short-term trading strategies and manages all assets in-house while serving a high volume of clients.
Frank S
Series 63
Overland Park, KS
S&A Financial Services, Inc.
Frank Shepard is a financial advisor at S&A Financial Services, Inc. in Overland Park, KS, with 48 years of industry experience. He has held a Series 63 designation and worked at Cambridge Investment Research, Inc. from 1998 to 2017. Outside of his advisory role, he is a partner in a non-investment related business property venture. S&A Financial Services provides investment advisory, portfolio management, financial planning, and pension consulting to individuals, pension and profit-sharing plans, charitable organizations, and businesses. The firm emphasizes tailored investment strategies and maintains a high client-to-advisor ratio within its four-advisor team.
Gregory S
Series 63, Series 65
Overland Park, KS
S&A Financial Services, Inc.
Gregory Shepard is a financial advisor at S&A Financial Services, Inc. with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cambridge Investment Research advisors, Inc. and Cambridge Investment Research Inc. prior to his current role. S&A Financial Services provides investment advisory, portfolio management, financial planning, and pension consulting to individuals, pension plans, charitable organizations, and businesses. The firm employs both fundamental and technical analysis with discretionary portfolio management and emphasizes tailored recommendations based on each client's Investment Policy Statement.
Craig R
Series 63, Series 66
Overland Park, KS
S&A Financial Services, Inc.
Craig Richards is a financial advisor with S&A Financial Services, Inc. in Scott City, KS, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has worked at S&A Financial Services since 2009 and previously at Cambridge Investment Research, Inc. from 2005 to 2017. Richards serves as a city councilman in Scott City, dedicating several hours monthly to this role. S&A Financial Services provides investment advisory and portfolio management, financial planning, and pension consulting to individuals, pension and profit-sharing plans, charitable organizations, and businesses. The firm offers tailored investment strategies and financial planning services with discretionary portfolio management and regular client reporting.
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