Christopher Sternau
Altere Financial · The Woodlands, Texas
Christopher Sternau is a fee-only financial advisor at Altere Financial in The Woodlands, Texas, who holds the CFP credential. Christopher charges a percentage of assets, hourly fees and a one-time planning fee (one-time plans from $2,700 and $300 an hour) and focuses on tax planning, estate & legacy planning and retirement planning.
Request an introduction to Christopher →
Specialties
Facts
| Firm | Altere Financial |
|---|---|
| Based in | The Woodlands, Texas |
| Fee model | Percentage of assets · Hourly · One-time planning fee |
| Fees (firm's website) | One-time plans from $2,700 · $300 an hour |
| Assets under management | $55.2M across 66 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in TX · CRD 8189464 |
| Firm size | 3 employees |
| Disclosures | None reported |
| Website | alterefinancial.com |
How Christopher's firm compares
- A one-time plan starts at $2,700, above the Texas median of $1,575 for fee-only firms that publish prices.
- The hourly rate is $300, above the Texas median of $250 for fee-only firms that publish prices.
- Altere Financial's average account is about $836,000, from its Form ADV (assets managed divided by 66 accounts).
Request an introduction to Christopher
Tell Christopher a little about what you're looking for. Christopher isn't on Wellspent yet, so we'll let them know you're looking for help and pass your message on when they join. No cost, no obligation.
Questions about Christopher
Is Christopher Sternau a fee-only financial advisor?
Yes, according to SEC records as of October 29, 2026: Christopher holds no broker registration, and Altere Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.
How does Christopher charge for financial advice?
Christopher charges a percentage of assets, hourly fees and a one-time planning fee.
How much does Christopher charge?
According to Altere Financial's website, checked October 30, 2026: one-time plans from $2,700; $300 an hour.
Where is Christopher Sternau based?
Christopher Sternau is based in The Woodlands, Texas.
What does Christopher specialize in?
Christopher's specialties include tax planning, estate & legacy planning and retirement planning.
What credentials does Christopher Sternau hold?
Christopher Sternau holds the CFP credential.
Is Christopher Sternau registered with the SEC?
Yes. Christopher Sternau is registered as an investment adviser representative in TX (CRD 8189464), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.
How much does Altere Financial manage?
Altere Financial reports $55.2M across 66 accounts in assets under management.
How do I contact Christopher Sternau?
Through Christopher's website, alterefinancial.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in The Woodlands
Other advisors in Texas who focus on tax planning
Where this information comes from
- SEC adviser records : the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- Altere Financial website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
See something wrong? Request a correction. Read our methodology.