# Joshua Cutler

> Joshua Cutler is a fee-only financial advisor at Bluestem Financial Advisors in Savoy, Illinois, who holds the CFP credential. Joshua charges an ongoing planning fee and focuses on student loans, retirement planning and tax planning.

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

## Facts

- **Firm:** Bluestem Financial Advisors
- **Based in:** Savoy, Illinois
- **Fee model:** Ongoing planning fee
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $358.2M across 1,010 accounts
- **Credentials:** CFP
- **Specialties:** Student loans, Retirement planning, Tax planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 5815169 (https://adviserinfo.sec.gov/individual/summary/5815169)
- **SEC registration:** Investment adviser representative in IL, TX
- **Exams passed:** Series 66 (2011)
- **Firm size:** 10 employees
- **Disclosures:** None reported
- **Website:** http://www.jacobkuebler.com

## Frequently asked questions

### Is Joshua Cutler a fee-only financial advisor?

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

### How does Joshua charge for financial advice?

Joshua charges an ongoing planning fee.

### Where is Joshua Cutler based?

Joshua Cutler is based in Savoy, Illinois.

### What does Joshua specialize in?

Joshua's specialties include student loans, retirement planning and tax planning. Joshua works with retirees and pre-retirees.

### What credentials does Joshua Cutler hold?

Joshua Cutler holds the CFP credential.

### Is Joshua Cutler registered with the SEC?

Yes. Joshua Cutler is registered as an investment adviser representative in IL and TX (CRD 5815169), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Bluestem Financial Advisors manage?

Bluestem Financial Advisors reports $358.2M across 1,010 accounts in assets under management.

### How do I contact Joshua Cutler?

Through Joshua's website, www.jacobkuebler.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5815169): 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.bluestemfa.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.