Smart Stewardship Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$36,710,000
Clients
54
Advisors
1
of 1 employees
About
Smart Stewardship Advisors provides financial planning, coaching and wealth‑management advisory services to individuals, trusts, estates, charitable organizations and businesses, with a particular emphasis on donors and Christian ministries. The firm offers Smart Stewardship Coaching, advanced charitable and legacy planning, fiduciary reviews for retirement plans, and educational presentations and workshops for nonprofit audiences.
The firm’s work begins with a diagnostic analysis of clients’ balance sheet, assets, legal documents, tax returns, insurance and cash flows (a “BALTIC” gap analysis) and the delivery of stewardship goal and gap summaries to inform planning. For ongoing investment implementation it typically recommends unaffiliated third‑party portfolio managers that construct ETF‑based model portfolios and perform discretionary trading; the firm serves as a liaison, provides ongoing non‑discretionary advice, and distributes a quarterly e‑newsletter to support client education.
Compared with peers, the firm combines several uncommon features: it accepts commissions in its capacity as an insurance agent and receives referral fees, provides pension consulting and ERISA fiduciary reviews for plan clients, and primarily operates in a non‑discretionary advisory role rather than exercising investment discretion itself. It also relies more on fixed planning and coaching fees instead of a direct percentage‑of‑AUM advisory model, produces periodicals and workshops (services held by a minority of similar firms), and discloses that it receives a portion of management fees from recommended third‑party managers.
Client services
Expertise
Demographic focus
Fee options
Smart Stewardship Coaching fees range from $1,500 to $25,000 depending on service; Fiduciary Review fee $2,500 (negotiable); Financial planning fees start at $1,500 (negotiable)
$0 - $500,000: 1.75% $500,001 - $1,000,000: 1.40% $1,000,001 - $2,000,000: 0.85% $2,000,001 - $3,000,000: 0.60% $3,000,001+: 0.50%
Hourly charges, fixed fees, commissions as reported in SEC Part 1 and hourly consulting at $300/hour as stated in brochure
Situational planning or one-time consultations billed at $300/hour (negotiable)
Minimum fee: $60.00 minimum annual fee per investment account charged by Efficient or Asset Mark
Main office
Lake in the Hills IL
Advisors at this office
1
Most active in
Illinois
Also doing business as
Richard Andrew Vandersande · Smart Stewardship Advisors · Stewardship Solutions
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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
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