# Gary Steer

> Gary Steer is a fee-only financial advisor at OxenFree Financial in Melbourne, Florida, who holds the CFP credential. Gary charges a percentage of assets and focuses on retirement planning.

Page: https://find.wellspent.co/advisors/gary-steer/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** OxenFree Financial
- **Based in:** Melbourne, Florida
- **Fee model:** Percentage of assets
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $249.8M across 1,983 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 2562255 (https://adviserinfo.sec.gov/individual/summary/2562255)
- **SEC registration:** Investment adviser representative in FL
- **Exams passed:** Series 63 (2001)
- **Firm size:** 8 employees
- **Disclosures:** None reported
- **Website:** https://www.oxenfreefinancial.com

## Frequently asked questions

### Is Gary Steer a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Gary holds no broker registration, and OxenFree Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Gary charge for financial advice?

Gary charges a percentage of assets.

### Where is Gary Steer based?

Gary Steer is based in Melbourne, Florida.

### What does Gary specialize in?

Gary's specialties include retirement planning. Gary works with retirees and pre-retirees.

### What credentials does Gary Steer hold?

Gary Steer holds the CFP credential.

### Is Gary Steer registered with the SEC?

Yes. Gary Steer is registered as an investment adviser representative in FL (CRD 2562255), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does OxenFree Financial manage?

OxenFree Financial reports $249.8M across 1,983 accounts in assets under management.

### How do I contact Gary Steer?

Through Gary's website, www.oxenfreefinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/2562255): 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
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://oxenfreefinancial.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.