National Retirement Planning Experts

National Coverage
Local Professionals


Gerald Steffes, CPA/PFS, CFP®, AIF®

Steffes Financial, Ltd.

8655 College Boulevard

Overland Park, KS 66210
(913) 7221111

About Steffes Financial, Ltd.

Steffes Financial, Ltd. is a boutique wealth management firm specializing in investment advisory, retirement planning, IRA rollovers, estate planning, and 401(k) Plans.

We are an independent, privately owned firm. We are not controlled by a large insurance company, wire-house, brokerage firm or multi-state financial firm. Our investment recommendations are not dictated by back-office employees of a large organization who never meet with nor truly understands the needs of their firm's clients.

As a fee-based firm, our focus is keeping our fees low, providing our clients with custom designed portfolios of high quality, low cost, no-load mutual funds and exchange traded funds through our preferred Custodians TD Ameritrade Institutional and/or Charles Schwab Institutional.

We hate annuities. If you already have a high cost (hidden commission) annuity, we will provide you with information on the available low cost, no commission, no surrender, fee-based annuity alternatives. As most investors know, high fees have a significantly negative impact on long-term net returns.

Our core long-term investment philosophy is to buy and hold quality investments through the majority of the business cycle using our FIN-DEFCON System. Portfolios are automatically adjusted as we detect economic trends that have preceded past recessions and recoveries. To get a feel for our FIN-DEFCON System, see our latest video webcast on the Steffes Financial website, Economic Update tab.

General Information

Firm Start Year


No.of Employees




Firm CRD#


Name of Broker/Dealer

Cambridge Investment Research, Inc.

Name of Custodial Firm

TD Ameritrade, Charles Schwab

Years of Experience in Financial Services


Number of Years with Current Firm


I work with the following types of clients

Individual Investors, Businesses


Investment Types

Exchange Traded Funds (ETFs), Stocks, Bonds, Mutual Funds

I can meet clients in the following ways

Video Conference, At my office, Via phone


Registered Investment Advisor


Registered Representative


Investment Advisor Representative


I am an acknowledged fiduciary


Compliance Disclosures in Last 5 years

I have a clean record

Criminal Disclosures in Last 5 years

I have a clean record

Qualifications & Membership

Certifications, Accreditations & Designations


Securities Licenses

Series 63, Series 7, Series 65

Financial Organization Memberships

Fi360 Global Fiduciary Insights Kansas Society of CPAs, American Institute of Certified Public Accountants (AICPA)

Firm Information

Firm's Number of Clients


Assets Managed by Firm


Advisor's Number of Managed Clients


Compensation and Fees

Fee Structure


Minimum Portfolio Size for New Managed Accounts


Compensation Methods

Based on Assets

Additional Details on Charges

1.00% on the first $1,000,000
0.60% on the next $1,000,000
0.50% on the next $1,000,000
0.40% on all additional

Minimum Fee Charged for Managed Accounts



Bachelor's Degree - Accounting

Kansas State University
- 1984


Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services offered through Steffes Financial, Ltd., a Registered Investment Advisor. Cambridge Investment Research, Inc. and Steffes Financial, Ltd., are not affiliated entities.