# Steve Garrett and Associates

Steve Garrett and Associates is an Asset Manager based in United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** United States
- **Region:** North America
- **Assets under management:** Undisclosed

## Regulatory record

- **CRD number:** 126791
- **SEC file number:** 801-112386
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/126791

## About

Steve Garrett and Associates, Inc. is an SEC-registered investment adviser in Glendora, CA. The firm manages approximately $44 million in regulatory assets. It is based in Glendora, CA.

## People

- Steve Garrett — President

## Questions

### Is Steve Garrett and Associates a broker-dealer or a fiduciary?

As a registered investment advisor organized as a corporation, the firm operates under a fiduciary standard. This legally requires the firm to act in its clients' best interests, avoiding conflicts of interest and disclosing any that arise. This stands in contrast to broker-dealers, who are held to a lower suitability standard. The fiduciary obligation is a foundational element of the firm's value proposition to clients.

### Does the firm use mutual funds or create separate accounts?

The firm is known for constructing portfolios of individual stocks and bonds directly for clients, rather than using pooled investment vehicles like mutual funds or ETFs. This separate-account approach allows for direct ownership of securities, which gives clients full transparency into holdings, the ability to harvest tax losses at the individual-security level, and a strategy that is not subject to redemptions by other investors.

### Why is the firm structured as a corporation?

The corporate structure often provides continuity beyond a single owner, supporting succession planning and a more formalized governance framework. For clients, this signals that the advisory practice is built to endure beyond its founder. It also provides a clear legal separation between the firm's liabilities and the personal assets of its owner, a detail that sophisticated families scrutinize when choosing a long-term wealth manager.

## Related profiles

- [Responsive Financial Group](https://altss.com/profile/responsive-financial-group-inc)
- [Champion Financial Planning Group](https://altss.com/profile/champion-financial-planning-group-llc)

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Last updated: 2026-06-03T20:00:00.000Z

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