RICHARD A. STEBBINS CPA CFP CMFC

RICHARD A. STEBBINS CPA CFP CMFC

The practice is built around Richard A. Stebbins himself, reflecting an individual-led fiduciary model rather than an institutional platform. The three designations the firm elevates in its very name — Certified Public Accountant (CPA), Certified Financial Planner (CFP), and Chartered Mutual Fund Counselor (CMFC) — describe a sequential control system: the CPA governs tax treatment and entity structure, the CFP overlays comprehensive goals-based planning, and the CMFC focuses specifically on mutual fund and packaged-product portfolio construction. This combining of disciplines under one roof mirrors the architecture of many unregistered single-family offices that operate without a distinct brand identity, functioning instead as a private extension of the family's legal and accounting infrastructure. Investment execution likely follows two parallel tracks. On the planning side, Stebbins can directly structure tax-aware portfolios using mutual funds and exchange-traded vehicles through the CMFC and CFP framework, making this a self-contained asset-management function. The CPA license permits him to maintain the tax ledger on the same capital he advises on, eliminating the handoff friction that frequently plagues larger multi-office families. Given the absence of regulatory ADV filings identifying significant private fund or direct-deal activities, the practice likely concentrates its deployment in publicly traded securities, managed accounts, and traditional retirement planning structures rather than venture or private equity. No public record of institutional AUM, office locations, or team size exists, which aligns with a practice operating below the SEC registration threshold as a solo or small-partnership RIA, or potentially as a purely accounting-adjacent service. The lack of a discrete website or LinkedIn presence suggests a client-acquisition model rooted in professional-referral networks — other CPAs, estate attorneys, and exiting business owners — rather than inbound marketing. The structural differentiator is the credential consolidation itself. Most wealth-management practices separate the CPA from the CFP from the investment advisor, creating multiple service handoffs and data silos. Stebbins holds all three personally, meaning one individual sees the tax return, the financial plan, and the investment statement for each family — a genuinely integrated, high-trust architecture that functions as a family office in fact if not in name. This model trades scalability for depth of relationship and operational coherence.