RICHARD A. STEBBINS CPA CFP CMFC

The name itself is a service map. Richard A. Stebbins holds Certified Public Accountant (CPA), Certified Financial Planner (CFP), and Chartered Mutual Fund Counselor (CMFC) designations. This means one individual can prepare the tax return, build the comprehensive financial plan, and construct the mutual fund allocation for a client family. Most advisory practices separate these functions, but Stebbins' model bundles tax preparation, planning, and investment management into a single fiduciary point of contact.

The presence of the CPA designation and the absence of public ADV filings or a dedicated advisory website suggest the practice likely operates as a tax-and-planning firm with investment overlay services, or as a small RIA below public reporting thresholds. The CMFC designation specifically covers packaged investment products like mutual funds, so investment advice is clearly within the offering, but the delivery mechanism may be through a broker-dealer or RIA platform that does not require separate public registration.

There is no public evidence of private investment activity. The CMFC designation is specific to mutual funds and publicly traded packaged products, and the practice does not appear to file ADV forms disclosing private fund interests. The investment posture is consistent with liquid public-market portfolios, tax-managed separately managed accounts, and traditional retirement structures rather than alternative assets.

In function, it closely resembles one. The CPA-CFP combination allows Stebbins to serve as a personal CFO — handling tax filings, estate coordination, cash-flow modeling, and portfolio construction for a concentrated client base. The structural difference is that a formal single-family office typically employs a dedicated staff and may have a distinct legal entity; here the entire office is concentrated in one credentialed individual. This creates fewer administrative layers and lower overhead at the cost of capacity.

The client profile commonly includes retiring business owners, professionals with complex tax situations, and high-net-worth families seeking to consolidate financial decisions under one advisor. The CPA credential attracts those for whom tax treatment is the dominant portfolio consideration, while the CFP and CMFC appeal to families needing ongoing investment and retirement income planning. The absence of marketing infrastructure reinforces that clients likely arrive through professional referral networks — estate attorneys, divorce mediators, and business brokers.