# John Belluardo > John Belluardo is a fee-only financial advisor at Stewardship Financial Services, Inc. in Irvington, New York, who holds the ChFC and MS credentials. John charges a flat fee or retainer, hourly fees, an ongoing planning fee and a one-time planning fee (ongoing planning from $2,000 a year and one-time plans from $800) and focuses on flat-fee planning and retirement planning. Page: https://find.wellspent.co/advisors/john-belluardo/ Built from public directory listings; last checked April 21, 2026. ## Facts - **Firm:** Stewardship Financial Services, Inc. - **Based in:** Irvington, New York - **Fee model:** Flat fee or retainer; Hourly; Ongoing planning fee; One-time planning fee - **Fees (firm's website):** ongoing planning from $2,000 a year; one-time plans from $800; $290 an hour; no asset minimum - **Assets under management (firm):** $65.5M across 102 accounts - **Credentials:** ChFC, MS - **Specialties:** Flat-fee planning, Retirement planning - **CRD:** 1920731 (https://adviserinfo.sec.gov/individual/summary/1920731) - **SEC registration:** Investment adviser representative in NY, TX - **Firm size:** 1 employee - **Disclosures:** None reported - **Website:** http://stewardship-fp.com ## Frequently asked questions ### Is John Belluardo a fee-only financial advisor? Yes. John Belluardo is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by John's firm. ### How does John charge for financial advice? John charges a flat fee or retainer, hourly fees, an ongoing planning fee and a one-time planning fee. ### How much does John charge? According to Stewardship Financial Services, Inc.'s website, checked October 28, 2026: ongoing planning from $2,000 a year; one-time plans from $800; $290 an hour; no asset minimum. ### Where is John Belluardo based? John Belluardo is based in Irvington, New York. ### What does John specialize in? John's specialties include flat-fee planning and retirement planning. ### What credentials does John Belluardo hold? John Belluardo holds the ChFC and MS credentials. ### Is John Belluardo registered with the SEC? Yes. John Belluardo is registered as an investment adviser representative in NY and TX (CRD 1920731), per SEC Investment Adviser Public Disclosure data as of October 27, 2026. ### How much does Stewardship Financial Services, Inc. manage? Stewardship Financial Services, Inc. reports $65.5M across 102 accounts in assets under management. ### How do I contact John Belluardo? Through John's website, stewardship-fp.com. ## Sources - NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/6098): NAPFA admits only fee-only advisors - SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026 - The firm's website (https://stewardship-fp.com/): specialties, clients served, and fees, checked October 28, 2026 --- Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.