Spalding, Steven
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides financial planning and consulting services to individuals, retirement and benefit plans, trusts, business entities and high‑net‑worth clients, and conducts occasional educational seminars and publications. Plans commonly cover investments, insurance, tax and estate recommendations; implementation of plan recommendations is left to the client.
Its investment analysis combines fundamental and trend analysis with sector and macroeconomic views, and recommendations may include sector‑specific positions that can produce concentrated exposures versus a sector‑neutral approach. The adviser does not maintain custody of client assets or exercise discretionary trading authority, delivering non‑discretionary advice while clients and custodians handle execution and proxy voting.
Unlike many investment managers, the firm typically bills planning and consulting on an hourly or flat‑fee basis rather than relying primarily on percentage‑of‑assets or performance‑based fees. The principal’s background in data science and operation of a separate marketing and business‑strategy firm, as well as occasional recommendations of affiliated limited partnerships or funds when suitable, are noteworthy differences from many peers.
Client services
Expertise
Fee options
Generally range from $2,000 to $20,000, may be lower at advisor's discretion
Starting at $150 per hour for planning and consulting services
Account minimum: $3,000 for consulting services; no minimum for financial planning services Fee-only: Hourly fees begin at $150/hour; Flat fees generally range from $2,000 to $20,000, may be lower at advisor's discretion; Consulting fees may occasionally be calculated as a percentage of assets
Main office
Palm Beach Gardens FL
Advisors at this office
1
Most active in
Florida
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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)