# Kyle Sabdo

> Kyle Sabdo is a fee-only financial advisor at Stillwater Capital Management in Carmel-By-The-Sea, California, who holds the CFP credential. Kyle focuses on retirement planning and family wealth transfer. Stillwater Capital Management reports charging a percentage of assets on its Form ADV.

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

## Facts

- **Firm:** Stillwater Capital Management
- **Based in:** Carmel-By-The-Sea, California
- **Fee model (firm's Form ADV):** Percentage of assets
- **Assets under management (firm):** $102.5M across 126 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Family wealth transfer
- **Works with:** Multi-generational families
- **CRD:** 6371247 (https://adviserinfo.sec.gov/individual/summary/6371247)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 66 (2015)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** https://www.stillwatercapitalmgmt.com/

## Frequently asked questions

### Is Kyle Sabdo a fee-only financial advisor?

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

### How does Kyle charge for financial advice?

Kyle's firm, Stillwater Capital Management, reports charging a percentage of assets on its SEC Form ADV.

### Where is Kyle Sabdo based?

Kyle Sabdo is based in Carmel-By-The-Sea, California.

### What does Kyle specialize in?

Kyle's specialties include retirement planning and family wealth transfer. Kyle works with multi-generational families.

### What credentials does Kyle Sabdo hold?

Kyle Sabdo holds the CFP credential.

### Is Kyle Sabdo registered with the SEC?

Yes. Kyle Sabdo is registered as an investment adviser representative in CA (CRD 6371247), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Stillwater Capital Management manage?

Stillwater Capital Management reports $102.5M across 126 accounts in assets under management.

### How do I contact Kyle Sabdo?

Through Kyle's website, www.stillwatercapitalmgmt.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6371247): 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.stillwatercapitalmgmt.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.