Stone Steps Financial LLC in Encinitas holds NAPFA membership and has operated as a fee-only registered investment adviser from 2nd Street in the Old Encinitas corridor since 2015. The firm's CFA- and CFP-credentialed team manages approximately $105 million across 402 discretionary accounts, with property-transaction advisory for home-buying clients coordinated through the local market expertise at Stonesteps Realty. The advisory practice co-hosts the Real Personal Finance podcast and has contributed personal-finance analysis to the Los Angeles Times, CNBC, the Washington Post, and USA Today. Estate-planning and trust-funding strategies integrate with the business and probate filings prepared by Allard Smith APLC. Financial life-planning engagements apply Registered Life Planner methodology, building cash-flow projections that model Social Security claiming strategies, Roth conversion ladders, and required minimum distribution schedules.