Description of Advisory Firm
Stevens Capital Partners, Inc (“SCP”) is registered as an Investment Adviser with the SEC, domiciled in the State of
Nebraska. We were founded in October 2021. David Stevens is the principal owner of SCP. The firm currently
reports $302,663,129 in Discretionary Assets Under Management (“AUM”) and $0 in Non-Discretionary AUM.
AUM were calculated as of April 1, 2024.
Types of Advisory Services
Investment Management Services (SCP manages accounts)
We are in the business of managing individually tailored investment portfolios. Our firm provides continuous advice
to a Client regarding the investment of Client funds based on the individual needs of the Client. Through personal
discussions in which goals and objectives based on a Client's particular circumstances are established, we develop a
Client's personal investment policy or an investment plan with an asset allocation target and create and manage a
portfolio based on that policy and allocation targets. We will also review and discuss a Client’s prior investment
history, as well as family composition and background.
Account supervision is guided by the stated objectives of the Client (e.g., maximum capital appreciation, growth,
income, or growth, and income), as well as tax considerations. Clients may impose reasonable restrictions on investing
in certain securities, types of securities, or industry sectors. Fees pertaining to this service are outlined in Item 5 of this
brochure.
Use of Third-Party Managers, Outside Managers, or Sub-Advisors (TAMPs)
We offer the use of Third-Party Managers, Outside Managers, or Sub-Advisors (TAMPs) for portfolio management
services. We assist Clients in selecting an appropriate allocation model, completing the Outside Manager’s investor
profile questionnaire, interacting with the Outside Manager and reviewing the Outside Manager. Our review process
and analysis of outside managers is further discussed in Item 8 of this Form ADV Part 2A. Additionally, we will meet
with the Client on a periodic basis to discuss changes in their personal or financial situation, suitability, and any new
or revised restrictions to be applied to the account. Fees pertaining to this service are outlined in Item 5 of this
brochure.
Financial Planning Services
We provide project based financial planning services on topics such as retirement planning, risk management, college
savings, cash flow, debt management, work benefits, and estate and incapacity planning.
Financial planning involves an evaluation of a Client's current and future financial state by using currently known
variables to predict future cash flows, asset values, and withdrawal plans. The key defining aspect of financial
planning is that through the financial planning process, all questions, information, and analysis will be considered as
they affect and are affected by the entire financial and life situation of the Client. Clients purchasing this service will
receive a written or an electronic report, providing the Client with a detailed financial plan designed to achieve his or
her stated financial goals and objectives.
In general, the financial plan will address any or all of the following areas of concern. The Client and advisor will work
together to select specific areas to cover. These areas may include, but are not limited to, the following:
● Business Planning: We provide consulting services for Clients who currently operate their own business, are
considering starting a business, or are planning for an exit from their current business. Under this type of
engagement, we work with you to assess your current situation, identify your objectives, and develop a plan
aimed at achieving your goals.
● Cash Flow and Debt Management: We will conduct a review of your income and expenses to determine your
current surplus or deficit along with advice on prioritizing how any surplus should be used or how to reduce
expenses if they exceed your income. Advice may also be provided on which debts to pay off first based on
factors such as the interest rate of the debt and any income tax ramifications. We may also recommend what
we believe to be an appropriate cash reserve that should be considered for emergencies and other financial
goals, along with a review of accounts (such as money market funds) for such reserves, plus strategies to save
desired amounts.
● College Savings: Includes projecting the amount that will be needed to achieve college or other
postsecondary education funding goals, along with advice on ways for you to save the desired amount.
Recommendations as to savings strategies are included, and, if needed, we will review your financial
picture as it relates
to eligibility for financial aid or the best way to contribute to grandchildren (if
appropriate).
● Employee Benefits Optimization: We will provide review and analysis as to whether you, as an employee,
are taking the maximum advantage possible of your employee benefits. If you are a business owner, we will
consider and/or recommend the various benefit programs that can be structured to meet both business
and personal retirement goals.
● Estate Planning: This usually includes an analysis of your exposure to estate taxes and your current estate
plan, which may include whether you have a will, powers of attorney, trusts, and other related documents.
Our advice also typically includes ways for you to minimize or avoid future estate taxes by implementing
appropriate estate planning strategies such as the use of applicable trusts. We always recommend that you
consult with a qualified attorney when you initiate, update, or complete estate planning activities. We may
provide you with contact information for attorneys who specialize in estate planning when you wish to hire
an attorney for such purposes. From time-to-time, we will participate in meetings or phone calls between you
and your attorney with your approval or request.
● Financial Goals: We will help Clients identify financial goals and develop a plan to reach them. We will
identify what you plan to accomplish, what resources you will need to make it happen, how much time you
will need to reach the goal, and how much you should budget for your goal.
● Insurance: Review of existing policies to ensure proper coverage for life, health, disability, long-term
care, liability, home, and automobile.
● Investment Analysis: This may involve developing an asset allocation strategy to meet Clients’ financial goals
and risk tolerance, providing information on investment vehicles and strategies, reviewing employee stock
options, as well as assisting you in establishing your own investment account at a selected broker/dealer or
custodian. The strategies and types of investments we may recommend are further discussed in Item 8 of this
brochure.
● Retirement Planning: Our retirement planning services typically include projections of your likelihood of
achieving your financial goals, typically focusing on financial independence as the primary objective. For
situations where projections show less than the desired results, we may make recommendations, including
those that may impact the original projections by adjusting certain variables (e.g., working longer, saving
more, spending less, taking more risk with investments).
If you are near retirement or already retired, advice may be given on appropriate distribution strategies to
minimize the likelihood of running out of money or having to adversely alter spending during your retirement
years.
● Risk Management: A risk management review includes an analysis of your exposure to major risks that could
have a significant adverse impact on your financial picture, such as premature death, disability, property and
casualty losses, or the need for long-term care planning. Advice may be provided on ways to minimize such
risks and about weighing the costs of purchasing insurance versus the benefits of doing so and, likewise, the
potential cost of not purchasing insurance (“self-insuring”).
● Tax Planning Strategies: Advice may include ways to minimize current and future income taxes as a part of
your overall financial planning picture. For example, we may make recommendations on which type of
account(s) or specific investments should be owned based in part on their “tax efficiency,” with the
consideration that there is always a possibility of future changes to federal, state or local tax laws and rates
that may impact your situation.
We recommend that you consult with a qualified tax professional before initiating any tax planning strategy,
and we may provide you with contact information for accountants or attorneys who specialize in this area if
you wish to hire someone for such purposes. We will participate in meetings or phone calls between you and
your tax professional with your approval.
Client Tailored Services and Client Imposed Restrictions
We offer the same suite of services to all of our Clients. However, specific Client financial plans and their
implementation are dependent upon the Client Investment Policy Statement which outlines each Client’s current
situation (income, tax levels, and risk tolerance levels) and is used to construct a Client specific plan to aid in the
selection of a portfolio that matches restrictions, needs, and targets.
Wrap Fee Programs
We do not participate in wrap fee programs.