# Janet Larsen

> Janet Larsen is a fee-only financial advisor at Step Financial in Seal Beach, California, who holds the CFP credential. Janet focuses on retirement planning and small business owners. Step Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Step Financial
- **Based in:** Seal Beach, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $5M across 15 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Small business owners
- **Works with:** Pre-retirees, Founders
- **CRD:** 4579662 (https://adviserinfo.sec.gov/individual/summary/4579662)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 66 (2003)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.stepfinancial.com

## Frequently asked questions

### Is Janet Larsen a fee-only financial advisor?

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

### How does Janet charge for financial advice?

Janet's firm, Step Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Janet Larsen based?

Janet Larsen is based in Seal Beach, California.

### What does Janet specialize in?

Janet's specialties include retirement planning and small business owners. Janet works with pre-retirees and founders.

### What credentials does Janet Larsen hold?

Janet Larsen holds the CFP credential.

### Is Janet Larsen registered with the SEC?

Yes. Janet Larsen is registered as an investment adviser representative in CA (CRD 4579662), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Step Financial manage?

Step Financial reports $5M across 15 accounts in assets under management.

### How do I contact Janet Larsen?

Through Janet's website, www.stepfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4579662): 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://www.stepfinancial.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.