Stegent Equity Advisors Inc.

Stegent Equity Advisors provides personal financial planning and investment management for individuals, high‑net‑worth clients, closely held business owners, and charitable organizations. Services described in the brochure include income tax and retirement planning analyses, preparation of personal financial statements, and implementation and monitoring of investment plans either through in‑house management or by recommending unaffiliated independent managers.

The firm combines fundamental and technical analysis with a buy‑and‑hold orientation and uses asset‑allocation models with rebalancing that ranges from annual to monthly depending on account size and objectives. Most accounts are managed on a discretionary basis, and SEA conducts ongoing monitoring of account performance and of any independent managers it recommends, including review of expense ratios and allocation consistency with client goals.

Distinctive features noted in the brochure include an affiliation with a related public accounting firm and supervision of that firm’s personnel in preparing financial plans, and a principal who maintains professional accounting and planning credentials and continues to practice as a CPA (approximately 25% of his time). The brochure also discloses the firm’s use of independent managers that may place client assets into proprietary ETFs and describes how SEA monitors those relationships and highlights continuity benefits (such as disaster recovery planning) as part of its oversight.