We are a fee-only, fiduciary wealth management firm. This means that we are only compensated for the advice and investment management we provide, based upon your assets under management. We never accept commissions. We believe this fee structure aligns best with our clients’ interests.

Your assets will be held at Charles Schwab, one of the industry’s most prestigious custodians.

We take cybercrime very seriously. Our custodian, Charles Schwab has extensive safeguards in place to protect your assets and your confidential information. In addition to Stembrook’s systems and internal procedures, which are designed to minimize the risk, we place an emphasis on educating our clients about how to avoid risky cybersecurity behaviors. On an ongoing basis, we provide clients with advice on how to minimize their cybercrime risks both in their investments and their lives.

Yes. We work with individuals, families, and business owners with $2 million or more of investable assets.

We will meet in a variety of ways according to your preferences: in person, phone, virtually.

The Chartered Financial Analyst (CFA) charter is a globally respected, graduate-level investment
credential established in 1962 and awarded by CFA Institute — the largest global association of
investment professionals.
 
To earn the CFA charter, candidates must:

1) pass three sequential, six-hour examinations;

2) have at least four years of qualified professional investment experience;

3) join CFA Institute as members; and

4) commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of
Professional Conduct.
 
High Ethical Standards The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced
through an active professional conduct program, require CFA charterholders to:
• Place their clients’ interests ahead of their own
• Maintain independence and objectivity
• Act with integrity
• Maintain and improve their professional competence
• Disclose conflicts of interest and legal matters
 
Global Recognition
Passing the three CFA exams is a difficult feat that requires extensive study (successful candidates report
spending an average of 300 hours of study per level). Earning the CFA charter demonstrates mastery of
many of the advanced skills needed for investment analysis and decision making in today’s quickly
evolving global financial industry. As a result, employers and clients are increasingly seeking CFA
charterholders—often making the charter a prerequisite for employment.
 
Additionally, regulatory bodies in over 30 countries and territories recognize the CFA charter as a proxy
for meeting certain licensing requirements, and more than 125 colleges and universities around the
world have incorporated a majority of the CFA Program curriculum into their own finance courses.
 
Comprehensive and Current Knowledge
The CFA Program curriculum provides a comprehensive framework of knowledge for investment
decision making and is firmly grounded in the knowledge and skills used every day in the investment
profession. The three levels of the CFA Program test a proficiency with a wide range of fundamental and
advanced investment topics, including ethical and professional standards, fixed-income and equity
analysis, alternative and derivative investments, economics, financial reporting standards, portfolio
management, and wealth planning.
 
The CFA Program curriculum is updated every year by experts from around the world to ensure that
candidates learn the most relevant and practical new tools, ideas, and investment and wealth
management skills to reflect the dynamic and complex nature of the profession. To learn more about
the CFA charter, visit www.cfainstitute.org.