Steward Advisors Group operates as a Registered Investment Adviser (RIA) under the regulations of the Securities and Exchange Commission (SEC). As such, our investment advisory and portfolio management services  are fee-based, not commission-based. 

Charging fees versus receiving commissions is like comparing how two contractors might bill for their time when they remodel your home. Most people would prefer to pay a contractor for completed tasks rather than a contractor who requires payment in full before they start to work. 

Similarly, paying a commission to a financial advisor is like paying a contractor 100% before they get out of their truck. A commission assumes the advisor will continue to work hard for you for as long as the investment lasts.  A fee-based advisor, on the other hand, is paid at the end of each quarter based on the work and performance completed each quarter. The fee is tied to performance. Steward Advisors Group operates on a fee basis because we believe this method better aligns the interests of the client and the advisor. Both are seeking a successful outcome, not just a transaction. Our purpose is to help you build a Life Plan and portfolio that aligns with your values, achieves eternal outcomes, and accomplishes your goals.

Our fees are structured so that Steward Advisors Group can be your trusted guide for many years and through many life changes, not just a help for  single transactions.

There are two different standards under which a financial advisor can operate:  the suitability standard or the fiduciary standard. The suitability standard means that the broker/agent/advisor is not required to disclose or minimize their conflicts of interest, including compensation. This means that an advisor could recommend an investment that is adequate, or suitable, but not necessarily in the client’s best interest.

The fiduciary standard, under which the Steward Advisors Group operates, legally requires our advisors to always recommend what is best for our clients, even if it means fewer dollars in compensation to the advisor. The fiduciary standard holds our advisors to a legal standard similar to that of a trustee of a trust, trustees of a not-for-profit, or board members of an organization, who each must act in the best interest of their organization or client. Failure to do so is illegal. For a complete disclosure of our fiduciary responsibilities and a listing of our  Investment Advisor Representatives (IARs) you can request a copy of our   Form ADV Part 2 which is filed with the Securities and Exchange Commission (SEC).

Filing and registration with the Securities and Exchange Commission does not imply a certain level of skill or training.

There are few RIAs that simultaneously integrate traditional and missional investments into a single portfolio so that Christian investors can achieve their personal investment goals AND achieve spiritual outcomes such as advancing the kingdom of heaven in unreached locations.  Seeking out, screening, transacting with, and monitoring investments that are achieving multiple bottom line objectives is more complex and time consuming than traditional portfolio management. 

Steward Advisors Group serves our clients by keeping fees to investors as low as possible even with the higher cost structure associated with private placement missional investments. An advantage of our three decades of industry experience and professional industry relationships is that we can keep traditional investment costs competitive by including ultra low-cost institutional share classes which are unavailable to many financial advisor firms. Doing this offsets the higher costs associated with cross-cultural missional investing.  

All Steward Advisor Group annual advisory fees are based on total assets under management (see table below). The quarterly calculation of advisory fees is based on an average daily balance throughout the quarterly cycle. Fees are billed in arrears for the 3 previous months.

Our annual fees for investment advisory services are as follows:
1.90% for assets up to $500,000
1.70% for assets of $500,001 to $1,000,000
1.40% for assets of $1,000,001 to $2,000,000
Fee for assets of $2,000,001 and above is negotiable.