Client Relationship Summary
August 2025
Stewardship Concepts Financial Services, LLC
Stewardship Concepts Financial Services, LLC is an investment adviser registered with the Securities and Exchange Commission. Investment advisory services and fees differ from brokerage services and fees, and we feel it is important for you to understand the differences. Investor.gov/CRS is a website providing free and simple tools to research firms and financial professionals, and which provides educational materials about investment advisers, broker-dealers, and investing.
We encourage you to ask us questions. We provide suggested questions to ask us throughout this Client Relationship Summary, set out from the main text through text boxes.
What Investment Services and Advice Can You Provide?
We offer investment advisory services to retail investors. We offer comprehensive financial and estate planning services, investment advisory and management services, and charitable planned gift consultation to its clients. We evaluate each client’s situation to gain an understanding of your current financial situation, your short- and long-term goals, and your risk tolerance. We use this information to recommend an investment portfolio specific to your investment objectives and needs.
We monitor client portfolios as part of an ongoing process with account reviews conducted at least annually. Reviews are also triggered by material market, economic or political events, or by changes in your financial situation (such as retirement, termination of employment, physical move, or inheritance).
We manage portfolios on a discretionary basis, which means we don’t need to call you before buying or selling securities in your account. We obtain this authorization through our signed advisory agreement with you. You can choose to restrict our ability to have full discretionary authority. In these instances, you make the ultimate investment decisions. We offer advice on different types of securities. Our minimum account size is $300,000, although this is negotiable.
For more detailed information about our services, please request a copy of our Form ADV, Part 2A brochure. Our brochure can also be found here: https://adviserinfo.sec.gov/firm/brochure/330611.
Questions to Ask Us:
Given my financial situation, should I choose an investment advisory service? Why or why not?
How will you choose investments to recommend to me?”
What is your relevant experience, including your licenses, education and other qualifications?
What do these qualifications mean?
What Fees Will I Pay?
We typically charge a fixed fee of $2,500 for more comprehensive financial planning and charitable gift consultations. We charge an hourly fee of $250 for planning related to specific topics. We charge a maximum of 1% annually for investment management services. We use a tiered fee schedule for our investment management services, which means when we manage more of your assets, we charge a lower annual percentage rate on those assets. Our fees are negotiable and determined at the discretion of the advisory representative you work with. When we charge an asset-based fee, the more assets we manage, the more you’ll pay in management fees. We therefore have a financial incentive for you to increase the assets we manage for you.
In addition to our advisory fees, you will pay fees charged by third parties for other services provided to you, including fees charged by your custodian/broker-dealer. Examples of costs you might pay include brokerage commissions, transaction fees, custodial fees, transfer taxes, wire transfer and electronic fund fees. Mutual funds and exchange-traded funds also charge internal management fees, which reduce the return of investments over time. We do not receive any portion of these charges; we are compensated only through our own advisory fees.
You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. Our Form ADV, Part 2A (Item 5 and Item 12) contains more detailed information about fees and costs.
Questions to Ask Us:
Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?
What Are Your Legal Obligations to Me When Acting As My Investment Adviser? How Else Does Your Firm Make Money and What Conflicts of Interest Do You Have?
When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Our primary conflict of interest is our receipt of asset-based fees. For example, if you asked us for a recommendation about paying down outstanding debt or making charitable contributions, versus keeping those funds in your account with us, we have a conflict of interest in making the recommendation because we earn more advisory fees when you keep more assets in your account.
The only direct revenue we receive is from the advisory fees you pay us. However, we have an incentive to recommend our clients use Charles Schwab because we receive other benefits, such as access to research, technology services, andseminars through our relationship with Charles Schwab.
Questions to Ask Us:
How might your conflicts of interest affect me, and how will you address them?
Form ADV, Part 2A contains detailed information about our conflicts of interest.
How Do Your Financial Professionals Make Money?
Our financial professionals receive variable compensation related to the number of clients served and total advisory fees generated. This creates a financial incentive to solicit and retain clients.
Do You or Your Financial Professionals Have Legal or Disciplinary History?
No. Visit Investor.gov/CRS for a free and simple search tool to research our firm and our financial professionals.
Questions to Ask Us:
As a financial professional, do you have any disciplinary history? For what type of conduct?
For more detailed information about our investment advisory services, or to request another copy of this Relationship Summary, please contact us at (509) 443-0845. You may also visit the SEC’s public disclosure website at www.adviserinfo.sec.gov.
Questions to Ask Us:
Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?